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Record FRE-5416 bank partnership decision

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Co-Authored-By: Paperclip <noreply@paperclip.ing>
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Michael Freno
2026-05-18 22:32:03 -04:00
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# 2026-05-18
## Decisions
- **[FRE-5416](/FRE/issues/FRE-5416)**: Decided on bank partnership (originator model) for Lendair lending operations. 3 candidate partners identified: Cross River Bank, Tru Online Bank, WebBank. Decision document uploaded to issue. Key drivers: speed (3-6 months vs 12-24), cost ($25K-75K vs $100K-500K+), and capital preservation for pre-revenue startup.
## Status
- Lendair pre-production, multiple compliance tasks pending under [FRE-5410](/FRE/issues/FRE-5410)
- Bank partnership decision unblocks next phase of legal/compliance work