[mnehring]

Hi Tara - first, thanks for coming here for Q&A.

My first question is, will any revenue be available for companies that build on top of this platform? Normal banks make money on interchange on bank cards and interest spread (as well as less savory activities like crazy overdraft fees). Is there any revenue split with the partner? E.g., maybe Goldman pays 0.82%, I offer my customer 0.50%, and so I pocket 0.32% of the balance.

Second, what about customer service for the end customer? There's clearly a top-level layer that's managed by the partner, a mid-level layer managed by Stripe, and the deep backend banking layer managed by the partner bank. How is customer support split up among those 3?

Those were my two main questions. I heard a couple of people asking about use cases. My use case would be an idea I've been kicking around for a while. I've been working on a concept for a next-level-totally-awesome personal finance budget app. The fundamental purpose of a personal budgeting app is to assist you in knowing when to say yes, and when to say no to a purchase, and to do autopsies on past purchases that may have messed things up. I tried a basic version using Plaid to get a data feed from my bank, but the Plaid data feed is inconsistent from bank to bank (with how it handles authorizations that later settle or fail to settle). Being able to bundle a budget app directly with banking could be killer. You'd have real-time, 100% accurate data coming in. That would be a game changer that might make me finally finish my dusty app.

So, Tara, if you're not doing revenue sharing with partners yet, please consider it:-). Revenue sharing is a great way to make apps-on-top-of-platforms flourish.

[tarstarr]

We definitely want platforms to make money on Treasury - there’s a lot of flexibility in how platforms can structure monetization (and revshares are totally possible) so please contact us to talk more about how this works.

With respect to customer service for the end customer, this follows the same process as Stripe Connect. Depending on the type of connected accounts you choose, you can have either Stripe take on customer support for you entirely, or manage customer support yourself. While our bank partners power this product, they’re never interacting with end users at all: that layer, from a customer support perspective, is abstracted by Stripe.

Edit: made "connected accounts" lowercase.