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ASK: Can I start a bank with no money?

Hi FinTech elphas! I'm curious about what it takes to start a bank in real life and what are the criteria and obstacles for new startups? Many FinTechs partners with major banks to provide banking features so I'm curious about what it takes to do that too. Is there any CDIF bank providing partnership with new FinTech startups? Or should I ask these kinds of questions to FinTech specialized lawyers?? If so where can I meet them? (Elpha?) If you know them, please let me know. Thank you!