this sounds incredibly hard to do - plaid's moat is that it is a bunch of work to keep up to date with all these different bank UI's, plus many banks have moved

this sounds incredibly hard to do - plaid's moat is that it is a bunch of work to keep up to date with all these different bank UI's, plus many banks have moved to OAuth which they only provide to trusted partners - like plaid. You cant get an oauth token to your BofA account just because you have an account there