In college I worked part-time for a music social network startup that sold songs and paid artists a commission, kind of like iTunes. I had to write a cron job that would issue the artist payouts every night by writing ACH files in plaintext and SFTPing them to SVB.<p>3 years later it&#x27;s great to see Stripe providing this, but I will always have an oddly fond memory of working on that. It felt so obscure and unnecessarily difficult.