You mean Moshi (https://github.com/kyutai-labs/moshi)? Since Personaplex is just a finetuned Moshi model.

…who lives in Oregon, in the US.

This is about speech to text, not speech recognition.

You still need a tax accountant in France to register the FTE and file paperwork with the tax office and social insurance.

The bank issues/refusals may have something to do with FATCA. If you have anything to do with the US in terms of taxes, many EU banks don’t want you as their customer. If it’s a subsidiary of a foreign company, then a lot of paperwork is required to prove that the foreign owners actually exist.