The challenge is storing money, legally, on behalf of a customer.  No normal startup can afford to get licensed.<p>So you need to legitimately work around the &#x27;stored value&#x27; problem, i.e. you need to find a 3rd party with a legal solution.  That&#x27;s either a real bank account or a prepaid card.  And the 3rd party has to have an API that allows you to open accounts, execute transactions, etc.<p>The card program requires a bank partner too.  And card programs cost 10K+ a month to run, regardless of whether or not you have 1 card issued or 250,000.  Lots of cash burn early.<p>So that&#x27;s the target state. Johnie outlined some nice interim steps below, but this is not simple.  Oscar took on a challenging business problem.