Anyone among our stakeholders that has some experience with the legal implications of running an exchange ?
Maybe this guy can answer your questions, Juan Llanos.
His TEDx Talk is interesting "Digital Currencies Like Bitcoin Are Coming (And It's a Good Thing)"
http://www.youtube.com/watch?v=0GL9PTQiqxw
At the 2:03m mark there is a map showing that 53% of adults in the world do not have access to financial services.
A NEM wallet can solve that problem!
He has AML/CFT and Risk Management Credentials
www.contrariancompliance.com/about/
www.cointelegraph.com/post/juan_llanos
www.cointelegraph.com/post/juan_llanos_at_tedxmidatlantic_if_money_doesn_t_flow_life_doesn_t_flow