I’m developing an application where users have a balance that I manage internally. I want to enable users to deposit and withdraw funds from this balance using their card, bank account or any other methods.

I’m seeking advice on developing a backend service that facilitates bank-to-bank transfers within the UK. Specifically, I’m interested in leveraging third-party or Open Banking APIs to seamlessly debit funds from my own bank account and transfer them to another bank account, all without the need to access my bank’s online portal.