> how much of the banking capital requirements do i need to put up? because a bank isn't just about payment rails and credit cards, its also about having litera

> how much of the banking capital requirements do i need to put up? because a bank isn't just about payment rails and credit cards, its also about having literal cash in the bank right? If you want to start an actual bank, you need a charter from the FDIC. This is commonly referred to as a De Novo bank. Also known as "virtually impossible".