DepositFlex Proxy — Employer-Level ACH Split and Routing Service
9/10
Demand Score
Employees demand flexible deposits; HR teams face high ticket volume and can’t support multiple-account splits due to payroll constraints and cutoff times.
7/10
Blue Ocean
Competition Level
$2k-8k
Price/Month
Predicted customer spend
24 days
Time to MVP
Difficulty: Expert
The Problem
Other Notable Problems
Competitor Landscape
- Deposit switching APIs (Pinwheel, Atomic)
- Neobank split features (Varo, Chime)
- Payments infrastructure (Modern Treasury, Moov, Orum)
- Payroll vendors with limited native splits
Must-Have Features for MVP
Virtual account ledger per employee (FBO)
Rules engine for split-by-amount/percent and goal-based saving
Same-day ACH/RTP with cutoff orchestration and pre-funding
Employee self-serve portal with HR-controlled policies
NACHA-compliant reporting and full audit logs
Return handling, auto-retries, and exception workflows
Sponsor bank partnership and segregated client funds
⚠️ Potential Challenges
- Money transmitter licensing or bank sponsorship requirements
- ACH/RTP risk management and returns handling
- Regulatory compliance (KYC, OFAC, NACHA, 1099/941 implications)
- Tight integration with payroll calendars and funding windows
Risk Level: High
🎯 Keys to Success
- Bank partner secured and robust compliance program
- >99.9% on-time disbursement rate
- Low return rates via account verification (micro-deposits/instant)
- Easy payroll file ingestion (NACHA/CSV/API) and zero vendor change
Ready to Build This?
This expert-difficulty project could be your next micro-SaaS success.