Traditional bank accounts and contracts

It is a funny thing about bank accounts with on line transfer. How often does the bank check your fingerprint?     

So, the customer gets an account via shoe leather at the bank, and is OKed for online account shifting.  The customer then goes straight down to the sandbox office and opens the new online account, gives the passcode, secretly to a bot, and leaves a written contract with the sandbox officer to put in the files.

The bot is my bot, guaranteed to be honest in the sandbox, and secure with my account (t has already changed passcodes). My bot digital bearer cash.

What law did I break?  I did nothing more than  run my account through a spreadsheet on my computer. I have not, yet, altered my account, though my bot is instructed to clear banks accounts sooner or later.

Government will regulate to prevent money laundering, but they cannot stop my bot without warrant and evidence.

They can get me for coining money, and I dunno how that will work. But the central banks have a step one here, four day digital bearer cash to licensed auto brokers. That will make their day, and it is simple, the member bank locks the account at zero interest for four days, and issues the public key for the cash.

The bots know the rules, the consortia of licensed brokers will aggregate and clear all the cash bits and pieces. This seems to be an immediate step to me, given what the industry is about to do.