If you're in the UK, you can't buy bitcoin on a centralised exchange until you pass a test. The FCA calls this an "appropriateness assessment", and it’s supposed to prove you understand how risky and volatile it all is. This is a routine bit of friction that UK stackers will be familiar with.

But last week a thought struck me: what if they made you pass a test before opening an ordinary fiat bank account? Prove you understand where your money actually goes, who legally owns it, and how much of it is really protected?

So I built it! Ironically I expect only bitcoiners will be able to pass the test...