[tipalink]

> The hardest thing is making sure you're not falling afoul of the money laundering laws or accidentally financing 'terrorism'.

i.e. complying with compulsory government regulation enacted for those ends, which is a huge barrier to entry.

for example, the platform can't commingle funds in a single bank account and use accounting to keep track of who is owned which beans. they have to set up separate bank accounts for each user!