非 PSD2 账户的聚合缺口与 90 天重新授权摩擦

来源证据

评论用户表示其储蓄与经纪账户完全在 PSD2 覆盖之外，目前没有任何干净的聚合器连接；并追问 PSD2 同意每 90 天过期后，重新授权是静默后台刷新还是需要用户再次登录银行。

congrats on the launch. for me the biggest frustration isn't really categorization, it's the accounts that live outside the PSD2 world entirely - a couple of my savings and broker accounts still don't have a clean aggregator connection anywhere. one thing I'm curious about: PSD2 consent expires every 90 days by regulation, so how much of the "zero friction" promise survives that reauth cycle in practice - is it a silent background refresh, or does the user have to go log back into their bank