@sama Very bad! Who are your users personas? There you go! Simplify rather than complify, if the idea here is to offer more value for money find an elegant, transparent to the user, way to do it.
@DOGE There's no such thing as an untraceable payment, money can't vanish by itself 🤣. Such amounts must have been sent through the ach for domestic or swift for international payments. Who's the recipient's bank? Iban? It's a company ? Who are the shareholders? The real beneficiaries