Irrespective of your intent, you will get flagged if your total transacted volume in any given period is abnormally high compared to average retail banking user

Irrespective of your intent, you will get flagged if your total transacted volume in any given period is abnormally high compared to average retail banking user. If increase.com were a bank, they have regulatory reporting requirements to flag such anomalies and do more extended KYC. If they can show this was done intentionally to avoid the CTR reporting, then it can be criminally prosecuted. More likely scenario is increase will partner with some chartered bank and try to expose this api functionality. They will soon realise the constraints they need to be under to not allow crazy things like this.