You can probably build a $100m - $1B business that way. You're not going to be cap1 (though cap1 serves lots of customers prime banks won't touch, so they have

You can probably build a $100m - $1B business that way. You're not going to be cap1 (though cap1 serves lots of customers prime banks won't touch, so they have their own niche). Also, there may be lots of people who foolishly don't use CUs. If Tally can reach lots of them they'll do well for themselves.