the problem i see many times is that people wanting business accounts, do not want to do KYC. and that is the issue. even if you stick below the EU wire transmission limits to not need a licence. still do KYC.
if you dont want to do KYC then you dont want to handle the bankers patented product (FIAT). remember FIAT is not your property. its just an IOU of something that the banks OWN. you simply have to follow the financial rules if you want to handle their product.
which is why we love bitcoin,.. the day when we can buy groceries and pay our rent without the headache of banking will be the best day ever.
It's not always about KYC.
London Gold Exchange had some of the strictest KYC requirements and they still had their UK banks closed.
Other than that your webcam idea is too much friction. Customers will just go elsewhere.