modify payday to shuffle escrow automatically

[chadwhitacre]

As part of the payday script, at the very end of it, we should transfer money from our escrow in Balanced to Gittip's bank account. We should be able to compute how much to transfer based on the fees in the exchanges column. We should monitor our transfers relative to our invoices with Balanced.

Ooh! Manisha said they aren't charging us for bank transfers since we were an early adopter. We should pass that on to our customers.

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[chadwhitacre]

Dropping the payout fee happened on #1282.

[chadwhitacre]

Copied over from #1507:

The way Balanced works for fees is that we're supposed to move money on our own schedule from Balanced escrow into New Alliance, and then once a week Balanced takes their fee out of New Alliance.

We should transfer enough into New Alliance to cover both Balanced's fee as well as any PayPal payouts. That is, we're splitting our escrow between Balanced and New Alliance (and PayPal and Coinbase).

What's the algorithm for how much escrow to move to New Alliance each week? We should probably look at historical trends and see if we can pick a percentage from there, plus a fudge factor.

[chadwhitacre]

If we want to automate my current practice, we need to move from NAFCU to PayPal, and Balanced to NAFCU.

[chadwhitacre]

Closing in light of our decision to shut down Gratipay.

Thank you all for a great run, and I'm sorry it didn't work out! 😞 💃