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No, this is akin to building a protocol. The creators of HTTP are not in trouble when someone uses the web for illegal activities.

HTTP is not intrinsically tied to finance, though. This is specifically a protocol for financial transactions, for sure it would fall under AML laws.

I’m sorry but you are mistaken. I think you should research this technology more.

Are you a finance law attorney? This is marketed as a financial protocol. Completely different than HTTP.

An RFC and source code does not constitute participation. That is dharma at this point.