As I’m sure you know if you’ve worked in this area, there’s a vast grey area between “legitimate transfer” and “money laundering”. At least in the US. Even wit

As I’m sure you know if you’ve worked in this area, there’s a vast grey area between “legitimate transfer” and “money laundering”. At least in the US. Even with every best intention in the world, it was enough to keep me multiple years ago from starting a business that might have been both beneficial to society and profitable to me. Money laundering laws favor huge corporations and serve as barriers to entry for small, disruptive, often consumer-friendly businesses. As your description implicitly concedes, you need lengthy access to very expensive lawyers to operate in this area, not to mention the cost of other compliance measures. Like the rest of the drug war, such laws have been a huge net negative for society.