this is an important point. There are other providers who offer programatic creation of bank accounts, payments, etc. But all existing solutions wrap a bank, who then wrap middleware providers and core systems. When you work with Column, you're working with only Column. This has implications for cost (fewer people taking a slice of the pie), performance/usability/experience (modern, tightly integrated systems), and development velocity (fewer players in the game of Telephone). Column collapses the layers of the financial services stack and exposes this functionality via API.