So the question then begs. Is this the beginnings of a digital bank?

Will they start to do things like:

- Virtual Accounts / Ledger support.

- Micro Loans.

There doesn't seem to be a digital bank that does end to end payments in the US, that businesses can plug into with an API and have everything taken care of.

There is Railsbank[0], yet they are located in the UK and US support may be in Q4 this year. But they aren't an acquirer.

This is a very interesting development for sure!

[0]: https://www.railsbank.com/

p.s if anyone does know of an end to end fintech service provider for the US. Let me know. All of the ones that I have found, unfortunately are EU only.