Maybe for a SaaS product I could see some cleanup. But this doesn't sound like a responsible strategy in the fintech space. In any event, if you had 20 engineers already, surely they could simply fix their stuff or you could replace them with better staff who could. How much code does it take to implement a matching algorithm with some asset silos, an app, and a web interface or two? Not 20 engineers worth. This smells like VC tap-money gone riot.

You'd be amazed. The first startup I worked at could barely maintain a CRUD web application with 15 experienced devs.