It has been determined that the Offer be accepted and that findings be made as follows: This case involves “banking-as-a-service,” a business model that allows financial technology companies (“fintechs”) to provide online banking services to members of the public (“end users”). The fintechs, which are not banks, partner with licensed banks, which in turn hold end user funds. Non-FINRA member Synapse Financial Technologies, Inc.

In April 2026, Respondent Tasveena K. Manjeet Singh declined to produce information and documents requested by FINRA pursuant to FINRA Rule 8210. As a result, Respondent violated FINRA Rules 8210 and 2010 and consents to a bar from associating with any FINRA member in all capacities.