The means is at hand. They also can form films over surfaces and that's where the magic happens. One of the really important things about lipid membranes is that they are permeable to small molecules but not to large ones. Small organic molecules, including energy rich ones, constantly diffuse in through the film surface. The clay surface acts both a source and as a catalyst surface.
Complex molecules build up rapidly within the region enclosed by a film.
The clay surface is not the only catalyst within the film. The organic molecules themselves are catalysts. What we have here is the makings of Kaufman's autocatalytic set. I don't think it was the RNA world at least not as it is commonly pictured. What I suggest happened is that there were two critical events.