As a Canadian who has been waiting for the hypothetical ideal situation you describe since Mint and YNAB launched in Canada, that is disappointing to hear. Perhaps there will be a startup that can jump through the hoops and then provide some sort of programmability / webhook access to end users.
Where I am in Europe there are quite a few services that act as gateways, but still the sales process is "talk to us" not just sign up and have instance access.
I guess it makes sense in a way, as it would be easy for scammers to use this ("Oh I need to give access to my bank account to view this Facebook post? Oh sure, why not, moar cats plz").
There are also quite a few budgeting apps here that use open banking, so yes I expect those services will migrate to this when it's available in NA. My only complaint is it takes a few days for them to update the data. I have an accounting program (for my business) which uses open banking and also takes a while to update, so maybe it's a "feature" of open banking?
