Becoming a money transmitter here in the US is incredibly expensive and the red tape is unmatched.
Perhaps a better choice with a lower barrier of entry would be bill payments with STEEM and SBDs. The regulatory burden and cost as well as compliance with Anti Money Laundering laws and Know Your Customer laws would be lower . It would provide a service similar to what you are attempting to accomplish (creating utility for STEEM and SBDs) without going full tilt out of the gate.
Take a look at what Prosper went through back around the early to mid 2000s when P2P lending was unregulated and the SEC dropped the hammer down on them. I think they told us at that time
Lucky enough you just have to know the right people and get the right backers. its not has hard as people make it out to be. A lot of it is fud, yes its hard in the usa but its 100% doable and really profitable. But we never said where it would be located.