Cash flow is the #1 problem with small businesses. Vendors to pay to make the goods they're selling. When you attach a bank account, it usually takes ~3 busines

Cash flow is the #1 problem with small businesses. Vendors to pay to make the goods they're selling. When you attach a bank account, it usually takes ~3 business days from card processed to accessible cash. This isn't Stripe's fault, it's bank transfer ACH's fault. By offering sellers a built-in checking account, Stripe (and in turn Shopify) can decrease the time it takes to access money you've been paid. Same-day or next-day access, huge deal. edit: I'll add, Stripe already offers immediate access to cash (Instant Transfers), but they charge 1.5% because technically they're extending credit. Stripe is eating their own lunch here. People won't need Instant Transfers as often and their profit margin on the interest sitting in the checking accounts will be much lower than the 1.5% fee they currently charge for Instant Transfer. But much bigger market.