We’re in a new era of banking...and it demands a new, full stack, approach to wholesale and commercial banking. A software first approach, not a people first approach. Why? Because we've learned a lot about banks and we've walked away shocked at the state of their technology, their culture, their "innovations", their complacency...and the potential to do better. We're building a bank that focuses on slightly different things than other banks. Focused on building a great product, a great platform, and a great experience. Banks legacy limitations make it hard to run a technology business with a financial component. It limits the potential of products. It makes the world a worse place. We're putting APIs, developer tools, automated fraud detection, and data at the center of our product offerings and security, distributed systems, data analysis, and scalability at the center of our architecture. We are building the bank technology that should exist and the products we ourselves wanted. First, API banking. Then wholesale banking. Then commercial banking. We are a startup who will have a bank charter. We're both persistent and clever - we know that banking isn't as complex as it's made out to be. We don't lack for ambition or problems to solve. If that sounds interesting to you, email us at ycombinator.bank@gmail.com