How do you increase your post count this fast? o.O and here I struggle to hit the 10K when I have been here since ancient times xD
Let's see. You were a bit too greedy with this one, IMO. I dare say this outright outclasses Borreload, and that isn't cool. Borreload is handy for its blanket on targeting from monsters, and it's used as a non-destructive, non-targeting remover of monsters. This instead is non-targetable by anything, can straight banish that monster, or a Spell/Trap even so it has more flexibility, without forsaking attack, and it eve gets to do it in a disruptive way during the opponent's turn. The only drawback is that you can't use Tokens for this but... you can easily turn those Tokens into Links and ladder into this anyway. Not to mention that unlike Borreload, this can use Normal monsters as material, for whatever that's worth.
You mention a hard OPT clause but it's not written anywhere.
Really, this needs a nerf, IMO. You could start with a -1 cost to its effect, for example Tribute a monster like Decode Talker does, and also make it target for good measure, but even then, it would be still really good as an un-targetable Quick Effect remover.