Super interesting from a business perspective, but can’t help but think of the personal front too. While it may be difficult to execute safely/cheaply, just the idea rolling my own personal checking account is phenomenal.
Stripe Treasury currently supports businesses whose customers make business use of the platform. We are interested in innovation in personal financial services, too, but see more need currently from B2B platforms. We will see how things develop as we improve this offering!
This is something I've wanted for a while, for personal use only. I wonder if their pricing and license will actually accommodate this kind of use case though.
What features are you looking for? If you have an account at Capital One (or most other major banks) you can get pretty good control over it thru Plaid.
I'd prefer Capital One not have access to and sell all my purchase data.