{"asOf":"2026-09-05","merchant":"SSDF INC","kind":"role","id":"end_user","title":"End user","kicker":"The person who could not get the money","body":"Consumer or small business whose balance sat in an FBO. After Synapse, many could not withdraw for months while bank ledgers and middleware ledgers disagreed.","clerk":"Deposit insurance, if any, is the bank's FBO analysis — not the fintech app's UI.","ssdf":"SSDF's buyer is a purchaser of a digital SKU. Not a depositor."}