[oogetyboogety]

This. They're just "virtual accounts" under a single partner to the bank. If the service groups your payments with some other parties, in some weird mining strategy, then you might have risk. But if your parties grouped together on transactions appear to be cartel money launderers, you can definitely expect some calls from the bank. And the FBI. And your transactions related to that party in any way not to go through. It's a big part of compliance. Neobanks typically take their licenses from very well established banks who trust them and their partners to not expose tons of risk. It's a burgeoning market. They face competitive and regulatory pressures forcing them to strategize on this very well.