Chio, I wonder, what bank are you going to use? and where is it based?
also, what happenes if that bank suddenly closes your account?
you offer basically a virtual payment system, acting as a para-bank
even small "normal banks" based in offshore countries which use corresponding banks to process payments, had sometimes their accounts closed and needed to move asap to a new bank
also, not that i wish it to you, but what happens if something happens to you, eg. you have a car accident and go to hospital for 3 months?
how many people are behind your solution? how many owners, or employes?
btw happy birthday and good luck
