One in the US is that you cannot use a borderless account for ACH transactions initiated by the counterparty (despite it presenting the details that make it look like you can).
I'm curious to know how you verified this. The help text in the app is explicit that "There's no fee to receive ACH payments, or any other kind of payment that uses your ACH routing number."
I remember the app used to show two sets of US bank details, and that the routing number for receiving wire transfers was different from the one used for receiving ACH transfers. But that seems no longer to be the case.
If you're saying that people can't transfer money into your account via ACH, then that's not true. Being paid by a client is a specific use they describe.
The opposite is what I am describing. I.e I cannot (read: could not last time I tried it, about 2 years ago) pay rent using TransferWise, upon entering the routing code and account number.
I remember the app used to show two sets of US bank details, and that the routing number for receiving wire transfers was different from the one used for receiving ACH transfers. But that seems no longer to be the case.