Thanks! Banks/bank sponsors don't specialize in credit, which gives us an edge because it's our core competency. Credit programs are complex, require compliance with a lot of regulations, and can vary greatly from program to program, so we can support a larger surface area of use cases and program configurations.

We currently use sameday, nextday and standard-ACH for fund flows. We're keeping a close eye on new payments rails like FedNow to speed up loan funding for borrowers and are looking to add more funding/payment methods soon!