I too am an investor in Ivy. I have read the white paper.
I think we all got sucked in thinking they were leading the way with what they are preaching.
But what cyypto/blockchain/payments of the future sources have told me are that they are yrs behind big players like Ripple/Stellar in their banking relationships. And there are endless amounts of Coys out there trying to break into this space. Ivy isn't curing cancer. By the time they get their sh&^%$t together, it will already be done with this KYC/AML stuff.
Ripple are light yrs ahead of this mob!!!
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