Why they can't follow
| Provider | Cross-CU Data | Member-Governed | Awareness Metrics | No Lock-in |
|---|---|---|---|---|
| Core Banking Vendors | ||||
| CU Shared-Services Co-ops | ||||
| Neobanks · Robinhood, Chime, SoFi | ||||
| Greencap |
To copy this, a vendor opens data across competing clients. A neobank hands its cap table to credit unions. Neither will.