The secret bank behind the fintech boom:Cross River, a tiny FDIC-insured bank, is not a typical community bank. There are no tellers here, or ATMs or safe deposit boxes. It is underwriting loans at a rate of more than $1 billion a month for fintechs like Upgrade, Best Egg and LendingUSA, holding 10% to 20% of each loan it issues. Is this the banking model of the future or will it end in disaster?(Forbes) “The talk about a recession or a credit cycle that’s going to start going the other way is much ado about nothing.”