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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