How do you compare to a group like https://crescent.finance? Disclosure: I am an investor in Crescent, but primarily I’m just curious!

Do you mean this Crescent? https://www.getcrescent.com/

They're more of a traditional banking product. They seem to have a great high-yield checking account (3%), which is a great place to keep short-term cash. But for long-term holdings that you won't touch for months, a higher-yield product like Palus makes more sense, earning closer to 5%.

For what it's worth, we don't try to replace products like Crescent (or Mercury, Brex, etc.) at all. They're great for day-to-day banking. Instead we connect to your account there and optimize for really simple UX. We're working on setting up automatic sweep to/from Palus to make it even simpler.