The "withdrawing directly to" mixing services language means that people will get their accounts banned for using Swan to pay people who happen to be using coinjoin wallets. Swan is pretty cowardly for banning that.

I personally know that some of my clients use Wasabi because I've gotten paid from Wasabi conjoins multiple times. I've also paid directly to a Wasabi coinjoin multiple times when I've refunded funds to clients too (eg deposits to pre-pay expenses that weren't needed in the end).