People already launder money with gift cards. Further laundering it through apps whose merchant accounts are registered to real human beings, because of Know Your Customer laws, ruins the laundering aspect. There's no reason to go through additional de-anonymizing steps via apps once you've got or sold gift cards.
That is where the “Earn $XXX/mo for doing nothing” scams come in. The victim would be effectively laundering the money from any KYC. The victim would not be sophisticated enough to point law enforcement your way. So the chain would be gift card->app->patsy->you.
