Is there an option to accept sats (even if the sender pays in fiat) and withdraw sats to your own wallet instead of a bank account?
You created an account here (https://www.uma.me/signup), link with Plaid and then you receive an UMA address. With this UMA address I can pay you and you receive the value in your bank account that you linked
Discussion
Only if the bank accepts sats. https://www.xapobank.com/ for example supports Bitcoin and UMA. But they didn't enable receive by UMA yet, only send.
Instead of Bank, yes, but without KYC, I don't think so.