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
Ok, so you link your bank account to the UMA app.
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?
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.