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diyftw

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There's a reason there's no M in FAANG. Unlike those "upstarts", Microsoft is more like the Lockheed Martin or GE of tech. There is so much Microsoft software in use in the gov't (especially the DoD) that it would be precarious to prosecute/regulate them.

I wish I was surprised that you're getting downvoted for, quite literally, asking for open standards in new tech. I would have thought HACKER news would be more receptive when, on the first page, there are stories about having trouble getting young people to maintain open source projects and linux distros.

This exists for incoming ACH transfers, and it is called a UPIC account. It is used so that a company can give out their account info to customers, but the bank will deny any third-party withdrawals. The money is directly transferred into the company's "real" bank account.