What is the relationship between Cross River Bank and Stripe, and how do they compete and collaborate in the market?

Stripe is a great partner of ours. I don't say a competitor because again, you have to think about the different players and how we operate. We are essentially the financial institution in the back, and regardless of what you do, whether you're Stripe or anybody else offering a platform, you still need a bank or at least the bank license. We feel we are out there to partner with whoever wants to partner with us.

In saying that, I'm not naive to the fact that not everybody's going to use everything we offer, and that's okay too. We're not all-in-one. If someone wants to do one product with us but not the others, we're okay with that. 

If someone issues with us, we're hoping that they're going to do payments with us and everything else, but they may already have those in place. That's fine. We're not mandating or dictating that every component or everything has to be done with us. We're willing to provide the one solution or multiple solutions that they may need.