banking-apis
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The Bank You Use Without Knowing Its Name
Cross River sits behind some of fintech's most familiar names, turning bank accounts, loans, cards and real-time payments into software building blocks. Its wager is that the most valuable bank of the internet age may be the one customers rarely see.
Darragh Buckley
Darragh Buckley is the founder and CEO of Increase, an enterprise-grade banking API company that lets technology businesses programmatically store, move, and reconcile money by connecting directly into the Federal Reserve's payment rails. He was Stripe's first employee, joining the Collison brothers - fellow natives of Limerick, Ireland - in 2010 to build the banking and money-movement foundations of the company. After leaving Stripe in 2016, he founded Increase (YC Summer 2020), which now processes well over $100 billion a year with a famously tiny team. A contrarian who believes in the staying power of community banks, he has personally acquired stakes in small Washington-state banks, including a 10%-plus position in Twin City Bank that triggered Federal Reserve disclosure.