Well looks like they are building something into the protocol which removes the need for dealing with the feds. I was building a site called Hivefunding but because of the way things ran, I was going to have to be a middleman like Patreon which would have forced me to register my company with the SEC and have a target put on my back, so I tried to find ways around it, which I did using Hivepay, but then they announced the new changes so I just said eh, cool, and now just added the fundraising tag into the Hivelist platform so people can promote fundraisers they may be having and people can pay directly with Hive or Whatever at this point.