I completely understand your concern regarding "anonymous team" but i believe you already know the answer to that question why is it like this.
about the merchants yes we already have a list of merchant, other than that I myself owns supplements and e-vape business, other then that I am owner of a Digital Agency, and I am in good relation with other similar high risk business owners too, and they loved the solution when I discuss with them, as being an owner of a high risk business I completely understand the problems merchants have through out the year, that how i came up with this solution with my team.