About Crew

Crew is a Neobank building a digital-first family banking app. They offer high-yield checking and savings accounts designed specifically for families, with features including:

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• Joint accounts and cards for parents
• Authorized accounts and cards for children
• Automated allowance management
• Wire transfers and instant intra family transfers
• High yield savings accounts with pockets for organization

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Crew aims to be the most sophisticated bank account for parents. They also provide the first and last bank account their children will need, growing with them through all phases of life rather than serving as a temporary solution.

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Problem

Just before their beta launch, Crew hit a critical roadblock: their chosen financial data provider couldn't connect to several major banks used by their early adopters. This presented them with two equally challenging options:
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1. Delay their launch by weeks or months to integrate with a different provider - with no guarantee of better coverage
2. Launch with incomplete bank coverage, risking poor user experience and potential customer churn
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The situation highlighted a fundamental challenge in open banking: relying on a single data provider creates inevitable coverage gaps. Yet managing multiple provider relationships and integrations requires significant engineering resources and increases operational complexity.

This roadblock forced them to rethink their approach to financial data connectivity, seeking a solution that would provide comprehensive coverage without delaying their launch or overcomplicating their infrastructure.

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Solution

Crew partnered with Quiltt to quickly solve their coverage challenges without delaying their launch. By leveraging Quiltt's platform, they gained immediate access to multiple aggregators through a single integration and contract.

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Implementation

The initial integration focused on two core features:
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• Account Verification: Enabling secure account connections to facilitate payments
• Account Owners: Verifying account ownership for compliance and security
• Account Balance: Reducing NSF returns by verifying linked account balance
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Later, they expanded their implementation to include transaction enrichment, and standardized merchant names to improve their user experience.

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Key Benefits

1. Expanded Coverage: Access to thousands of additional financial institutions through multiple aggregators, significantly expanding their serviceable market
2. Simplified Integration: One API and one contract replaced the need for multiple provider relationships and integrations
3. Engineering Focus: By outsourcing provider management and data normalization, their engineering team could focus on core product development
4. Future-Proof Solution: The ability to add new providers or features without additional integration work
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Outcomes

• Under 2 weeks - Integration timeline
• 2000+ - Additional Institutions Covered 
• 0 days - No launch delay

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“Quiltt has been a phenomenal addition to the Crew platform, and the team is wonderful to work with. Gaining access to multiple aggregators with a single integration takes a huge annoyance off of our plate, and helped us support more customers without any additional effort on our end.”

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The partnership enabled them to maintain their launch schedule while providing a more comprehensive solution than their original single-provider approach. Additionally, the relationship has evolved beyond the initial crisis solution into a strategic advantage, allowing them to continuously expand their coverage and features without additional integration overhead.

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