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Thanks! In general we optimize for simple UX and would rather connect to your banking app than replace it. That does help keep feature demand down. But our goal is to grow along with our customers, communicate closely with them, and add the features they need as they scale.
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You can probably go the other way and target consumers no? Or are they not equidistant?
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Consumers are usually a whole different beast. Everything is different with consumers from sales and marketing to regulation, particularly in the financial sector. I don't see how it could be a natural move, especially not with a treasury product.

There are exceptions, though, like Mercury, which expanded to consumers after having success with their business banking product.

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