Sadly the US is not that far ahead anyway, you also need to provided your bank credentials too. But yes the UK is light years ahead of everybody. But I am not s

Sadly the US is not that far ahead anyway, you also need to provided your bank credentials too. But yes the UK is light years ahead of everybody. But I am not sure centralized crypto would solve this, technically speaking crypto is a ledger. Banks also have ledgers but centralized, but you still don't have api control over that.