• 50% to co-founder • 10% across 3 contractors • 5-10% to ~15 affiliates • 30% to tax account
This should be automated. Maybe through a kind of workflow builder that can trigger money flows.
What I've tried:
- Stripe Connect: Only splits to one account - Zapier: Can't actually move money (ToS restriction) - Manual scripts: Works but I'm now maintaining financial infrastructure. - Escrow.com: $100 min fee, designed for one-off transactions
What I want: Set rules once → money routes automatically each month.
Questions:
1. Does this exist? (Feels like I'm bad at searching)
2. If not, why? Regulatory? Nobody trusts automation with money? Technical blocker? Stable coins could maybe help shipping this.
3. What's your current solution? Custom code? Just manual transfers?
I've talked to ~20 founders. Most are either: - Writing custom scripts (requires dev skills + maintenance) - Paying accountants (expensive, still manual) - Suffering through manual transfers (time sink)
Seems like a gap between "fully manual" and "build your own payment infrastructure."
Am I missing something obvious?
A smart contract with a stablecoin (or a wrapped stabblecoin) would probably solve for this use case.
You want to avoid leaving a bank password in clear text for the process running in cron; so it would really be best for the bank to support Read-Only and Read-Write access tokens
(workflow automation providers do not want this liability, as you note in Zapier's ToS, which is totally fair)