Be that as it may, there is a reason finance is regulated the way it is. Like it or not, if you implement a technology intended to create an ecosystem where tha

Be that as it may, there is a reason finance is regulated the way it is. Like it or not, if you implement a technology intended to create an ecosystem where that type of regulating activity is impossible, you will find every character excluded by design from the regulated system amongst your userbase. You will very quickly, come to re-invent many control schemes in an attempt to get your unregulated space "mostly safe" for normal people, but in the process of so doing, be back to square one. This is why we (note the royal we) can't have nice things. It is also why becoming a financial services provider is a late-stage growth milestone of a business. Once you get past compliance, monitoring, and risk management boss, offering a line of credit or other finance products is an exercise in bookkeeping, and scales relatively trivially given sane accounting practices and managing your liabilities/issuing demographic. If as a business, you achieve that and are still even remotely true to your original roots, congratulations, you're The Man(TM) now.