I’ll keep this short and sweet - monzo cross promotion is great and has been needed for a long time.
What I would like now is a tighter integration- monzo doesn’t have investment products. They have smart pots and features with money saving techniques - they’ve also launched the ability to pay direct debits directly from pots. Freetrade should be able to sweep that pot and bring it across. We need the autopilot investing now - or some crude mechanics delivered.
Wise need to be involved - they are moving into the bank side of things too - but bring their user base across as well as getting employer pensions working more effectively will drive a huge amount of users across. Wise is used by a lot of businesses as well as individuals. Combine Wise and Freetrade foreign currency processing and half the fee for users of both platforms.
Finally we have ziglu- launched by the CTO of Starling - they are crowdfunding at the moment. Freetrade should merge/takeover Ziglu - they have done everything Freetrade wants to achieve in terms of crypto. Let’s not waste time on development when you could work with existing partners.
Freetrade is focused on core development which i truly believe is the best thing to do, other avenues can be delivered via partnerships.