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FWIW their competitor Teller uses the bank's own native APIs.

The idea is the bank can't shut off Teller clients without shutting off their own customers. This involves a lot of iOS reverse engineering.

So things like Plaid's Capital One integration breaking for months have never happened with Teller - who've been running for something like 5 years now.

https://teller.io/



So Teller reverse engineers a bank's internal APIs and uses those to manage your account?


Yes.




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