I may be totally out of touch, but why would someone give someone else $100,000 for an app? And why wouldn&#x27;t $100k be enough? By the end they needed $700,000 &quot;bare minimum.&quot;<p>I just don&#x27;t get how this can cost so much.<p>Making something like this in one&#x27;s spare time while getting paid with a salaried &quot;real&quot; job seems like it would totally be sufficient to get moving.<p>But assuming it really takes $700k on hand to get these bank sponsors, why not just change the model slightly. For example, integrate with Square cash or something similar. Square is dead simple to use and the money arrives instantly, not sure if it&#x27;s integrate-able in this manner though, but the concept stands.<p>And then maybe when the company is really successful with tens of thousands of subscribers, partner with someone to add direct bank account integration.<p>Sorry if this sounds callous because I really don&#x27;t mean it to be, I&#x27;m just flabbergasted the amount of money involved for some app someone came up with randomly.