{"asOf":"2026-09-05","merchant":"SSDF INC","kind":"role","id":"program_manager","title":"Program manager / fintech brand","kicker":"The face, not the charter","body":"Customer-facing app. Sells the checking account, card, or wallet UX. Relies on the sponsor bank for the regulated activity and often on middleware for the sub-ledger.","clerk":"May be an MSB, a bank partner, or both. Confirm NMLS / OFR before treating a brand as licensed.","ssdf":"SSDF is a first-party store, not a program manager for other merchants."}