I have been giving thought to the Investec Programmable Banking Roadmap. I am not sure where to post this idea, so just placing it here before I forget it:

If I understand correctly - eventually the intention is to permit EFT to external accounts via the accounts API. Obviously, this comes with some risk - hence Transfer functionality was released beforehand, where there is containment of risk (funds do not leave the portfolio of the User). :bulb:Perhaps a way of mitigating the risk of external payments is at first to curtail the external EFT API to only be able to transfer to other Investec :zebra_face: bank accounts? This will allow for the community to experiment with funds between each other's accounts and if something should go wrong, there is a degree of community control and even control at the bank level, as the funds would not have left the Investec system? This could facilitate a smoother transition to the eventual objective and present an opportunity for robust testing in a controlled environment.