Who is the buyer for this idea?

Product lead at a vertical SaaS with >2k paying SMBs. Reach them through partner with 5 vertical-saas platforms as design partners and case study on gmv recapture. Skip broad SEO on day 1 — start where your first 20 customers already hang out.

How would you monetize it?

50/50 interchange split + 15 bps on deposits, typical $30-120 per merchant/mo. Pricing is the most under-thought step for these buyers, so anchor to the outcome you replace, not the tool you resemble.

BaaS providers finally have compliant sponsor banks post-2024 shakeout. That's the underlying shift — if it fades, so does the wedge.

What tech stack would you use?

Suggested stack: Next.js, Supabase, Unit, and Stripe Issuing. You can build the v1 in weeks on this stack; the moat is workflow depth, not framework choice.

Who are the incumbents I'd be competing with?

Study Unit, Rainforest, and Rutter — read their 1-star reviews, price ladder, and onboarding. That's where your positioning lives.

Who is the buyer for this idea?

Product lead at a vertical SaaS with >2k paying SMBs. Reach them through partner with 5 vertical-saas platforms as design partners and case study on gmv recapture. Skip broad SEO on day 1 — start where your first 20 customers already hang out.

How would you monetize it?

50/50 interchange split + 15 bps on deposits, typical $30-120 per merchant/mo. Pricing is the most under-thought step for these buyers, so anchor to the outcome you replace, not the tool you resemble.

BaaS providers finally have compliant sponsor banks post-2024 shakeout. That's the underlying shift — if it fades, so does the wedge.

What tech stack would you use?

Suggested stack: Next.js, Supabase, Unit, and Stripe Issuing. You can build the v1 in weeks on this stack; the moat is workflow depth, not framework choice.