As a web dev myself, I know the sheer amount of money that would have to go into monkey patching together all these disparate protocols and ancient APIs, plus the regulatory requirements, and that’s BEFORE worrying about consumer AND vendor adoption. The only reason to get into it is if the service is secondary to chasing a lucrative buyout before you get crushed by some multinational online retail cartel you never knew existed (but always suspected), or Google AEEs you.

Fintech blows.