The most curious part about Stripe Atlas is they are just ε away from doing it all themselves now.  Doesn&#x27;t take giant leaps of the imagination to see where it could be headed next.<p>The whole &quot;apply&quot; stage is probably just because it&#x27;s a new service.  Don&#x27;t want to have 10,000 people jumping on your as-yet-unproven process without a gating mechanism.