dude thanks for this insight. my guess is that they are using digital looking to trace and flag objectionable transactions which negate the need to kyc. offgrid is also kyc free and they say they don't track and trace but they do use AI to watch etc.
honestly topping up with xmr is ok but what you really want is the option to move xmr on off and to hold in xmr. i still come back to the basics, two dudes taping their phones via QR or in person. don't need visa actually.

thanks for this reply I think it was super helpful.