I'd guess the PATRIOT Act is involved. What's to prevent a terrorist organization from tipping large sums to their American sleepers? Our government really, really hates that sort of thing even being possible.
This is why on Draftmix, we do not allow people to do interaccount transfers. And it's been one of the things the DoJ has been using to justify their persecution of online gaming.
I imagine TipJoy would be exposing themselves to all sorts of legal woes, and that would just be one of them. The are certainly going to have to iron that out at some point.