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Multisig with no smart contract is the simplest escrow.

It's probably simple to find a validated smart contract that splits its inputs to multiple outputs?

If there is transaction privacy for the smart contracts, then how to verify that the contract actually still sends to the correct - initially configured - parties?

And then logging. Task accounting implies logging, but logs are bytes that cost money in a blockchain so is the transaction log sufficient

This is what smart contracts do.

A smart contract with a stablecoin (or a wrapped stabblecoin) would probably solve for this use case.

You want to avoid leaving a bank password in clear text for the process running in cron; so it would really be best for the bank to support Read-Only and Read-Write access tokens