[montenegrohugo]

ah, it seems i completely misunderstood your question.

I think there's two angles here: personal accounting for the user, and compliance for us as a company.

From a user perspective, it's your own responsibility to classify your transactions when you do your accounting, wether you're an individual or a business. So if you get paid via Peanut, you need to say if it was a donation, friend payment, income, etc.

From our own perspective on compliance, risk and fees, it depends a lot on what provider we're working with and in what jurisdiction the operate on. Sorry if that's not a satisfying answer ("it depends"); happy to go into more detail if you have a specific example in mind