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Strike raises it by usage. Overtime the limits are increased. Reach out to Jack on Twitter (he runs the Strike account) or on the support thing in the app and they will get it raised for you.

But yes, they are licensed in US and require KYC to operate too.

Cash App will not increase limits at all. If you happen to send 0.5 BTC to Cash App, you can’t even access all 0.5 BTC of it. You have to send it out piecemeal since it too is suspectible to the spending limits. It is absolutely absurd given that BTC is final settlement.