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The guy you are replying to had a very weirdly phrased comment. Implementing things themselves would require at a minimum getting money transmission licenses in every state they want to operate.
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River did it just fine
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Did River ever describe how they did it?
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They have their own infrastructure and licenses. It’s a lot of work but they are builders
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Forgive my ignorance – why can't Swan implement this on their own? Is this a license thing?