My stance is that I believe the Bank Secrecy Act requiring KYC is unconstitutional but is unfortunately the law of the land. I actively work to try to get it repealed. However, even without the BSA we would require personal information to sell BTC for ACH payments in order to prevent fraud. That would not be the case for BTC bought with wire transfers. I don't think River is an attack on anyone more than any other financial app in the United States. Long-term I believe we are a net good if we accelerate the adoption of Bitcoin.