Why doesn´t Bitstamp use a 3rd party payment processor?
Why doesn´t Gemini use a 3rd party payment processor?
...

The legit exchanges can get real banking and don´t need to resort to a sketchy
3rd party payment processor from Panama. Take some time and actually
make a Google search for the name of the payment processor. The internet
is filled with scam accusations against this very company (CryptoCapital).

Of course my posts are speculations as of now, but you won´t be able to have
proof until it is too late and the exchanges have been shut down.