If sending money is speech, then wouldn’t limitations on money transmission be limitations on speech?

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That's the argument that we need to make

In the context of campaign finance, the courts have upheld that donations are speech, and blocking donations would be a violation of the first amendment.

It follows that if sending money is speech, then regulating money transmission is regulating speech—and violates the first amendment.

Yes and they are

Code is free speech. Any limitations on the usage and distribution of code is an attack on free speech.