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  "documentTitle": "Check out the pitch deck platform bank Griffin just used to raise $8.6 million",
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  "authorName": "Griffin",
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  "notes": "The slide uses a visual stack diagram to illustrate the layers of infrastructure (Pooled Account, Ledger, Compliance, App Logic) that a startup must manage.",
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      "text": "Most clearing banks will only provide a pooled account, meaning you need to build or buy a ledger/core banking system and keep it reconciled with the pooled account. You're required to build your own compliance infrastructure and then undergo a lengthy (3-6 month) audit of these systems at your expense. We understand that some banks may also think fintech startups are less likely to succeed, so their charging structures reflect this. This is expensive, time consuming, and your customers don't care the things that differentiate you are your product and brand, not what happens behind the scenes. Did I mention that there's a 50% chance the \"API\" is just a file uploaded to an FTP server?",
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      "kind": "title",
      "text": "LOTS OF INFRASTRUCTURE COMPLEXITY",
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