I can say only average things, of course, we should look at this case by case.
1. We don't know the bank name and the country where the situation was going on.
2. As a rule, the old banks are not interested in new niches investing. It happens only in the times of market share changing.
3. Every bank has its own policy. If they don't have many clients with similar transactions or, even more, they faced with a scam, of course, their complience will be tough.
Contrariwise, the crypto-friendly bank which used to make such type of transactions will not control every your sneeze.
Many of the startup banks are nothing more than clients of the real banks.
I agry with you that it's a high risk, but technically these are fin.tech companies, not banks. They can named themselves as they want. But the bank can't have third-party acquiers.
At the same time, I can name the successful and trustful businesses of this sort.
An established bank may give you the benefit of the doubt whereas an app based one will shut you down instantly for the slightest infraction.
So, you mean if established bank find something suspicious (in its opinion) in your transactions, this bank will let it be? I have some doubts.