In April 2024, more than 100,000 people woke up to find their money gone. Not stolen, exactly. Frozen. Roughly $265 million sat somewhere between a fintech app, a piece of middleware called Synapse, and four different banks — and for weeks, nobody could say with certainty whose ledger was actually correct. People borrowed money for groceries. Some delayed surgeries. A few pushed back weddings. None of them had done anything wrong. They’d simply trusted an app that looked and