# Synapse Financial Technologies: how AI models rank it, October 2026

Finance AI Recommendation Index, October 2026 Edition. Named in 4 judge labels across 2 categories by 3 of 14 models. Page: https://finance-ai-index.com/vendors/synapse-financial-technologies/

## Standing by category

| Category | Share | Rank | Negative rate | Labels |
|---|---|---|---|---|
| Business banking | 0% | 86 | 100% | 2 |
| Embedded payments platforms | 0% | 110 | 100% | 2 |

## And against it

- "In the Synapse bankruptcy, the CFPB said deficient records contributed to customers losing access to funds, and partner banks found a $60–$90 million shortfall." (GPT-6 Luna, Business banking)
- "The [collapse of Synapse Financial Technologies] is the cautionary tale here—a BaaS provider whose failure left platforms and end-users unable to access funds." (Kimi K2, Embedded payments)
- "When the BaaS middleman Synapse Financial Technologies declared bankruptcy, it revealed a massive discrepancy" (Gemini 3.5 Flash, Business banking)
- "defunct or in bankruptcy proceedings and must be avoided" (Gemini 3.5 Flash, Embedded payments)

## Movement since September 2026

Floor: 10 points of share, measured on the calibration repeat. A larger change is movement; a smaller one is noise.

- Business banking: 0% to 0%, ±0. Inside the floor by 10 points · rank 72 → 86 of 86.
- Embedded payments platforms: 0% to 0%, ±0. New · not ranked in September 2026 · rank 110 of 110.

## Record

- Method: https://finance-ai-index.com/methodology/
- Raw judge labels and full responses: https://finance-ai-index.com/data/
- License: CC BY 4.0. Cite as Finance AI Recommendation Index, October 2026 Edition, finance-ai-index.com.