I didn't know what a "money transference service" was, and certainly didn't know this service that I didn't know about was highly regulated.

I only created it because I had Google Play Credits that were gifted to me. I built an app to "convert" them to cash for myself. I had never built an app before. I was proud of it and tried to make it pretty and professional and useful for others, and used it as a learning experience. The listing on the Play Store was clear about what it was.

I had to answer questions about what the API was being used for when I signed up for Dwolla (an actual regulated money transference service). I answered honestly. They approved it.

The app sat unused with no downloads for years before someone on Reddit's `r/churning/` posted about it.