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This is (probably) not global. Some financial institutions will offer aggregators safer ways of keeping a negotiated connection around. Like most big aggregators, Intuit negotiates with all the major banks individually for both batch and realtime refreshes.

The entire world of aggregation is simultaneously really interesting and rock-boring stupid. I'm surprised we don't see more fintech startups using it more aggressively, even as I am happy this made my former endeavor more acquirable.



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