Why is moving money from card to bank account so difficult? Building VZr0 to explore a simpler flow

Over the past few years, I kept running into the same problem.

Moving money from a card to a bank account is surprisingly difficult in most apps.

Some platforms only allow transfers between users.
Some treat it as a cash advance and charge very high fees.
Others make the process unnecessarily complicated.

After encountering this several times, I decided to experiment with building a small fintech tool to explore whether the flow could be simplified.

The idea behind the project, called VZr0, is very straightforward:

fund a wallet using a credit or debit card

withdraw the balance to a bank account

manage transactions in one place

Right now the project is still in pre-registration while I test the infrastructure and payment flows.

Building it has already been an interesting learning experience about how fragmented payment systems can be, especially when dealing with card networks, wallets, and bank payouts.

If anyone is curious about the idea or wants to follow the project, you can see the early version here:

vzr0.com

I’d also be interested in hearing from others who have worked with payment systems or fintech infrastructure. What challenges did you run into?