I've used the Stripe Transfers API, and am considering using it on another project soon, but I've also been looking at Balanced. One of the pain points for me

I've used the Stripe Transfers API, and am considering using it on another project soon, but I've also been looking at Balanced. One of the pain points for me was that funds are only available to be transferred 7-ish days after the charge is cleared, same as when Stripe would normally transfer it to the bank account of the Stripe account owner. I ended up having a table of "scheduled" transfers that would be queried each time the balance.available webhook was run. Any transfers that were scheduled 7 days prior would then be sent to Stripe. If I messed up, transfers would fail because there wouldn't be enough to cover them in the Stripe balance. It would have been much nicer if the balance.available event could tell you which associated charges had been cleared and made available. Also, Stripe has no way to pre-fund your account to provide a buffer for possible overages. Also, you can't turn on the Transfers API until you associate a bank account, which I don't want to do with the account I use just for development/testing.