We're a regulated US money transmitter and we have certain requirements we need to follow (unfortunately). Especially when we enable direct access for developer tools/APIs that allow devs to move money globally at large volumes/amounts and have immediate settlement.

We have a Sandbox environment that is going to be shipping soon so folks can get started without doing this added step.

I'm trying my best to continue pushing back -- this is why you see ZBD mobile app users only need to go through this step when they move LARGE sums through the app (aka are power users). For users we can do that. For developers we cannot at the moment.

Maybe this will change in the future. Going as hard as we can, trust me.