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Behind that streamlined interface can be a mosaic of different partner integrations — be it with banks;; payments players and networks;; or software vendors — with a channel of data running between them. Two people who know that better than the average are Kyle Maloney and Travis Gibson;; two former employees of Marqeta;; a fintech that provides other fintechs with payments processing and card issuance. \"Take an established neobank for example. They'll likely have one or two card issuers;; two to three bank partners;; ACH processing for direct deposits and payouts;; mobile check deposits;; peer-to-peer payments;; and lending;;\" Gibson told Insider. At Marqeta;; a growing portion of Gibson and Maloney's time was spent stitching together these back-end providers. \"We were constantly tweaking and refining our underlying financial-data infrastructure;;\" Maloney said. When they couldn't find a product in the market to manage under-the-hood financial-data operations;; they decided to build it instead. A few months later;; Proper Finance was born. The startup helps other fintechs keep track of transaction data moved between third-party and in-house systems with its platform that acts as ledger. The system tracks money movement to external parties to confirm funds have been processed and matches transaction data across different sources to make sure it is consistent across disparate systems. The startup raised a $4.3 million seed round on June 8 led by Redpoint Ventures with participation Y Combinator;; BoxGroup;; and Mischief;; among others. Since officially launching in 2021;; Maloney;; Proper's CEO;; and Gibson;; its CTO;; have found that back-end data integrations are a ubiquitous thorn in many fintechs' sides. \"For any company that moves money;; financial accuracy and regulatory compliance are a must. 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