How does Mercury's business model compare to SVB's model as a bank, and how does Mercury approach building a robust business model as a tech layer?

We currently have four revenue streams.

One is we take deposits and we'll sweep them to our bank. Because we do that and thankfully interest rates aren't zero now, those banks give us a piece of the revenue that basically is generated on those deposits. But we don't loan against them—the banks do what banks do, and they just give us a revenue share from that.

We also have both a debit card and a credit card, and we get interchange on that. 

We actually have a reasonable amount of international wires and forex, and we do charge a fee for that.

Lastly, we have a venture debt lending program, and we get some portion of the interest rate and the warrants that we have on that lending program.