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Wise also recently switched their US bank provider from Evolve to Community Federal Savings Bank. Maybe they had similar issues?

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I see no reason why CFSB would be in any way different from Evolve, they are just not caught up in the mess yet.

Synapse problem was fundamental and it stems from the same mistake OP is making: never ever build your own, homegrown ledger if you can avoid it.

You can't avoid this. It is either your client or bank's client. And no bank will take the burden to account every $0.2 transaction for you, spending its own computing power. It just a quite expensive thing to do. That is why banks often separate the main ledger and retail ledger[s]. Each system tuned for a different performance profile.

One should not build their own cryptography, one should not build their own ledger, that's what I am saying.

I've seen a lot of ledgers. Crypto is much more complicated.

In the end of the day you provide a full stack or just do UI/marketing. This is a good old vertical integration dilemma.

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