Plaid and their lawyers should have hashed it out with Stripe then in RFP. I work for a big bank. If we send out RFP's for a project there's language in there that most providers never look at. It basically says "I can do whatever I want with information in the RFP except give it to your company's competitors."

So if I am working for a top 10 bank, and I see value in a solution, if I cannot get it cheaper than it would cost me to develop it and time is not that big of a factor, I build it myself. If there are no time constraints and vendor can deliver solution at roughly the same cost I can build it for, I built it myself.

My guess as not being part of the stripe/plaid conversations or RFP. Zach's lawyers did not redline or challenge language around processes or IP with Stripe in RFP Agreements and that was likely the biggest downfall.

Plaid does have great litigation attorney's, I mean their class action settlement was only $58 million. So likely, Plaid might get something if there is IP that was protected. It will come out in discovery if a lawsuit gets legs.