Separate payout verification from onboarding
During onboarding Payout setup should be Optional.
Payout verification often takes time, up to a few days, during which new Affiliates cannot set up their new features and tools.
If all new affiliates defaulted to a "Hold Payout" schema, and then after onboarding could setup payout, even if that step takes days they can still be using channel points etc. during that time.
Also if there are any problems with payout verification, the worst thing that happens is Twitch gets to hold that money (interest!) until the Payout is cleared normally.