I could be wrong, but this seems like something you need a state-by-state money transmitter license to operate legally. If you're launching this on the cheap (t

I could be wrong, but this seems like something you need a state-by-state money transmitter license to operate legally. If you're launching this on the cheap (there are significant net worth requirements to get licensed) and worldwide (let alone nationwide), you might want to talk to a lawyer about your liability. These laws don't really care how technically easy it is to build a money transmission service on top of other companies.