Hi David,
Thanks for taking the time to communicate this.
To challenge the issues you highlighted, please see the points below.
1.Hitting top-up limit. Users that receive regular salary payments will be reminded to provide source of funds before hitting their limits. In the scenario that a user hits their top up limit, our compliance team are able to increase limits quickly providing all requested information can be provided.
2.Ideally we would like to support direct debits, however it is not possible yet. I appreciate the common perception here, however after a little research it is quickly cleared up. More and more service providers are accepting reoccurring card payments as well as direct debit.
We are working really hard to support unique accounts in other currencies. Personally I agree with you, it’s a really exciting direction.