I’ve joined Xinja and was surprised that Osko/PayId wasn’t part of your initial system release. Getting money in and out of accounts quickly is pretty basic these days and even the cumbersome old banks do it.
If Xinja is to be taken seriously I thing you should look at ING Direct to see what you need to provide. If they didn’t pay such bad interest rates I would have stayed with them - they cover all bases with Mobile and Internet Banking.
PayId and Osko are badly needed
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Hi and welcome to the Xinja Community @TommyW 
They’re both being realised very soon, you can keep up with their progress and our future plans 
(and even vote on your priorities) on our roadmap https://trello.com/b/DvScpL4o/xinja-roadmap
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