Fintechs work with [client] money. Legally, only banks can hold money on behalf of others. This forces fintechs to partner with banks. Most banks that provide these services are bad - their technology is old, the unit economics are unfavorable, and they're so risk-intolerant that they frequently kick fintechs off their platform. We're going to build a special-purpose bank for providing infrastructure to fintechs, with a risk model just for them.