Everything I have read about it is bad.. I researched for hours and all I can ever find is how criminals use it to launder money from stolen ************ and transfer drug money from country to country. It's sad because to me it seems so complicated to use and everything I have read is kinda confusing. It's definitely not something you read and instantly get. I just wonder how these under ground criminals get it and use it so smoothly under the police radar when an honest man can't even figure out the purpose of it....