ExpertWe wired the same embedded-account program into ten BaaS platforms and one question decided every build: who holds the banking license. What surprised our team was how far apart the answers sit - some are their own bank, some rent one, some only issue cards. The API is the easy part.
We loaded a 1,200-contact book into nine financial services CRMs and ran a five-stage fintech pipeline, an RIA household structure, and a 600-contact outbound sequence through each. What surprised our team was how completely those three motions split: no single platform covered more than two without compromise.
We pushed the same multi-currency exposure scenario through nine financial risk platforms - a failed audit sample, a hedged FX position, a third-party vendor with a missing SOC 2, and a board-ready impact number - and what surprised our team most was how rarely a single tool covers more than two of those jobs well.