Banks don't do this well. It isn't always low transaction time, it isn't always 0 default risk, it is usually 0 fees but not internationally and the UX is not great.
(And's that speaking as former CTO of one of the largest banks in the world.)
I was responding to:
>> "ultimate two sided marketplace"
Banks' role in anyone's attempt to solve this is why one can't forget there are three sides, not two, to getting this right. Get the right intro and a bank might even want to foot your bootstrapping bill given how challenging things can be internally.