I wouldn't consider Revolut ethical though. Revolut allowed people to open accounts immediately with no (or very soft) KYC but then had to limit (by law) the a

I wouldn't consider Revolut ethical though. Revolut allowed people to open accounts immediately with no (or very soft) KYC but then had to limit (by law) the amount of money they could transact before passing stronger KYC. This led to a lot of people opening Revolut accounts, going abroad and ending up stranded with no access to their money once they've exhausted the initial limit, sometimes with no way to complete KYC at all if they didn't have the required documents on hand. The ethical approach here would've been to prevent these people from opening accounts without initial full KYC or have strong & persistent warnings about the issue to dissuade people from going abroad with a limited account, but who cares about people being stranded if you can have "growth" instead?