Really... What's going on here Josh!  Your lawyers are misleading you.  Even at conservative CoinBase as a fully certified BtC <> Fiat buyer/seller up to 50 BtC/day: NO PHOTO ID, last 4 digits of SSN#, random identifying questions from a database!  That's ALL.  And that's FULLY FINCEN compliant dealing with US dollars!  Josh, man; I'd love to use your service.