I was hesitant too until I tried Paybis' direct buy crypto with bank account option. The key difference is that direct bank connection uses secure API-based verification (like Plaid) instead of manual wire transfers. This means faster verification (minutes instead of days) and better security since you're not sharing login credentials - the platform just verifies account ownership. Paybis uses read-only access so they can't initiate transactions, only verify balances. The encryption and security protocols made me comfortable enough to use it regularly now.