It was implied that we were encumbered by our corporate governance.
Agreed. I’m currently polishing the backend architecture for Monzo Labs and refactoring and enhancing the code. It’s gone through several rounds of peer review now. Can’t wait to get it into everyone’s hands!
Before anyone digs too much further, what you’re seeing there is very much non-final (we’ve already made some big changes to the feature in internal builds) and certain functionality may or may not depend on some backend feature flags being enabled for your account too.