Spot on, @DJane! 🎯 Loyalty points to sats should be the ultimate low-risk entry point for users. It’s the perfect example of where a tiered, Risk-Based Approach (RBA) is missing. Instead, we see 'compliance-first' hurdles that kill the onboarding experience for Bitwala and others. Small amounts shouldn't trigger these full KYC gauntlets. There is no valid legal basis for that.