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It's a mix, We're building all of our own customer facing software and many things behind the scenes as well.

For instance we integrate with providers for KYC/AML requirements and do not build that in house but for Billpay we are using a combination of APIs that connect directly to billers' sites and building our own tools to discover how to send ACH's or mail paper check when necessary

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what about accounting and transactions, the core banking stuff?

We have built directly into the APIs of a core ledger provider than runs billions of dollars worth of banking cores. These were originally private APIs they were only using for their own apps and we're the first third party to ever access them.

That's been a really fascincating experience in and of itself actually

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