I'm confused here. So from my understanding, Stripe plugs into the APIs of banks who already have them (like every other aggregator), then relies on existing aggregators for the 95% of banks who don't. In addition, your pricing is "in line" with "the market".

My question then, is: what is the upside here, then? As a hypothetical fintech developer, why do I choose Stripe for my use case over the established competition? Why would I want my end-user's credentials in transit between multiple companies, for the same price as the rest of the market, with no improvement in performance or uptime?