My company is working on similar problem and solution for youth sports teams and clubs which are also non-profits (formally or informally).
Seems to me it is a traditional bank offering the banking services...only in authentic Silicon Valley style its being marketed exactly as you describe, a non traditional bank disrupting the status quo.
Available to whom, though? Companies with millions of dollars of capital or VC money?
I've been asking for, in the past decade, is a read/write API access to my personal account. I can make it work from there myself, and I can do it better than the bank. Hell, even just read-only access would streamline my banking and solve 90% of the use cases I have in mind. But no, it didn't happen, and it's not going to happen.
And I suspect why: because web and mobile apps are first and foremost a way for the bank to upsell financial products.