"I hate Bank of America. I'm not happy with any of the other startup banks. And honestly, at this point my first instinct when seeing Stripe Treasury is "Imma just build my own bank for myself!" (and that actually looks like a real possibility, at least technically)."

I did this with Twilio - which is to say, I built my own little personal telco with Twilio.

It's not without it's ups and downs but there are a lot of interesting little superpowers I now have over my telco interactions that I would not otherwise have ...

Yes! I totally get it and love that.

Sincerely,

--A guy who built his own Asterisk PBX-in-a-linux-box that sat on his desk in 2004 and had 2 physical phone lines plugged into it and today, 16 years later, is still running slight variations of the exact same scripts (although now in the cloud w/ VoIP, but same same).

Please write a blog post or something similar explaining what exactly you’ve done because it sounds fascinating and would love to learn more

Can you elaborate on some of those telco superpowers? And perhaps some of the downsides as well? Curious more than anything!

I would also love to learn more! I've thought about doing this for a while now too and I'm curious how it turned out for you.

interesting - want to share a repo?

I recommend mercury.com. Amazing in basically every way IMO.

Yeah Mercury and some other startup banks looks great, but at least Mercury appears to be business-only. I need something that works for business & personal.

(And I have no doubt they'll all expand to handle both personal & business, but I'm impatient ;)

I don't wanna try and sell it here, but I like and use simple.com. If you haven't tried it I recommend it.

In the EU, recommend Bunq for the same feels. (In the US, I used to use simple.com)