Not to answer for Moov, but IIRC, they're still open source + a paid option with banking partners. I think the pricing is weird because you can start (and run!

Not to answer for Moov, but IIRC, they're still open source + a paid option with banking partners. I think the pricing is weird because you can start (and run!) for free, while the end to end solution requires negotiating with multiple parties.