In November 2013, XRP II rejected an approximately $32,000.00 transaction
because it doubted the legitimacy of the overseas customers source of funds.
XRP II failed to file a suspicious activity report for this transaction; and
On September 30, 2013, XRP II negotiated an approximately $250,000.00
transaction by email for a sale of XRP virtual currency with a third-party
individual.
Do you notice the REJECTED 32 000$ for XRP and 250 000$ ??
If one individual buys 32k and another 250k (the reason Ripple got fined by FINCEN) and they decline the transaction, because the customer didn`t supply know your customer (KYC) .