Forget it. DoA due to Bank Secrecy Act, compliance costs (AML/KYC), money transmitter licensure, and the fundamental structure of the U.S. financial system
You could make a self-hostable solution, but the rest of the financial network would basically either refuse to accept your packets without sufficient proof of regulatory compliance in order to preserve their own good standing with regulators. It's a pretty jealously guarded sector, because it sorta has to be to make fiscal crime tractable.
I mean... Go for it if you want. Just be aware, your resulting impl cannot be legally employed without a money transmitter license.
You could make a self-hostable solution, but the rest of the financial network would basically either refuse to accept your packets without sufficient proof of regulatory compliance in order to preserve their own good standing with regulators. It's a pretty jealously guarded sector, because it sorta has to be to make fiscal crime tractable.
I mean... Go for it if you want. Just be aware, your resulting impl cannot be legally employed without a money transmitter license.