@pwaring
I'm not sure I get you. I use an open source Twitter client which lets me provide my own API key. A bunch of apps work like that - open source & BYOK.
For a service like this, they need to know who is sending the information. So either you need to go through KYC and get your own key - or let someone else attest.
Anyway, I don't think there's anything stopping an individual from getting their own API key. And there are open source filing tools like https://accountsmachine.io/
pwaring