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Exactly. I'm torn between analyzing the decision as a lawyer would or just taking a @DarthCoin approach.
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As a layman I think the legal theory sounds extremely suspect. Are the makers of cash registers money transmitters? How about makers of leather wallets?
This is pretty bad. From my understanding of the legal theory (mostly by talking to ChatGPT), even apps like Stacker.News could be implicated despite never actually being in control of customer funds. Even if all you do is control the interface that people use to directly transmit funds to each other, you could be classified as a money transmitter.