I don't see Stripe's involvement in this at all: Stripe has no access to your bank account. Stripe might provide an IBAN for the publisher to provide a payto UR

I don't see Stripe's involvement in this at all: Stripe has no access to your bank account. Stripe might provide an IBAN for the publisher to provide a payto URI with. It seems like the whole point of this setup is for the user agent to decide which app to open to initiate a transfer to the destination. For Stripe, this scheme is sort of irrelevant. If Stripe wants to offer the ability for someone to transfer money to an IBAN (or any other account identifier) through a webpage, they can just...do it. They don't need a URI, they just have a JS function which triggers a payment flow.