FWIW, I think Dwolla still requires the recipient to have a Dwolla account. Stripe and Balanced are white labeled products.
Balanced Payments only allows transfers to customers with Wells Fargo accounts, right? Does Stripe allow transfers to all banks?
Same day to Wells, next day to else, I believe.
You can transfer to any US bank account with Balanced. Wells Fargo accounts benefit from same day transfers, while all other accounts are next business day.