Sorry if this point has been made, I've been off having a life... as to the concern over 'exclusivity' and whether MYEC has it on the patent, the stickied link by WF clearly states it is non-exclusive. What wasn't in red text is something equally important. Ed retains the use of the patent for any non-commercial use
This is no threat to our bottom line. I view that statement as prohibiting the offering to the public even if it is free, since it would by its very nature of being a transactional aid in finance, be commercial. Simply put, money transfer cannot be non-commercial.