Having sapling-only wallets will be cool, and I expect that several of these will be release over the next few weeks with the release of the sapling reference wallet. The problem, however, is that most exchanges and hardware wallets don’t support z-addrs yet, so getting funds into these sapling-only wallets will be hard.
I’ve been thinking it would be cool to have a (centralized) service that only does t-addr -> z-addr. That is, you send it a transparent transaction, and it simply forwards that ZEC to your z-addr.
Does anyone know if this service will count as an “exchange” according to regulators? Will this need a money-transmitter license?