Is this new initiative strictly for an API between the official banks or there's a chance that a regular company or, let's say a private person, can use it to a

Is this new initiative strictly for an API between the official banks or there's a chance that a regular company or, let's say a private person, can use it to access its own data & submit transfers? In a related note, I do hope that the German "lastschriftmandat"/direct debit gets also replaced with something more transparent and with a better control. Similar to an e-invoice concept used by a few other countries like Estonia.