Create the connect and financial accounts for the user lazily, any time they are committed to db

user.rb

  # After commit, we always check to make sure each user has both
  # a Stripe Account and a Financial Account for that Stripe Account.
  after_commit :ensure_stripe_account
  after_commit :ensure_stripe_financial_account

  def ensure_stripe_account
    return if stripe_account_id.present?

    # Create the Connected account
    # This must be a custom connect account, but for
    # Simple Treasury, you can also use Standard.
    # There is currently no support for Treasury on Express.
    account = Stripe::Account.create(
      type: 'custom',
      country: 'US',
      email: email,
      business_type: 'non_profit',
      metadata: {
        user_id: id,
      },
      capabilities: {
        card_payments: { requested: true },
        transfers: { requested: true },

        # These are the new capabilities we're requesting
        # See the config/initializers/stripe.rb to see the
        # beta headers in this case: `money_flows_beta=v1`
        treasury: { requested: true },
        card_issuing: { requested: true },
      },

      individual: {
        first_name: 'Jenny',
        last_name: 'Rosen',
        email: email,
        dob: {
          day: '1',
          month: '1',
          year: '1901'
        },
        ssn_last_4: '0000',
        phone: '8005551212',
        address: {
          line1: 'address_full_match',
          line2: '',
          city: 'San Francisco',
          state: 'CA',
          postal_code: '94103',
          country: 'US'
        }
      }
    )
    self.update(stripe_account_id: account.id)
  end

  def ensure_stripe_financial_account
    return if stripe_financial_account_id.present?
    financial_account = Stripe::FinancialAccount.create({
      supported_currencies: ['usd'],
      features: {
        card_issuing: { requested: true },
        deposit_insurance: { requested: true },
        financial_addresses: { aba: { requested: true } },
        inbound_transfers: { ach: { requested: true } },
        intra_stripe_flows: { requested: true },
        outbound_payments: {
          ach: { requested: true },
          us_domestic_wire: { requested: true }
        },
        outbound_transfers: {
          ach: { requested: true },
          us_domestic_wire: { requested: true }
        },
      }
    }, {
      # Note we're creating the FinancialAccount _on_ the Connected Account.
      stripe_account: stripe_account_id
    })

    self.update(stripe_financial_account_id: financial_account.id)
  end