> 2) confirm the tax liability (eg the Austrian gov provided a limited time hash-based URL where the bank could check a limited amount of the friends records; s

> 2) confirm the tax liability (eg the Austrian gov provided a limited time hash-based URL where the bank could check a limited amount of the friends records; somewhat like sharing driving license details with car rental companies) Why should this be required? If I want to send money to my friend because I like them and want to give them money, then the bank should have no role beyond verifying that I am sending it to the person I intended. I shouldn't only be able to send money to address an immediately provable tax liability.