You intend to restrict this to a single market? There's some sibling comments that do point out that.

Much "annoyances" when it comes to money is all those weird laws and rules from lower level companies in place, improving things for developers is a laudable goal but I do hope that you guys have some real world experience with these systems apart from frustrations as system users because doing a good DX right now feels like it could make you end up in a dead end.

100% agree - this is not a space to tread into lightly.

We have some really knowledgeable payments people in our corner, including several veterans with many decades of payments industry experience as leaders at the big payments players. There's a lot that we've been able to learn from them as they help us navigate the financial services side of this business. We're conscious of how much work there is to do, and how the "good DX" is really just the visible tip of the iceberg.

Currently through Stripe we are able to onboard merchants wherever Stripe can serve them directly. Our upcoming merchant of record offering (which we hope to launch soon), will be available to merchants wherever Stripe can send payouts, which is a longer list of maybe 150+ countries.

The pathway to building deeper payment rails will indeed have to be country-by-country as each one requires new banking partners and compliance regimes.