Lesson 2 of 5
What regulators ask of applicants: owners, capital, technology and an exit plan
A digital bank applicant passes the same core tests as any bank. The differences lie in who may own it, how much capital it brings for the losses of its first years, how its technology and people are checked, and whether it has a plan to close in an orderly way.
Published 12 October 2026 · Listen to this lesson
In this lesson
- The same core tests as any bank
- Who may own it
- Capital for the start-up years
- Technology and the people who run it
- A business plan with a purpose, and a plan to exit