The better term is really "B2B" (Business to Business). I mean, yes, in the end it's going to an "end user" (ideally a specific entity) with a bank account...

The better term is really "B2B" (Business to Business). I mean, yes, in the end it's going to an "end user" (ideally a specific entity) with a bank account... But the "services" are from these middlemen looking to take yet another cut so the bank can fire people to "save money" and spend it on the (supposedly cheaper) middle<strike>man</strike>API. Til it falls and woops maybe chasing cheap fucks you in the long run. But hey, the investors made a profit! Who cares about the externalities.