A sponsor bank move is complete when customers run their business from the new account. See how Lettuce built that switch into its product with InstaSwitch.

Seven questions to ask before you choose a provider

Field data from 300+ switching conversations with US small business owners, paired with the published research on where SMB banking is headed.

InstaSwitch now deploys as individual modules: funding, income platforms, payroll, bills and subscriptions, vendors, and customers. Put each one where that work already happens in your product, so the switch is available at the moment a business is ready to move.

181 US bank merger & acquisition deals closed in 2025, with $49B in announced value. 33 more in Q1 2026, worth $15.7B. 31 fintech sponsor-bank migrations happened in the same window.

Today we're launching InstaSwitch and announcing $4.7M in seed funding led by Chicago Ventures. Hear from Founder and CEO Daniel West on the $72B activation gap in business banking and how InstaSwitch closes it.

InstaSwitch completes its SOC 2 Type II audit

Why activation is the easiest lift to your P&L

Account opening is solved. Activation isn't. This brief lays out why most new business accounts never operationalize, and what business banking platforms can deploy in days to close the gap.

Why opening more accounts won't fix the deposit problem, and what business banks should be measuring instead.

InstaSwitch raises $4.7M and launches the first purpose-built account activation infrastructure for business banking, with live deployments showing 13.1x higher account balances and over 80% completion among users who start the flow.

Forbes covers the InstaSwitch launch and $4.7M seed, with Stuart Larkins of Chicago Ventures on backing a problem instead of a vision and Lettuce on what happens next.

Our lead investor on the technical insight most people miss, the UK's £750M switching experiment, and why bank switching is the wedge for something much bigger.

Panache Ventures on the 3,000+ hours of manual switching that trained the workflow library, why alternative approaches break, and the bigger thesis behind the company.

BTV on the missing link between account creation and account adoption, the hybrid execution architecture, and why agentic AI doing real authenticated work in production is rare.