@foone I read the thread and on this, have you ever heard the story of how plaid got started?
The ahem ahem rumor is that they just did exactly as you said, API 0 and also managed to reverse a lot of bank mobile APIs. They implemented all this and then went to the banks and said, "You can either work with us or we'll go live with this impl and we won't work with your provisioning team." Some banks were forced to improve their non-internal APIs because of this implicit threat.