[BoorishBears]

Wouldn't most people build what they're building now?

I mean what Plaid does is extremely sketchy, but it's a turn-key solution that provides an API to interact with bank accounts

Most people don't catch on to the fact (or even care tbh) they're sending Plaid their account data, so it's not like you could differentiate an app based on "native" API access

(I'm not against official APIs to be clear, but addressing the reality of the situation here)

[eaplant]

I totally agree - Plaid seems like a good existing but insecure "API" that most people probably don't care that they're giving their login info to.