From the American Banker article:

FBI and SEC agents stormed AriseBank’s office in the middle of the night where the team had been sleeping after a long night spent coding.

"I got woke up with guns pointed at me," he said. "It was, 'Put your hands up where we can see them.' I didn't know why they were there. They brought us outside, handcuffed us, and put us in a Suburban in the driveway."

Upshot:

If you break the law to disrupt the taxi industry, expect some lawsuits.

But if you break the law to disrupt the financial system, expect to see the business end of the state's monopoly on violence.