First, good luck - it's a difficult space and I applaud you for trying something different. I have a few uncorrelated questions:

1) Is the API limited to types of transactions or do you host configuration information? For example, I've often wished for a bank account that would look at my outgoings and some criteria that I've set, and then allocate some monies to savings or investments on a percentage basis rather than an absolute number. Are those calculations something I'd need to do at my end and then send you a bunch of API calls to make the transaction, or would they run as bots on your server? Sorry if that's not very clear

2) Will you impose tight or narrow restrictions on who can open accounts? For example in the USA many banks require an SSN to open an account and won't accept an ITIN (another kind of tax ID sometimes issued to immigrants), placing millions of people outside the banking system and thus making it that much more difficult for them to pay bills etc.

3) Will your service have access to the SWIFT network for international transfers or are you subject to restrictions while you prove some sort of banking bona fides? I don't know anything about banking relationships in South Africa or so but I've noticed the US is very aggressive about limiting transaction access for anything that looks like it could be remotely connected to crime of any kind, and I have sometimes had the impression that US banks are very 'suspicious' of anything that might coincidentally pose a threat to their business model.

I want to wish you a lot of luck and am very excited to see where this might go. I've never enjoyed dealing with money or finance, and get no more enjoyment out of being paid than I do out of paying bills. Financial chores are about as much fun as cleaning a toilet and the idea of being able to reduce the amount of time spent on dealing with money without putting myself at financial risk sounds heavenly.