Next tier: bank software - Expertise in java micro services design pattern (back-end) and JavaScript frameworks (front-end). Ceomobile app, wells Fargo including check deposit - 12 tiers into us treasury - federal home loan bank - international jumbo loans - servicer and owner ($100 billion) - tax software - Competing with mint, credit karma, square, cashapp, Robin hood, however closer to building end-to-end vertical solutions - Relationship with united States digital services that love our #entrepreneurship and banking experience.