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I don't know if it's true either. I often get confirmations from the same number that I want to stop.

While it's true that they must comply with the STOP message, I'm not finding any proof that it must be intercepted before reaching the business.

https://www.cullenllp.com/blog/fcc-adopts-new-tcpa-opt-out-r...

This is not correct, I've worked with an app that had to handle SMS opt-out and we received the STOP message.

This -- Stop is required action, but its passed to the vendor for management -- non-compliance is punishable by loss of shortcode/carrier acceptance.

Things may have changed since, but used to work sending 8m sms messages before breakfast every day to people who subscribed to news, sports scores, etc.

If it is sent as an actual SMS, yes. Not if it goes through Apple messages or whatever.