[konne88]

We're focusing on consumer first, as you mentioned it's a bit easier to get into, but I definitely agree with there being an opportunity for businesses as well.

Large purchases work pretty much the same way as small purchases (you get the money instantly, then we sell your investments to cover the withdraw), except that you may run against the $100,000/day limit on electronic funds transfers.

Completely agree on the phrasing, we can do a lot better there.

[whoknowswhat11]

House purchases etc are usually wire out - I think clear disclosures there might work on limits.

Or do a wire option with strong 2FA with callback - no SMS for authentication with a 90 day account age requirement and 15 day fund hold or similar on new funds prior to wire.

We normally have a fair bit I can't be bothered to shuffle to and from Vanguard and they've limited some of their cash management offerings. I do like having prompt access to funds so the wire option is appealing (even for a $25 - $50 fee) for me or make sure you are well integrated into same day ACH and have clear posted cutoffs (+ expedite fee if needed) for folks who need to move larger amounts.

Don't underestimate chance to move very large balances if you can solve brokerage + efficient access to cash.

Finally, if you are willing to do portfolio / margin lending (maybe very low leverage) you can often address most cap gains issues by smoothing spending.

Obviously this is opt in.

So if I write the $20K check to some contractor, you check for tax loss harvesting opportunities, if you find some great, sell and fund. If you find none then you carry that $20K on the margin account until my next deposits come in at end of month.