Based on the information I've received and have posted here, it seems reasonable to conclude that nobody will get their money until everyone gets their money.

Here's how I draw my conclusion:

All of the refund money, more than $2.8M total, is in a single account at IAFCU and that account is frozen.

KYC is the reason for the current delay.

Roman is collecting everyone's bank information.

If you have less than $3k owed to you, you can give him YOUR bank account information, Roman will do the KYC work on those himself.

If you have more than $3k owed to you, you have to set up an IAFCU account and give him THAT bank account information. IAFCU is doing their own KYC.

At some point Roman will provide IAFCU with a list of accounts to send the money to.

I am guessing, but it seems reasonable to assume that he will wait until he has everyone's info and then will hand over the list to IAFCU to disperse.

If anyone else has kept up with the information coming out and has another idea of how it might go, please share.