Every fintech founder should know these two rules (and a law)

Global network connection covering the earth with lines of innovative perception . Concept of 5G wireless digital connection and future in the internet of things . 3D illustration .

Why does one lender borrow at 3% and lend at 15% while another borrows at 10% and lends at 8%? Moreover, why can some originators who sell off their loans command meaningful origination and servicing fees while others earn slivers?  These questions were top of mind when I saw Frank Rotman take to Twitter to…