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There is no difference.

Very informative..

Stupid question then.. p2p - is that illegal?

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if you get prosecuted and convicted of operating without a money transmitter's license, then yes it is. Ask Theresa Lynn Tetley about it.

Interesting read, so assuming the rules don’t change - how do we get around this as a circular economy/community?

you just do it anyway and take your chances. They can't put all of us in prison.