The paycheck is fixed. Life isn't. @getclair is rebuilding the gap between earning money and accessing it. Founded by Nico Simko, @kosteckia, and @ErichNussbaumer, the fintech lets workers access earned wages before payday through payroll and HR platforms they already use. By embedding directly into workforce infrastructure and partnering with Pathward, N.A. for banking services, The future of payroll isn't just processing wages, it's giving workers control over when they access them. #FinTech #EmbeddedFinance #PayrollTech #FinancialWellness #StartupFounders

You learn so much random stuff in fintech b/c its so regulated. But most people don't know Sioux Falls, SD is one of the most important cities in fintech. Why? In the 1980s, South Dakota repealed its usury law, so no caps on credit card interest rates. Then a Supreme Court decision let banks “export” a state’s interest rate rules to customers in other states. THEN South Dakota’s governor built a deregulation playbook specifically to attract Citibank. And lots of other FIs followed. So tiny little Sioux Falls was (still is) a major hub for the credit card industry, and SD is at least part of why access to credit cards massively expanded, and adoption went parabolic in the US in the 80s. Major financial players who have big operations there include: - Citibank, still - Wells Fargo has a big back office operation there - First PREMIER, who's one of Mastercard’s largest issuers in the US - niche but obscenely profitable banks you haven't herad of if you're not in the industry, like Pathward (formerly MetaBank). They're a major prepaid card issuer/ sponsor bank for fintech programs incl, iirc payroll and government disbursement cards. Anyway, regulation shapes the economy and local populations in all kinds of ways - incl enriching a small, mostly overlooked, city in the middle of the country.

Coinbase denied my $3,272 unauthorized card dispute. First: “we can’t find 2024 records.” Now: “ask the issuer / Marqeta.” So who’s accountable — Coinbase, Pathward, or Marqeta? Ticket #26541212 CFPB #260406-30978511 @coinbase @CoinbaseSupport @brian_armstrong

Boycott South Dakota until Thune resigns. Key industries include: •Healthcare: Dominated by Sanford and Avera, providing extensive medical services and employment. •Agriculture & Food Processing: Accounting for 13% of GDP, with major employers like POET (renewable energy/fuel), Smithfield Foods (pork), and Tyson Fresh Meats (beef/pork). •Manufacturing: A strong sector featuring Daktronics (electronic displays), Raven Industries(ag-tech), and 3M (respirators/healthcare products). •Finance & Utilities: Major players include Pathward Financial, NorthWestern Energy, and Black Hills Energy.

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$POCK Community & BROK Builders Here’s our 2026–2027 Roadmap Overview (just dropped): We are now in Phase 0: Build in Public (Now – July 23). Concrete work is happening daily. The public launch of BROK is locked for July 24, 2026. As we finalize the last development priorities ahead of rollout, I’ll keep you updated in real time. Our next $POCK Talk is this Saturday at 8:00 AM PT — specifically scheduled for our European and global community. These sessions will focus on engineering, architecture, and exactly how we’re executing. This is not a typical meme coin. We are defining the neobank and sovereign agentic banking movement. We move differently — with speed, conviction, and a refusal to follow outdated playbooks. That’s how real breakthroughs happen. Our technology and vision already reflect substantial value creation. Evaluated as the startup it is, we would be positioned well north of current levels. We deliberately chose a public launch so regular people worldwide can participate — not just institutions or accredited investors. This is DeFi done right: open, accessible, and built for the many. We are actively exploring high-impact partnerships with organizations such as the Solana Foundation, Kraken, Coinbase, Exodus, SoFi, Pathward Bank, and others. America leads the world economy because of its risk-taking, builder culture. Our best plans often start on a napkin. We don’t wait for permission — we build. The non-negotiable foundation of BROK (the hard spine everything else is built on): 1. Fully agentic and x402-native on Solana — zero human intervention for core transactions and settlements 2. The first production 100 FTEP unit designed to power Zero Person Enterprises 3. $POCK as the real fuel and collateral layer (including the ability to borrow against it without selling) 4. Neoscore IEM as the explainable intelligence and trust layer 5. Built on the live MBC-20 rails 6. Clear path to Interstellar Bank and a true agent-native economy This is the foundation. Everything else is being constructed on top of it. What’s coming next In the coming weeks we will open early testing to active community members. This won’t be a polished demo — it will be real, early-stage product in the hands of people who actually care about shaping it. Some of you have already influenced the design with your feedback. That impact is real and appreciated. How to get involved Current testing phases: • Personal testing (already underway) • Small group testing • Wider community testing (this is where most of you will join) I’ll share exact details in the next few days on how to get into the early rounds. In the meantime, tell me specifically what you want BROK to do for you — spending controls, proactive decision-making, multi-agent support, real-time insights, or anything else. The more precise your feedback, the more directly it shapes the product. We’re not building to impress on a screen. We’re building something that actually works in people’s and agents’ real financial lives. More updates coming soon. Thank you to everyone who’s been engaged and constructive through this process. Live long & prosper 🖖 — Ronald

Closed ✅✔️ Today the @PIONEERCAPADV team had the privilege of helping a business buyer on his first acquisition of one of the Pacific Coast's premier full service landscaping companies. A 20 year old, deeply community rooted business operating across multiple sites with roughly 46 W2 employees and a service mix that spans landscape renovation and construction, landscape maintenance, lawn maintenance, and a wide range of miscellaneous outdoor services. The buyer is a seasoned operating executive with more than two decades of cross industry leadership experience. He arrived with a board level operator's instinct, a thoughtful 90, 180, 270 and 360 day playbook, and a deep respect for the people, customers, and community that built this business into what it is. This is what good SBA financed acquisition looks like. A retiring ownership team transitions out with the exit they earned. A capable operator steps in with a real plan. And every one of those 46 American jobs stays exactly where it has always been: on Main Street, in the local community that helped grow this company over the last two decades. Deal Snapshot: -SBA 7(a) Acquisition Loan: $2,735,000 SBA Express Line of Credit: $250,000 -Industry: Landscape Renovation & Construction, Landscape Maintenance, Lawn Maintenance & Miscellaneous Services Location: Pacific Coast, U.S. Structure: Stock Purchase A tremendous thank you to the deal team that brought this one home: Lender (Pathward Bank) Jeffrey Stelmach who underwrote and championed this credit from term sheet to close Loan Service Provider (Windsor Advantage, LLC) Andrew Slivinski, whose closing quarterbacking kept every wire, payoff, and UCC in line Buyer's Counsel (@smblawgroup) -- @nathan_e_hill, whose calm, precise leadership through SPA negotiation set the tempo Aixa Vitar Sayat, who carried the documentation workload with absolute reliability @PIONEERCAPADV team: Rafael McFerran-Lopes, our RM/BD rep., who built the relationship and led the strategy Fernanda de la Peña Tapia, our analyst, and Maggie N Razavi, our closer, who shepherded this one through every last open item Valerie Stash, our COO, whose operational discipline shows up in every closing we touch

US fintech is a React front-end sitting on top of an Arkansas community bank's compliance. 156 sponsor banks in the US on paper. In reality, 4 to 6 carry almost the entire market. The industry consensus is brutal: out of 100 banks claiming to do BaaS, maybe 20 actually do it, and 4 do it for serious lending. Here's the actual map. - The Bancorp: $8B balance sheet. Powers: Chime, SoFi, Venmo, PayPal, Bluevine, Current. - Cross River: $8B, New Jersey. Under FDIC consent order since 2023. Powers: Stripe, Affirm, Coinbase, Plaid. - Evolve Bank & Trust: West Memphis, Arkansas. Fed cease-and-desist in June 2024. Powers: Mercury (until 2024), Stripe Treasury, Dave, Rho. - Pathward: South Dakota. Powers: Coinbase debit, MoneyLion, Western Union prepaid. - Column & Lead: the new model. Banks owned by ex-fintech operators (Hockey ex-Plaid for Column, Reses ex-Square for Lead). Column powers Brex and Mercury (post-Evolve). Lead powers Ramp, Affirm, Stripe/Bridge. Three fault lines nobody brings up in investor decks. 1. Operational risk. A neobank without a charter is a UX layered on a borrowed core banking stack. If the sponsor goes down, consent order, bankruptcy, or just shuts the program, the fintech dies in 90 days. Mercury almost died when Evolve got hit by the Fed. They survived at the speed they signed Column. That's it. 2. Consumer risk. "FDIC-insured up to $250K" is technically true and practically misleading. FDIC covers the failure of the bank. Not the failure of the middleware (Synapse). Not the fintech. Not a ledger that doesn't reconcile. Yotta users saw "Evolve Bank" on their app, their money was scattered across 4 partner banks via Synapse (Evolve, AMG, Lineage, American). 19 months after the bankruptcy, $60-95M is still missing. 3. Systemic risk. If The Bancorp or Pathward has a regulatory event tomorrow, it's not one bank going down. It's Chime Venmo SoFi MoneyLion Coinbase debit simultaneously. For sub-$10B balance sheets sponsoring 50M end-user accounts. The ratio is insane. In 2023, BaaS banks represented 3% of the market and 13.5% of severe enforcement actions (S&P Global). Not a statistical accident, the signature of the model. Fintech disrupted the branding. It didn't disrupt the balance sheet. PS: I post about payments & stablecoins every day with @Subyhq. Follow for more

La orden justamente va a cerrarle esas cuentas a los que no tengan documentos. Esa cuenta está en el banco Pathward. No existe el banco bienestar en USA.

¡Ay chairo pendejo! Seguimos sin aprender a leer? Ya llevas 7 años escribiendo pendejadas a favor de anlo y no te superas? Tu respuesta no tiene nada que ver con el post de Luis Cardenas. Es más, es muy probable que Financiera para el Bienestar (a través de su tarjeta Visa emitida por Pathward) también quede sujeta al proceso de revisión y mayor escrutinio. Y tú, muy nacionalista pero usas una tarjeta que la opera una empresa financiera transnacional (VISA). Dan lástima chairos, piensa, hablan y escriben puras pendejadas igual que anlo🤣😂

Mine went to a whole different bank account through Pathward. 2FA active and everything.

Update on this situation really quick: I was essentially told "damn that sucks but we sent the money so have fun getting it back". I am in contact with Pathward trying to get my paycheck, and while I understand that Twitch has no responsibility after the payment has been sent, I get it, I am genuinely shocked at that blatant ignoring of a really scary and dangerous security issue. My account was accessed without my knowledge, and somehow even with 2FA turned on, I was not notified of the login. I was not notified that my payment method was changed (which seems like a really basic thing that everyone should get notifications for, i dunno, maybe that's just me). I knew absolutely nothing and was just met with "well contact them to see if you can get they money, not our fault". I am lucky to have been able to pay most/all of my bills currently, but this is ridiculous. I hope that Pathward can easily release my funds for me, but my worst thought is that the money is gone. I just want this fixed man...

4/ Six lenders came out of nowhere. Northeast Bank · Pathward · Port 51 · SmartBiz · Climate First · Lendistry All under $30M in FY2021. All doing $150M–$390M annualized today. None are traditional banks.

Behind every SBA closing is something the tombstone doesn't show: a Main Street business that stays open, and the jobs that come with it. This one closed at $4,330,000 SBA 7(a) plus a $250,000 working capital line of credit — financing the acquisition of three franchise locations across the Southern U.S. Multi-unit franchise deals look straightforward from the outside. They rarely are. You're underwriting three P&Ls, three leases, three labor markets, the FDD, and the franchisor relationship. Every piece has to hold up. Jeffrey Stelmach and the Pathward team got comfortable with all of it. Structured thoughtfully, approved, funded. William Barlow at Barlow Williams represented the buyer and ran a steady process from LOI through close. The @PIONEERCAPADV team: • Myself - RM on deal • Fernanda de la Peña Tapia — credit • Andrea Parada — closer • Valerie Stash — COO If you have a deal under LOI or approaching LOI, we'd be glad to hear from you. Reach us at deals@pioneercap.com — we'll give you a clear read on financeability and structure. #MainStreetPreservation #SBA #BusinessAcquisitions

We’re still looking for a Platinum/Diamond to step in as a Pathward Initiator Ready to lead and grow? Let’s connect. 👉 discord.gg/BuSyTU6jth #Pathward #PlatinumRank #DiamondRank #Valorant #LevelUp #CSOEsports

Upstart $UPST partner Pathward Financial $CASH just reported earnings, highlighting strong origination growth 'primarily driven by the new contract announced during FY25 within consumer finance.' Pathward announced their partnership with Upstart in November of 2025.

$3,100,000. Done. $3M SBA 7(a) loan. $100K Express Line of Credit. Landscaping and hardscaping acquisition in the Midwest. What the graphic doesn’t show: the ownership structure of the buying entity changed materially in the final week. Purchase docs amended days before the table. A UCC lien on seller equipment turned into a full scramble to extract specific payoff language from a lender who wouldn’t speak to anyone but the borrower. There was a genuine moment where this deal was not closing. My team made it close. I am immensely proud of what Valerie, Fernanda, and Andrea did on this one. When the walls started closing in, they didn’t flinch. They problem-solved, they communicated, and they fought for this client until it was done. I’ll put this team up against anyone in the country doing SBA acquisition finance. Anyone. A huge thank you to Jeff Stelmach at Pathward Bank for being the kind of lender partner who holds steady when a deal gets hard. That composure matters more than most people realize. If you’re acquiring a business in 2026, my team at @PIONEERCAPADV would love to help you get there. Link to book a call is in the comments.