In my state (Indiana) they are not even licensed. Other places where they do adhere to the law, they are a money transmitter. In Indiana, that only allows money

In my state (Indiana) they are not even licensed. Other places where they do adhere to the law, they are a money transmitter. In Indiana, that only allows money holding up to 10 days, unless law enforcement files paperwork with a judge. So yeah. I will use them. But if I have any problems with them, I'll take them to small claims over non-compliance with the law.