I've used Cash app and have been pleased with it. No issues except for some amount limitations which increase through use. Swann locked up my bitcoin for nine days before I could move it into cold storage which is ridiculous and worse than a bank that has to have 3 days for a deposited check to clear before you can use the funds.

Yeah, I get that. But in Brazil, you can convert about $7,000 per month from Bitcoin to fiat without paying tax and without even informing the Ministry of Finance. I was below that limit. And as far as I know, there is no law yet that makes coinjoins illegal. So, I don’t see the regulatory risk they were taking; hence why I asked. And not answering my question about it is just not cool. Jack positions his company as the "cool Bitcoin company," whereas in reality, it looks like they are proactively compliant cowards.

Also, I‘m using Binance in the same way (except of buying gift cards) too and I never had a problem with them.