To engage in the business of any of the following: Sale or issuance of payment instruments or stored value primarily for personal, family, or household purposes; or Receiving money or monetary value for transmission or holding funds incidental to transmission within the United States or to locations abroad by any and all means, including payment instrument, stored value, wire, facsimile, or electronic transfer, primarily for personal, family, or household purposes. This includes maintaining control of virtual currency on behalf of others.