How do interchange rates between Fintech & BaaS platforms break down, and what changes occur as the tech scales?

Guest: When the FinTech scales, they better negotiate because BaaSes typically just take advantage of you because you're rushing to market. For example, Treasury Prime is just terrible. We looked at it, we thought it was such a poor baseline to negotiate from. For some context, every line on the term sheet you get from Treasury Prime must be negotiated. Everything should be slashed by like 25% minimum in terms of their fee costs, in my opinion. That's actually how bad and how highly overpriced these things are.