Yeh, my research had basically dead ended in MSB regulations as well. I get the money laundering concern but also strongly feel that absence of micro-transactions has destroyed the internet and is now doing terrible things to our brains.

I should look more into ACH, i dont remember why i moved away from that direction.

I considered crypto but it seemed like too much of a bucket of worms at the moment.

I was hoping somewhere in the fintech survey someone was doing something to enable p2p microtransation. But it seems like the quest continues.