Anyone that knows about these things would see this immediately. Anything that involves transferring money from one agent to another is quickly pounced upon.

Anyone that knows about these things would see this immediately. Anything that involves transferring money from one agent to another is quickly pounced upon. That HN is a popular place for launching new startups would make this an obvious target to watch. And most people starting new money transfer systems are ignorant of the potential for fraud and laundering. Essentially, this is standard practice.