The virtual accounts as they are offered now don't really offer me any benefits.
Our Virtual Accounts are the first step towards exactly that – we were thinking that virtual debit numbers tied to virtual accounts might make the most sense from a payment flow perspective. And that would allow you to do just what you described, provided the payment recipient takes debit vs ACH. Having virtual account/routing numbers would be a great extension of that capability too!
I would however have an interest in some of what these fancy new "let us have access to your account" companies are offering. If it was simply software to use 'offline'.