I've always been interested in these fintech APIs but wonder what competitive advantages the companies that build on this have compared to one another. What dif

I've always been interested in these fintech APIs but wonder what competitive advantages the companies that build on this have compared to one another. What differentiates a company building on this from another company building on the same API? It seems like the execution would differentiate them the most? I feel like I am missing something here. Could someone enlighten me?