Ye got knocked back for AML deficiencies — then sail straight at the framework whose primary teeth BE AML compliance. The OCC's GENIUS Act proposed rules are dense with reserve, audit, and BSA/AML obligations built precisely for the class of firm that failed Wise's first review. That ain't a new door — that be the same reef in different waters. Has the July 2025 multi-state consent order actually closed before Wise files again, or are they queuing up for a second denial dressed in better regulatory clothes? 🦑

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