alt Hacker NewsSorry if I was inexact in my wording. It's settling on the existence of your bank account proving who you are. The ID services require you to give them your bank login credentials (ie, Plaid). So there are two levels of denial, at Plaid (and related ID services) themselves and the banks deciding weather or not they want to allow it (work with Plaid, or Plaid with them, etc) and if they want to give you a bank account.
I work at Plaid. Plaid's KYC product doesn't ask for bank login credentials. (EDIT: I originally had a line in here saying "nor do any of our competitors' KYC products, that I know of." but then someone in this thread linked to Stripe documentation saying that Stripe does use this method of age verification in Australia, so TIL.)