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.

I mean people in poor neighborhoods do the same thing with laundry detergent or anything else you can buy with SNAP benefits.

Right but... You've used gift cards before right? The whole point is that you can't convert them to cash. Not only that but Google/Apple gift cards are notorious for being used in fraud.

I guess if you're young...