How does Cross River compete with Marqeta, Lithic, and Cardless in the developer-centric fintech market?

We see all of those players as partners or potential partners.Cardless is more of a platform player, providing co-brands, and Marqeta is a processor, but they also provide additional services.

I want to partner with as many services as possible because I do think we could bring value that those players don't—all the banking services, all the things that they cannot do, that's what we're here for. That’s fundamentally our strategy. We're willing to work with whatever partners our clients want to bring to the table, or we could potentially refer them to various partners, whether that be processors or even brand associations, like Visa, MasterCard, Amex, Discover, whatever it might be. Our intention is to have a broad approach to this and to be a solution with our customers as to what's in their best interest.