Thank you for the answers!
I was also thinking of 2-factor authentication: what good is it for your service? If I understand correctly, with Coinimal my funds go between my 3rd party bank account and my 3rd party wallet. You are just an intermediary, you are not storing my funds. So, why 2FA is needed for such a service? I totally understand it's needed for more traditional exchanges, which are, in effective, e-wallets, hosing my bitcoins and fiat money. But you don't host it. As Bruce Schneier puts it, security is always a trade-off - with usability. If your service is intended to be easy to use, maybe it's not the best to over-complicate it with unnecessary 2FA (even if it's not mandatory, it's not the point). Maybe it's for marketing purposes. But maybe not the best marketing strategy to market something intended to be easy and straightforward with a more complicated thing; I don't know.
- to incentivize users to stay, not to delete their account
- or, simply because they are startups, I understand it takes resources to develop the 'delete account' feature into the app, so startups may simply not put resources into that feature, because (they feel) it doesn't bring in revenue. But, on hte other hand, it builds trust, so, a two-sided story
You seem you don't want to address this. Just interested.