I'm not trying to troll but the reaction to "It's my f*cking data!" should be to seriously look into projects like Urbit. Where you do in fact own and control your own data.

Very similar to Mike Green talking about how the transition form active investing to passive has led to increased volatility in the market, among other things. (https://podcasts.apple.com/us/podcast/the-end-game-ep-3-mike...)

Interesting you use Plaid as your only onboarding ramp. I am personally on Morgan Stanley and am completely locked out of Plaid and have to do manual entry. Have you thought about other "easy" money transfers such as Venmo, Cash App, etc

Yeah we have thought about other ways to transfer and are constantly looking into them. We want it to be as frictionless as possible.

We are considering rolling out the ability to fund accounts with debit cards in the near future, but the transaction fees are quite high. That's the drawback.

We would love to find a way to hook into Venmo or Cash App, but we've yet to find a feasible way to make it work seamlessly. If anyone has ideas on how we could do that, e-mail me at adam@withyotta.com as I would love to chat on this topic.

Venmo or cc cards would be great but I guess the fees could be tough

You got there before me, well said

I've always wondered how to think about this dichotomy - there are other examples besides Ford, Apple sometimes, etc. The way I've thought about it is the classic "ask what your customers want" relies on you to bring customer context and understanding to make another jump to what the underlying problem is. "faster horse" -> "get from point A to point B faster"