When a prop firm collapses, the story usually says the processor failed. The truth is usually the trading-platform license was revoked and the processor became irrelevant. SurgeTrader shut down seven days after Match-Trade Technologies revoked its trading-platform license. MetaQuotes has done the same to multiple firms. The four-layer vendor stack (acquiring bank, gateway, trading platform, payout rail) needs to be evaluated independently before picking a new firm to trade with or partner with.