I don’t understand what the fintech is adding to the equation. The goal of these products is that, to you the user, it feels like "money in your account." You

I don’t understand what the fintech is adding to the equation. The goal of these products is that, to you the user, it feels like "money in your account." You don't need to think of the mechanics of brokered CDs if you e.g. want to keep $750k on deposit at Schwab. You just... keep $750k on deposit at Schwab, and Schwab does some magic you don't care about, and you're insured. Scale up the numbers a bit and sell it to companies, and that is the fintech pitch.