Aren't they really the "Anti-Stripe" more akin to Dwolla? Banish Credit Cards altogether? Also, I heard there were changes in European direct deposit/ACH laws (

Aren't they really the "Anti-Stripe" more akin to Dwolla? Banish Credit Cards altogether? Also, I heard there were changes in European direct deposit/ACH laws (the approach Gocardless takes) that will allow them to be European, not just UK, very soon.