Startup banks (at least 4 of them) have a chat (which needs to work, otherwise tough luck). The chat is operated by unqualified, anonymous people, who's rotate

Startup banks (at least 4 of them) have a chat (which needs to work, otherwise tough luck). The chat is operated by unqualified, anonymous people, who's rotate even within the same conversation. They're complete shit. Esp. if your transfer does reach the counterparty...