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It seem like everyone saying they are creating a currency system for the unbanked and underrepresented is really creating it for the rich. Silvergate only service commercial clients and requires a million dollars to open an account.  This new bank Avanti seems like it going to do the same thing.

What exactly are these guys doing anyway?  If you are a customer of either of theirs can you just chime in and tell me what you use them for.  Does anyone use Silvergate’s banking API  ? I get that Avanti might not be open for business yet.