In this episode of FinTech Layer Cake, host Reggie Young speaks with Michele Alt, Co-Founder of Klaros Group, about new opportunities in fintech bank charters.

They unpack the recent SmartBiz approval, what it signals for the industry, and the realities of the charter process—from regulatory hurdles to risk management. Michele also shares why now might be the best time in years to act—and why ILC charters could be the next big thing.

If you're thinking about chartering, partnering, or future-proofing your fintech, this episode is a must-listen.