Open-source · CC0 1.0
The fintech info you need
Guides, financial models, and policy templates for fintech founders. Everything here is free, public-domain, and improving every week.
Guides
Start here
Guide
Go to market guide
A list of questions to answer in order to launch a fintech product within one year.
Guide
Guide to starting a challenger bank
A comprehensive guide covering processors, bank partners, card partners, and product features for challenger banks.
Guide
How to launch a card product
Tactical and strategic advice on bringing a card product to market.
Models
The math, in a spreadsheet
Open Google Sheets templates for fintech product economics. Interactive versions are coming to Tools.
- 01 / 03 Bank Account Economics Model
Build-your-own deposit account unit economics — model net interest income, debit interchange, monthly fees, and per-account servicing cost across checking and savings products.
- 02 / 03 Credit Card Economics Model
Build-your-own credit card unit economics — model revolve rate, APR, interchange, charge-offs, cost of funds, and rewards costs across credit and charge card products.
- 03 / 03 Term Loan Economics Model
Build-your-own fixed-term loan portfolio model — per-loan IRR, charge-offs, cost of funds, and net interest margin for installment lending.
Open source
Yours to use, fork, and improve.
All content is released under CC0 1.0 — no rights reserved. If something is missing, wrong, or just unclear, open a pull request or drop us a line.
Roadmap
What we're building
A living catalog of everything in scope. Some items are published. Others are planned, drafting, or linked to external authoritative sources.
Guides
Foundations
- How to select a bank partner
- MTL vs MSB vs National Trust bank charter vs National Charter
- How to launch a card product
- Credit card vs Charge Card vs Debit Card
Operations
- Financial crime prevention and compliance partner selection
- Card product operational preparation
- Managing cards/payments/compliance vendors and sponsor bank relationships
- Financial Crime compliance roles, responsibilities, and alerts
Models
Identity & Fraud
- Financial Crime risk assessment
- Origination Fraud
- KYC & Identity Fraud
- Transactional Fraud
- Synthetic Fraud
Financial Product
- Bank Accounts (debit & savings)
- Term Loans (installment, mortgage, student)
- Credit Cards (credit & charge)
- Debit cards
- Insurance
- Brokerage Accounts
Underwriting
- Credit Risk (Mortgage, Credit Card, Installment, Auto, Payday)
- ACH Risk
- Wire Risk
People
- Customer Operations
- Financial Crime Operations
- Product
- Engineering
Disclosures & Agreements
Credit Card
- Schumer Box
- Credit Cardholder Agreement — CFPB template
- Statement Disclosure
Bank Account
- Deposit Account Agreement
- Saving Account Agreement
- Automatic Savings Account Agreement
General
- Electronic Communications Agreement
- eSign Agreement
- Terms and Conditions
- Company Privacy Policy
Policies
Compliance & Risk
- Bank Secrecy Act / AML / OFAC Policy
- Fraud prevention policy
- Collections Policy
- Credit Bureau Reporting
- Third Party Vendor Management
- Information Security Program and Policies
- Business Continuity / Disaster Recovery
Procedures
Operations
- Customer Service Manual
- SAR Filing Process
- OFAC Procedure
- Financial Crime prevention manual