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Not a Fintech Company

Open-source · CC0 1.0

The fintech info you need

Guides, financial models, and policy templates for fintech founders. Everything here is free, public-domain, and improving every week.

Guides

Start here

All guides

Models

The math, in a spreadsheet

Open Google Sheets templates for fintech product economics. Interactive versions are coming to Tools.

  1. 01 / 03 Bank Account Economics Model

    Build-your-own deposit account unit economics — model net interest income, debit interchange, monthly fees, and per-account servicing cost across checking and savings products.

  2. 02 / 03 Credit Card Economics Model

    Build-your-own credit card unit economics — model revolve rate, APR, interchange, charge-offs, cost of funds, and rewards costs across credit and charge card products.

  3. 03 / 03 Term Loan Economics Model

    Build-your-own fixed-term loan portfolio model — per-loan IRR, charge-offs, cost of funds, and net interest margin for installment lending.

Open source

Yours to use, fork, and improve.

All content is released under CC0 1.0 — no rights reserved. If something is missing, wrong, or just unclear, open a pull request or drop us a line.

Roadmap

What we're building

A living catalog of everything in scope. Some items are published. Others are planned, drafting, or linked to external authoritative sources. Each section's planned work is tracked as a GitHub issue, so you can pick something up or suggest an addition.

Foundations

Operations

  • Financial crime prevention and compliance partner selection
  • Financial Crime compliance roles, responsibilities, and alerts

Identity & Fraud

  • Financial Crime risk assessment
  • Fraud loss (origination, KYC & identity, transactional, synthetic)

Underwriting

  • Credit Risk (Mortgage, Credit Card, Installment, Auto, Payday)
  • Payments risk (ACH & wire)

People

  • Customer Operations staffing
  • Financial Crime Operations staffing

Disclosures & Agreements

Planned work on GitHub

Bank Account

  • Deposit Account Agreement (checking, savings, automatic savings)

General

  • E-SIGN consent (electronic communications)
  • GLBA Privacy Notice

Compliance & Risk

Operations

  • Complaints & disputes (Reg E / Reg Z)
  • SAR Filing Process
  • OFAC Procedure