The unspoken rule of bike-sharing industry is the misappropriation of deposits. A banking source said, "For now, there is no official regulatory requirements; it is just the business putting the money in the bank, allowing the bank to take the initiative to supervise it; it is up to the two parties to negotiate how to manage it", "Concerning the bike-sharing deposit, where did the money come from, and where did it end up? The end business is currently unregulated and banks are far from knowing this". Banks are starting to admit that there is no way to oversee the bike-sharing deposit.