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Very interesting. How are you dealing with KYC regulations? Do you provide that, or is it the responsibility of developers calling your API to have already done KYC.

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We let developers bring their own KYC providers. There are so many great solutions out there I don't think the world needs another one :)

In general our approach is to focus on building things that 'only a bank can do' and if there are great existing solutions (ie: fraud, kyc, issuing processors) we let developers bring those solutions. We play nicely with all of them.

I had a quick look through your docs, and it would be really great if Column allowed Entities to use identifiers other than SSN:

https://column.com/docs/api/#entity/object

Would be nice to have a side-by-side comparison with the steps to starting and operating a bank to get a full picture of what Column abstracts away and what founders must still DIY. Currently you have to dig deep into the use case docs to determine some of these details.

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