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How is this different than

Column

Stripe Treasury

Treasury Prime

Unit

Cross River Bank

Any BaaS I'm missing?

???

Synapse FI (https://synapsefi.com) -- They have been around for awhile.

They use MongoDB for their ledger. Was not fun for us.

but isn't MongoDB webscale?

Webscale != bank-tegrity, bank-regulation scale, maytee.

My alma mater Moov Financial [0]. They also have a bunch of neat OSS libraries on GitHub [1].