> unregulated money transfer services

I'm not gonna go so far as to leave a "username checks out" comment on HN, but are you joking/trolling, or just completely insane? Money transfer services are regulated for a reason, and that is to protect consumers from outright fraud and blatant fleecing. Why would you think "unregulated money transfer services" would be any better than regulated ones? I don't see any problem they're not solving currently that having a "freer" market would solve; in fact, quite the opposite seems to be the case.