Hey,
Thanks a lot for your supportive comment and for your question, which is an important one. We currently focus on getting partner banks on board an building an MVP and that in this stage legal questions do not yet play too big of a role as we are still far away from a productive system. However, we are aware of the legal implications that will follow in later stages of this project and we are in the process of building a legal (advisory) team to help us answer those questions.