[DaiPlusPlus]

i.e. "Security through obscurity" - which isn't a phrase with a good reputation in these parts...

I note that if you know your way around the dark web, it's relatively straightforward to find a "financial crimes advocacy" website with suggestions on evading KYC and other compliance hurdles; obviously I won't repeat them here (and I know that probably the majority of would-be bank fraudsters probably aren't into checking the darkweb for advice) so I hope there's more to it than just information-control...

[rhimshah]

It's a great point, but I'm afraid this is what the regulators enforce onto the banks/fintechs, out of our hands!