This looks interesting. Their “before” picture is a bit misleading though; it’s a worst-case. You can already get an account with Silicon Valley Bank as a start

This looks interesting. Their “before” picture is a bit misleading though; it’s a worst-case. You can already get an account with Silicon Valley Bank as a startup and originate ACH directly over NACHA (source: I built this). However, providing an API abstraction over ACH is cool. I would say it’s worth paying a bit more to Stripe to not have to deal with ACH directly, but then you add a payment hop between you and your payees (==delay) so having a bank that offers a nice API without adding a hop would be very useful. Note that “FBO” (for benefit of) bank accounts are actually quite a valuable feature that is expensive to set up as a startup, and let you execute some exotic legal/funds-flow structures. So pretty cool that you can get those.