{ "name": "Global Solo Banking Access Index", "description": "Which US business banking providers accept non-US-resident founders of US LLCs — evidence-cited matrix across 18 providers and 8 countries of residence. Every cell carries a source URL, evidence tier, and date; absence of evidence is reported as unknown, never inferred.", "license": "https://creativecommons.org/licenses/by/4.0/", "attribution": "Global Solo Banking Access Index, https://www.globalsolo.global/data/banking-access-index", "mined_at": "2026-07-08", "verified_at": "2026-07-08", "methodology": "Two-stage pipeline: (1) per-provider evidence mining restricted to fetchable sources with verbatim quotes; (2) independent adversarial verification that re-fetched every source and discarded claims whose quotes were absent, misread, or overreached (239 of 268 mined claims survived). Country cells are tri-state: explicit_accept / explicit_restrict / no_published_restriction — absence from a prohibited list is never converted into acceptance.", "evidence_tiers": { "T1": "Provider official documentation (help center, terms, published country lists)", "T2": "Provider blog posts or official support statements", "T3": "Dated user reports (forum/Reddit permalinks), unverified by provider" }, "providers": [ { "id": "mercury", "display_name": "Mercury", "website": "https://mercury.com", "provider_type": "fintech", "partner_banks": "Choice Financial Group; Column N.A.", "non_resident_stance": "accepts_non_residents", "entity": { "summary": "Requires a company formed and registered in the US or a US territory with existing or planned US operations; foreign-owned US companies supported. MSBs, adult entertainment, cannabis, internet gambling, trusts excluded.", "evidence": [ { "url": "https://support.mercury.com/hc/en-us/articles/28770467511060-Eligibility-and-requirements-for-opening-a-Mercury-account", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "residency": { "summary": "No US citizenship or residency required to apply, per provider's help center; international applicants may provide a passport as ID; SSN/ITIN not listed among required application documents.", "ssn_itin": "passport_sufficient", "evidence": [ { "url": "https://support.mercury.com/hc/en-us/articles/28770467511060-Eligibility-and-requirements-for-opening-a-Mercury-account", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://support.mercury.com/hc/en-us/articles/28770957425172-Gathering-your-documents", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "rails": { "summary": "Demand deposit accounts with own routing and account numbers at partner banks Choice Financial Group and Column N.A.; customers hold direct contractual agreements with the partner banks.", "rails_type": "own_ach_dda", "evidence": [ { "url": "https://mercury.com/faq", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://mercury.com/blog/how-mercury-works-with-partner-banks", "tier": "T2", "date": "2025-03-11 (page includes April 2026 update; accessed 2026-07-08)" } ] }, "fdic": { "summary": "Not an FDIC-insured bank; pass-through FDIC insurance via Choice Financial Group and Column N.A. and their Sweep Program Network Banks. OCC conditional approval (April 2026) for Mercury to establish its own chartered bank is pending.", "evidence": [ { "url": "https://mercury.com/faq", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://mercury.com/blog/how-mercury-works-with-partner-banks", "tier": "T2", "date": "2025-03-11 (April 2026 update in body; accessed 2026-07-08)" } ] }, "onboarding": { "summary": "Provider's FAQ states applicants need not be physically in the US or a US resident; required documents are formation documents, IRS EIN document, and photo ID. No in-person or video-KYC step is published.", "remote": "fully_remote", "evidence": [ { "url": "https://mercury.com/faq", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "marketplace": { "summary": "Provider publishes support for marketplace/processor payouts (Shopify, Stripe, Amazon, Etsy) via the account's own account and routing numbers; instant RTP payouts limited to accounts at partner bank Column N.A.", "evidence": [ { "url": "https://support.mercury.com/hc/en-us/articles/43283723809684-Guide-for-Ecommerce", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://support.mercury.com/hc/en-us/articles/39968809104148-Receiving-real-time-payments-RTP", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "restricted_list_url": "https://support.mercury.com/hc/en-us/articles/28771710754580-Prohibited-countries", "countries": { "india": { "status": "no_published_restriction", "note": "Not on Mercury's published prohibited-country list; no explicit acceptance statement.", "evidence": [ { "url": "https://support.mercury.com/hc/en-us/articles/28771710754580-Prohibited-countries", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "china": { "status": "no_published_restriction", "note": "Not on Mercury's published prohibited-country list; no explicit acceptance statement.", "evidence": [ { "url": "https://support.mercury.com/hc/en-us/articles/28771710754580-Prohibited-countries", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "uk": { "status": "no_published_restriction", "note": "Not on Mercury's published prohibited-country list; no explicit acceptance statement.", "evidence": [ { "url": "https://support.mercury.com/hc/en-us/articles/28771710754580-Prohibited-countries", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "canada": { "status": "no_published_restriction", "note": "Not on Mercury's published prohibited-country list; no explicit acceptance statement.", "evidence": [ { "url": "https://support.mercury.com/hc/en-us/articles/28771710754580-Prohibited-countries", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "pakistan": { "status": "explicit_restrict", "note": "On Mercury's published prohibited-countries list; founders/financial controllers living there cannot be supported, per provider.", "evidence": [ { "url": "https://support.mercury.com/hc/en-us/articles/28771710754580-Prohibited-countries", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "nigeria": { "status": "explicit_restrict", "note": "On Mercury's published prohibited-countries list; founders/financial controllers living there cannot be supported, per provider.", "evidence": [ { "url": "https://support.mercury.com/hc/en-us/articles/28771710754580-Prohibited-countries", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "turkey": { "status": "no_published_restriction", "note": "Not on Mercury's published prohibited-country list; no explicit acceptance statement.", "evidence": [ { "url": "https://support.mercury.com/hc/en-us/articles/28771710754580-Prohibited-countries", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "brazil": { "status": "no_published_restriction", "note": "Not on Mercury's published prohibited-country list; no explicit acceptance statement.", "evidence": [ { "url": "https://support.mercury.com/hc/en-us/articles/28771710754580-Prohibited-countries", "tier": "T1", "date": "accessed 2026-07-08" } ] } }, "caveats": [ "Country entries marked 'no published restriction' reflect absence from Mercury's prohibited-countries list only; Mercury states eligibility is determined following a full review of each application, and no page affirms acceptance for any specific residence country.", "Mercury's published residence restrictions are stated for founders and financial controllers; no published statement addresses a passive 25%+ beneficial owner resident in a prohibited country.", "Registered agent addresses, P.O. boxes, and UPS Store addresses are not accepted for the company's principal place of business; residential addresses are accepted.", "Partner-bank structure is in transition: OCC conditional approval (April 2026) for Mercury's own bank charter is pending, and one FAQ section still names former partner Evolve Bank & Trust; the FDIC entry reflects the Choice/Column structure as of 2026-07-08.", "No published statement addresses video-KYC or personal proof-of-address requirements for individual owners; the remote-onboarding entry rests on the provider's statement that physical US presence is not required." ] }, { "id": "relay", "display_name": "Relay", "website": "https://relayfi.com", "provider_type": "fintech", "partner_banks": "Thread Bank; Community Federal Savings Bank (international payments, facilitated by Nium)", "non_resident_stance": "conditional", "entity": { "summary": "Requires a US-registered entity with a US operating presence; foreign-owned US LLCs accepted per provider's help center. LLC applications require an EIN and a physical US business address.", "evidence": [ { "url": "https://support.relayfi.com/hc/en-us/articles/38049251551636-Required-Documents-to-Open-a-Relay-Account-by-Entity-Type", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "residency": { "summary": "SSN or passport number accepted; non-US citizens verify identity with passport only, per provider's help center. The same page states the owner's personal address is a physical US address; ITIN is not mentioned.", "ssn_itin": "passport_sufficient", "evidence": [ { "url": "https://support.relayfi.com/hc/en-us/articles/38049251551636-Required-Documents-to-Open-a-Relay-Account-by-Entity-Type", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "rails": { "summary": "Business checking with its own account and routing number at partner Thread Bank, supporting ACH transfers, wires, and checks. International payments are provided by Community Federal Savings Bank, facilitated by Nium.", "rails_type": "own_ach_dda", "evidence": [ { "url": "https://relayfi.com/faqs/", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "fdic": { "summary": "Relay is a financial technology company, not an FDIC-insured bank; deposits are held at Thread Bank, Member FDIC, with pass-through coverage extendable up to $3,000,000 via Thread Bank's program-bank deposit sweep.", "evidence": [ { "url": "https://relayfi.com/faqs/", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "onboarding": { "summary": "Per a provider blog post, non-residents from many countries can open an account online from overseas, providing passport, a physical US address, company details, and income and source-of-funds information.", "remote": "fully_remote", "evidence": [ { "url": "https://relayfi.com/blog/how-to-incorporate-a-us-llc-as-a-non-resident/", "tier": "T2", "date": "accessed 2026-07-08" } ] }, "marketplace": null, "restricted_list_url": "https://support.relayfi.com/hc/en-us/articles/10239600121748-Prohibited-Countries", "countries": { "india": { "status": "no_published_restriction", "note": "Not on Relay's published prohibited-country list; no explicit acceptance statement.", "evidence": [ { "url": "https://relayfi.com/faqs/", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://support.relayfi.com/hc/en-us/articles/10239600121748-Prohibited-Countries", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "china": { "status": "no_published_restriction", "note": "Not on Relay's published prohibited-country list; no explicit acceptance statement.", "evidence": [ { "url": "https://relayfi.com/faqs/", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://support.relayfi.com/hc/en-us/articles/10239600121748-Prohibited-Countries", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "uk": { "status": "explicit_accept", "note": "Explicitly named in Relay's FAQ list of supported owner countries, conditioned on the business having a US operating presence.", "evidence": [ { "url": "https://relayfi.com/faqs/", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "canada": { "status": "explicit_accept", "note": "Explicitly named in Relay's FAQ list of supported owner countries, conditioned on the business having a US operating presence.", "evidence": [ { "url": "https://relayfi.com/faqs/", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "pakistan": { "status": "explicit_restrict", "note": "Listed on Relay's published prohibited-countries list; the restriction applies to citizenship or residency.", "evidence": [ { "url": "https://support.relayfi.com/hc/en-us/articles/10239600121748-Prohibited-Countries", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "nigeria": { "status": "explicit_restrict", "note": "Listed on Relay's published prohibited-countries list; the restriction applies to citizenship or residency.", "evidence": [ { "url": "https://support.relayfi.com/hc/en-us/articles/10239600121748-Prohibited-Countries", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "turkey": { "status": "no_published_restriction", "note": "Not on Relay's published prohibited-country list; no explicit acceptance statement.", "evidence": [ { "url": "https://relayfi.com/faqs/", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://support.relayfi.com/hc/en-us/articles/10239600121748-Prohibited-Countries", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "brazil": { "status": "no_published_restriction", "note": "Not on Relay's published prohibited-country list; no explicit acceptance statement.", "evidence": [ { "url": "https://relayfi.com/faqs/", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://support.relayfi.com/hc/en-us/articles/10239600121748-Prohibited-Countries", "tier": "T1", "date": "accessed 2026-07-08" } ] } }, "caveats": [ "Relay's prohibited-countries list applies to citizenship or residency: a resident of a non-listed country who holds citizenship of a listed country falls under the restriction.", "The prohibited-countries list is set by Relay's banking partner and displays no publication or update date; it can change without notice.", "Relay's help center states each beneficial owner's personal address is a physical US address, while also stating it accepts owners based outside the US; Relay's published pages do not reconcile the two statements.", "The remote-onboarding description comes from a provider marketing blog post, not the help center; no in-person or video-KYC requirement is published either way.", "ITIN is not mentioned on Relay's published pages; the stated identifiers are SSN or passport number." ] }, { "id": "wise-business", "display_name": "Wise Business", "website": "https://wise.com", "provider_type": "fintech", "partner_banks": null, "non_resident_stance": "conditional", "entity": { "summary": "Per Wise's help center, US business verification requires business name, company type, EIN, and a physical trading address (not registered-agent or virtual). Nevada and US-territory entities cannot onboard.", "evidence": [ { "url": "https://wise.com/help/articles/2953878/verify-your-us-business", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "residency": { "summary": "Non-US beneficial owners are asked for a photo ID copy, not an SSN; SSN applies to owners resident in the US or holding a US passport. SSN/ITIN is tied to living in the US; non-US citizens are asked for a non-US ID.", "ssn_itin": "passport_sufficient", "evidence": [ { "url": "https://wise.com/help/articles/2953878/verify-your-us-business", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://wise.com/help/articles/2747380/getting-verified-in-the-us", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "rails": { "summary": "Wise states USD account details are not a bank account: an own account and routing number (ending 3150, 9519, or 9628) presenting as Checking, with incoming payments processed by an unnamed partner institution.", "rails_type": "virtual_or_fbo", "evidence": [ { "url": "https://wise.com/help/articles/2827506/how-do-i-use-my-usd-account-details", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "fdic": { "summary": "Wise is a Money Services Business, not an FDIC-insured bank. Pass-through FDIC coverage (up to 250,000 USD; Program Bank JPMorgan Chase) applies only via opt-in to the interest feature, gated to US-based customers.", "evidence": [ { "url": "https://wise.com/us/blog/is-wise-fdic-insured", "tier": "T2", "date": "2024-11-26 (page dated 26.11.24, 'updated more than 1 year ago')" } ] }, "onboarding": { "summary": "Identity verification is document-based per Wise's help articles (photo ID; ID plus selfie as a fallback), with no in-person step described. Wise publishes no explicit fully-remote statement.", "remote": "fully_remote", "evidence": [ { "url": "https://wise.com/help/articles/2747380/getting-verified-in-the-us", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "marketplace": { "summary": "Per Wise's help center, USD account details can be linked to Amazon US (local payouts only) and Stripe (USD among 14 payout currencies); ACH receiving is free, with limits starting at 20 million USD.", "evidence": [ { "url": "https://wise.com/help/articles/2968914/how-do-i-receive-money-from-amazon-with-wise", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://wise.com/help/articles/2977935/how-do-i-receive-money-from-stripe-with-wise", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://wise.com/help/articles/2827506/how-do-i-use-my-usd-account-details", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "restricted_list_url": "https://wise.com/help/articles/2810318/can-i-get-usd-account-details", "countries": { "india": { "status": "explicit_restrict", "note": "Not in Wise's main hold-money residence list; a published note limits India residents to holding money when travelling overseas. Not on the USD-blocked list.", "evidence": [ { "url": "https://wise.com/help/articles/2813542/where-do-i-need-to-live-to-hold-money-with-wise", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "china": { "status": "explicit_restrict", "note": "On Wise's published USD-details unavailable list; China is on the hold-money residence list, so balances can be held but USD account details are unavailable.", "evidence": [ { "url": "https://wise.com/help/articles/2810318/can-i-get-usd-account-details", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "uk": { "status": "explicit_accept", "note": "On Wise's published hold-money residence list; not on the USD-details unavailable list.", "evidence": [ { "url": "https://wise.com/help/articles/2813542/where-do-i-need-to-live-to-hold-money-with-wise", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://wise.com/help/articles/2810318/can-i-get-usd-account-details", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "canada": { "status": "explicit_accept", "note": "On Wise's hold-money residence list; not on the USD-details unavailable list. ACH receiving carries a small fee for Canada-based businesses.", "evidence": [ { "url": "https://wise.com/help/articles/2813542/where-do-i-need-to-live-to-hold-money-with-wise", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://wise.com/help/articles/2810318/can-i-get-usd-account-details", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "pakistan": { "status": "explicit_restrict", "note": "On Wise's published USD-details unavailable list; also absent from the supported hold-money residence list.", "evidence": [ { "url": "https://wise.com/help/articles/2810318/can-i-get-usd-account-details", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "nigeria": { "status": "explicit_restrict", "note": "On Wise's published USD-details unavailable list; also absent from the supported hold-money residence list.", "evidence": [ { "url": "https://wise.com/help/articles/2810318/can-i-get-usd-account-details", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "turkey": { "status": "explicit_restrict", "note": "On Wise's published USD-details unavailable list (as Türkiye); also absent from the supported hold-money residence list.", "evidence": [ { "url": "https://wise.com/help/articles/2810318/can-i-get-usd-account-details", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "brazil": { "status": "explicit_restrict", "note": "Wise's residence list states Brazil residents can hold BRL only; Brazil is not on the USD-details unavailable list.", "evidence": [ { "url": "https://wise.com/help/articles/2813542/where-do-i-need-to-live-to-hold-money-with-wise", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://wise.com/help/articles/2810318/can-i-get-usd-account-details", "tier": "T1", "date": "accessed 2026-07-08" } ] } }, "caveats": [ "FDIC-related details (Program Bank JPMorgan Chase, interest-feature eligibility) come from a Wise blog dated 2024-11-26 that the page itself marks as updated more than a year ago; current Program Agreement terms may differ.", "The exclusion of non-US residents from FDIC pass-through coverage is derived from Wise's published interest-feature eligibility criteria (US-based customer, US profile address, verified SSN/EIN), not from a Wise statement addressing non-residents directly.", "Country entries are based on Wise's published residence lists for holding money and for USD account details; Wise does not publish a single rule on the owner's country of residence for opening a US-entity business account.", "Wise publishes no explicit statement that onboarding is fully remote; the ID-plus-selfie option is described as a fallback when an SSN or ITIN is not accepted, and the absence of an in-person step was checked only on the reviewed help articles.", "Wise does not name the partner institution behind its USD routing numbers in its help center.", "The trading address for US business verification cannot be a registration agency, mail-forwarding service, or virtual address; a proof-of-address document is requested." ] }, { "id": "payoneer", "display_name": "Payoneer", "website": "https://www.payoneer.com", "provider_type": "fintech", "partner_banks": null, "non_resident_stance": "accepts_non_residents", "entity": { "summary": "No US entity or EIN required to open an account; applicants register as an individual or as a company registered in their own country, per the provider's signup FAQ. No published statement on foreign-owned US LLCs.", "evidence": [ { "url": "https://payoneer.custhelp.com/app/answers/detail/a_id/30809/~/signing-up-to-payoneer-faq", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "residency": { "summary": "Documented verification accepts a national ID, driver's license, or passport plus proof of address; SSN and ITIN do not appear in published requirements (absence-based reading of the help-center FAQ).", "ssn_itin": "passport_sufficient", "evidence": [ { "url": "https://payoneer.custhelp.com/app/answers/detail/a_id/34658/~/document-verification-%E2%80%93-faq", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "rails": { "summary": "USD receiving account is a virtual collection account with ABA routing and account numbers, accepting ACH credits only with no outbound transfers; per the provider's help center it \"is not a bank account.\"", "rails_type": "virtual_or_fbo", "evidence": [ { "url": "https://www.boletomachupicchu.com/gutblt/TermsPayoneerUSPaymentService.pdf", "tier": "T1", "date": "document © 2005-2013, accessed 2026-07-08" }, { "url": "https://payoneer.custhelp.com/app/answers/detail/a_id/18786/~/receiving-accounts---faq", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "fdic": { "summary": "Provider terms state US Payment Service funds are not FDIC-insured; the live help center corroborates the account is not a bank account. The sourced terms document dates to 2005-2013; current terms are login-gated.", "evidence": [ { "url": "https://www.boletomachupicchu.com/gutblt/TermsPayoneerUSPaymentService.pdf", "tier": "T1", "date": "document © 2005-2013, accessed 2026-07-08" }, { "url": "https://payoneer.custhelp.com/app/answers/detail/a_id/18786/~/receiving-accounts---faq", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "onboarding": { "summary": "Online signup with document upload via the in-account Verification Center; no in-person step appears in published requirements, per the provider's help center.", "remote": "fully_remote", "evidence": [ { "url": "https://payoneer.custhelp.com/app/answers/detail/a_id/34658/~/document-verification-%E2%80%93-faq", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "marketplace": { "summary": "Provider's official China site states Payoneer connects with over 2,000 cross-border e-commerce platforms and networks for seller payment collection.", "evidence": [ { "url": "https://www.payoneer.com.cn/", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "restricted_list_url": null, "countries": { "india": { "status": "explicit_accept", "note": "Official India resource hub for receiving international payments; hub-inferred, no explicit eligibility statement.", "evidence": [ { "url": "https://www.payoneer.com/resources/country-guides/india/", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "china": { "status": "explicit_accept", "note": "Official Chinese site payoneer.com.cn targets China-based cross-border sellers, trading companies, and individuals.", "evidence": [ { "url": "https://www.payoneer.com.cn/", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "uk": { "status": "explicit_accept", "note": "Official UK resource hub including business-account content; hub-inferred, no explicit eligibility statement.", "evidence": [ { "url": "https://www.payoneer.com/resources/country-guides/uk/", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "canada": { "status": "explicit_accept", "note": "Registered with Bank of Canada; services provided except Quebec — no services to Quebec-registered businesses or Quebec billing addresses.", "evidence": [ { "url": "https://payoneer.custhelp.com/app/answers/detail/a_id/45282/~/payoneer-canada-license-faq", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "pakistan": { "status": "explicit_accept", "note": "Official step-by-step individual and company account-opening guides for Pakistan; HBL real-time withdrawal partnership.", "evidence": [ { "url": "https://www.payoneer.com/resources/country-guides/pakistan/", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "nigeria": { "status": "unknown", "note": "No published country-level policy found.", "evidence": [] }, "turkey": { "status": "unknown", "note": "No published country-level policy found.", "evidence": [] }, "brazil": { "status": "unknown", "note": "Marketing-hub content references Brazil but no eligibility statement found; not counted as acceptance.", "evidence": [ { "url": "https://www.payoneer.com/resources/country-guides/", "tier": "T2", "date": "accessed 2026-07-08" } ] } }, "caveats": [ "Payoneer receiving accounts are payment-collection accounts, not US bank accounts; the USD account details accept ACH credits only, and funds are not FDIC-insured.", "The not-FDIC-insured and ACH-credit-only statements derive from a Payoneer terms document dated 2005-2013 hosted on a third-party mirror; current service terms are viewable only after account login, so supersession is possible.", "No-SSN/ITIN, no-US-entity, and fully-remote statements are inferred from the absence of such requirements in provider help-center FAQs, which are summaries rather than exhaustive requirement lists.", "Payoneer states some countries and territories cannot register but publishes no restricted-country list; its 'Supported countries' help answer has been removed, so country eligibility is confirmed only in the signup flow.", "India, China, and UK acceptance is inferred from official country resource hubs and localized sites rather than eligibility policy statements; Pakistan and Canada carry explicit account-opening or licensing pages.", "The identity of the current US partner bank(s) behind the USD receiving account is not confirmed in provider-published sources." ] }, { "id": "brex", "display_name": "Brex", "website": "https://www.brex.com", "provider_type": "fintech", "partner_banks": "Column N.A.", "non_resident_stance": "conditional", "entity": { "summary": "Requires a US-formed entity with a US EIN and US operations per provider's support page; the legal FAQ lists LLCs among accepted entity types; foreign-owned single-member LLCs are not specifically addressed.", "evidence": [ { "url": "https://www.brex.com/support/brex-account-requirements", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://www.brex.com/legal/commonly-asked-questions", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "residency": { "ssn_itin": "passport_sufficient", "summary": "Passport number and country of issuance accepted in place of an SSN for individuals, per provider's legal FAQ; passports accepted as KYC photo ID; ITIN is not mentioned on any fetched provider page.", "evidence": [ { "url": "https://www.brex.com/legal/commonly-asked-questions", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://www.brex.com/support/submitting-an-application", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "rails": { "rails_type": "own_ach_dda", "summary": "Checking is a commercial checking account at partner bank Column N.A. with its own routing number (121145349) for inbound ACH and wires; treasury and vault are separate Brex Treasury LLC cash-management services.", "evidence": [ { "url": "https://www.brex.com/support/the-brex-business-account", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "fdic": { "summary": "Brex is not a bank. Checking carries FDIC coverage up to $250,000 through Column N.A.; vault funds are swept to program banks for up to $6M in pass-through coverage, per provider's support page.", "evidence": [ { "url": "https://www.brex.com/support/the-brex-business-account", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "onboarding": { "remote": "fully_remote", "summary": "Application described as fully online per provider's support page: EIN verification letter (CP 575 or 147-C), formation documents if not sourced from state databases, passport accepted as ID; no in-person step published.", "evidence": [ { "url": "https://www.brex.com/support/submitting-an-application", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://www.brex.com/journal/brex-partners-with-stripe-atlas", "tier": "T2", "date": "accessed 2026-07-08" } ] }, "marketplace": { "summary": "Account receives payments via ACH, check, and wire using its Column N.A. account and routing number, per provider's product page; no published statement on Amazon, Stripe, or other marketplace payouts was found.", "evidence": [ { "url": "https://www.brex.com/product/business-account", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "restricted_list_url": "https://www.brex.com/support/domestic-and-international-wires", "countries": { "india": { "status": "unknown", "note": "No published country-level policy found.", "evidence": [] }, "china": { "status": "unknown", "note": "No published country-level policy found.", "evidence": [] }, "uk": { "status": "unknown", "note": "No published country-level policy found.", "evidence": [] }, "canada": { "status": "unknown", "note": "No published country-level policy found; Brex's Canada references cover spend-management employee support, not founder residency.", "evidence": [] }, "pakistan": { "status": "unknown", "note": "No published country-level policy found; Pakistan appears as a supported wire destination, which is not residency evidence.", "evidence": [] }, "nigeria": { "status": "unknown", "note": "No published country-level policy found; Nigeria appears as a supported wire destination, which is not residency evidence.", "evidence": [] }, "turkey": { "status": "unknown", "note": "No published country-level policy found.", "evidence": [] }, "brazil": { "status": "unknown", "note": "No published country-level policy found; Brazil is named for spend-management support, not founder residency.", "evidence": [] } }, "caveats": [ "Brex's support page states all applicants require a US physical address, while its product FAQ accepts a US or international address for the principal place of business but excludes registered-agent, PO box, and UPS box addresses. The two published pages differ on this point.", "The up-to-$6M FDIC figure applies to vault funds swept to program banks; checking coverage is up to $250,000 at Column N.A., and treasury funds are invested in a money market fund that is not FDIC insured.", "The linked restricted-country list governs wire transfers, not founder residency; the page states the list is subject to change and lists 'Macedonia', a country name retired in 2019. Brex publishes no founder-residency country list.", "The statement that Brex serves non-US founders draws in part on a provider blog post about the Stripe Atlas partnership dated June 2024; no newer published statement on this was found.", "The legal FAQ's entity-type list appears under card-product qualification criteria rather than as a banking-specific eligibility statement." ] }, { "id": "novo", "display_name": "Novo", "website": "https://www.novo.co", "provider_type": "fintech", "partner_banks": "Middlesex Federal Savings, F.A.", "non_resident_stance": "us_persons_only", "entity": { "summary": "Per provider's help center, accounts open only for business owners who reside within the US, and the business is required to be registered in the US.", "evidence": [ { "url": "https://novo.zendesk.com/hc/en-us/articles/360043805811-Is-Novo-available-for-businesses-or-owners-outside-of-the-United-States", "tier": "T1", "date": "accessed 2026-07-08 (article shows 'Updated 4 months ago' ≈ 2026-03)" } ] }, "residency": { "summary": "Per provider's help center, SSN, US residential address, and US cell phone number are required for all applicants; beneficial owners above 25% ownership also provide an SSN. No ITIN or passport substitute is stated.", "ssn_itin": "ssn_required", "evidence": [ { "url": "https://novo.zendesk.com/hc/en-us/articles/360043805811-Is-Novo-available-for-businesses-or-owners-outside-of-the-United-States", "tier": "T1", "date": "accessed 2026-07-08 (article shows 'Updated 4 months ago' ≈ 2026-03)" }, { "url": "https://novo.zendesk.com/hc/en-us/articles/360056200171-What-if-my-business-partner-does-not-have-an-SSN", "tier": "T1", "date": "accessed 2026-07-08 (article shows 'Updated 2 years ago')" } ] }, "rails": { "summary": "Accounts carry ACH routing number 211370150 with a unique account number; deposit account services are provided by partner bank Middlesex Federal Savings, F.A. Novo states it is a fintech, not a bank.", "rails_type": "own_ach_dda", "evidence": [ { "url": "https://novo.zendesk.com/hc/en-us/articles/360043409731-Where-can-I-find-my-account-and-routing-numbers", "tier": "T1", "date": "accessed 2026-07-08 (article shows 'Updated 4 months ago' ≈ 2026-03)" } ] }, "fdic": { "summary": "Per provider, deposits are held by Middlesex Federal Savings, F.A. (Member FDIC) and insured up to $250,000. Single sponsor bank; no multi-bank sweep program is published.", "evidence": [ { "url": "https://novo.zendesk.com/hc/en-us/articles/360043354292-How-are-my-funds-secure-with-Novo", "tier": "T1", "date": "accessed 2026-07-08 (article shows 'Updated 1 year ago')" } ] }, "onboarding": { "summary": "Fully digital application with no branch visit, per provider. Requires an unexpired US government-issued ID or passport, a US-carrier mobile phone, SSN, and a US address — open to US residents only.", "remote": "fully_remote", "evidence": [ { "url": "https://novo.zendesk.com/hc/en-us/articles/360022599891-What-information-will-I-need-to-provide-in-my-application", "tier": "T1", "date": "accessed 2026-07-08 (article shows 'Updated 4 months ago' ≈ 2026-03)" } ] }, "marketplace": { "summary": "Direct-deposit ACH payouts supported via routing number 211370150 (appears as Middlesex Federal Savings at the payer); Stripe integration with Novo Boost per provider. No published Amazon-payout statement found.", "evidence": [ { "url": "https://novo.zendesk.com/hc/en-us/articles/360043809051-How-can-I-set-up-direct-deposits-into-my-Novo-account", "tier": "T1", "date": "accessed 2026-07-08 (article shows 'Updated 3 years ago')" } ] }, "restricted_list_url": null, "countries": { "india": { "status": "explicit_restrict", "note": "Blanket policy: accounts only for US-resident owners; India is not individually named on any Novo page.", "evidence": [ { "url": "https://novo.zendesk.com/hc/en-us/articles/360043805811-Is-Novo-available-for-businesses-or-owners-outside-of-the-United-States", "tier": "T1", "date": "accessed 2026-07-08 (article shows 'Updated 4 months ago' ≈ 2026-03)" } ] }, "china": { "status": "explicit_restrict", "note": "Blanket policy: accounts only for US-resident owners; China is not individually named on any Novo page.", "evidence": [ { "url": "https://novo.zendesk.com/hc/en-us/articles/360043805811-Is-Novo-available-for-businesses-or-owners-outside-of-the-United-States", "tier": "T1", "date": "accessed 2026-07-08 (article shows 'Updated 4 months ago' ≈ 2026-03)" } ] }, "uk": { "status": "explicit_restrict", "note": "Blanket policy: accounts only for US-resident owners; the UK is not individually named on any Novo page.", "evidence": [ { "url": "https://novo.zendesk.com/hc/en-us/articles/360043805811-Is-Novo-available-for-businesses-or-owners-outside-of-the-United-States", "tier": "T1", "date": "accessed 2026-07-08 (article shows 'Updated 4 months ago' ≈ 2026-03)" } ] }, "canada": { "status": "explicit_restrict", "note": "Blanket policy: accounts only for US-resident owners; Canada is not individually named on any Novo page.", "evidence": [ { "url": "https://novo.zendesk.com/hc/en-us/articles/360043805811-Is-Novo-available-for-businesses-or-owners-outside-of-the-United-States", "tier": "T1", "date": "accessed 2026-07-08 (article shows 'Updated 4 months ago' ≈ 2026-03)" } ] }, "pakistan": { "status": "explicit_restrict", "note": "Blanket policy: accounts only for US-resident owners; Pakistan is not individually named on any Novo page.", "evidence": [ { "url": "https://novo.zendesk.com/hc/en-us/articles/360043805811-Is-Novo-available-for-businesses-or-owners-outside-of-the-United-States", "tier": "T1", "date": "accessed 2026-07-08 (article shows 'Updated 4 months ago' ≈ 2026-03)" } ] }, "nigeria": { "status": "explicit_restrict", "note": "Blanket policy: accounts only for US-resident owners; Nigeria is not individually named on any Novo page.", "evidence": [ { "url": "https://novo.zendesk.com/hc/en-us/articles/360043805811-Is-Novo-available-for-businesses-or-owners-outside-of-the-United-States", "tier": "T1", "date": "accessed 2026-07-08 (article shows 'Updated 4 months ago' ≈ 2026-03)" } ] }, "turkey": { "status": "explicit_restrict", "note": "Blanket policy: accounts only for US-resident owners; Turkey is not individually named on any Novo page.", "evidence": [ { "url": "https://novo.zendesk.com/hc/en-us/articles/360043805811-Is-Novo-available-for-businesses-or-owners-outside-of-the-United-States", "tier": "T1", "date": "accessed 2026-07-08 (article shows 'Updated 4 months ago' ≈ 2026-03)" } ] }, "brazil": { "status": "explicit_restrict", "note": "Blanket policy: accounts only for US-resident owners; Brazil is not individually named on any Novo page.", "evidence": [ { "url": "https://novo.zendesk.com/hc/en-us/articles/360043805811-Is-Novo-available-for-businesses-or-owners-outside-of-the-United-States", "tier": "T1", "date": "accessed 2026-07-08 (article shows 'Updated 4 months ago' ≈ 2026-03)" } ] } }, "caveats": [ "All eight country restrictions derive from Novo's blanket statement that accounts open only for US-resident owners of US-registered businesses; no country is individually named on any Novo page.", "Novo's marketing requirements page carries a generic industry-checklist line mentioning 'passport and ITIN for non-U.S. owners'; the help-center policy pages state SSN and US residency are required. The marketing line describes the industry generally, not Novo's own acceptance policy.", "Novo publishes no per-country account-eligibility list. A separate, unpublished country list exists for blocking card transactions; it is distinct from the account-opening policy stated here.", "Novo does not publish whether the account structure is a direct deposit account or a pooled/custodial arrangement; its pages state only that deposits are held by Middlesex Federal Savings, F.A. and insured up to $250,000.", "The direct-deposit setup article was last updated roughly three years ago; the routing number it lists is corroborated by a help-center article updated within the last four months." ] }, { "id": "bluevine", "display_name": "Bluevine", "website": "https://www.bluevine.com", "provider_type": "fintech", "partner_banks": "Coastal Community Bank", "non_resident_stance": "conditional", "entity": { "summary": "Requires a US-registered LLC or Corporation with a valid EIN for international owners; the provider states other tax IDs do not suffice for its application \"right now\", per the help center.", "evidence": [ { "url": "https://www.bluevine.com/us-business-banking-features-for-international-owners", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://www.bluevine.com/help-center/getting-started/how-to-apply-business-checking-account", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "residency": { "summary": "Residents of supported countries apply with a valid passport instead of an SSN, plus a US legal address (physical or non-physical); US applicants provide an SSN. ITIN is not addressed for checking eligibility.", "ssn_itin": "conditional", "evidence": [ { "url": "https://www.bluevine.com/faq", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://support.bluevine.com/s/article/How-do-I-apply-for-a-Bluevine-Business-Checking-Account", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "rails": { "summary": "Checking account carries its own ACH routing number (125109019); banking services are provided by Coastal Community Bank, Member FDIC, per provider's help center.", "rails_type": "own_ach_dda", "evidence": [ { "url": "https://support.bluevine.com/s/article/How-do-I-share-Bluevine-s-routing-number-with-other-banks-and-vendors", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "fdic": { "summary": "FDIC insurance up to $3,000,000 per depositor on a pass-through basis through Coastal Community Bank, Member FDIC, and its sweep-network program banks; Bluevine is not itself the chartered bank.", "evidence": [ { "url": "https://www.bluevine.com/faq", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "onboarding": { "summary": "Online application with passport-based identity verification for international owners; the account is managed remotely and no in-person step appears in the published process.", "remote": "fully_remote", "evidence": [ { "url": "https://www.bluevine.com/us-business-banking-features-for-international-owners", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "marketplace": { "summary": "Provider states the account receives unlimited incoming ACH and domestic wires on a single routing number; no fetched page names marketplace payouts (Amazon, Stripe) as accepted.", "evidence": [ { "url": "https://www.bluevine.com/us-business-banking-features-for-international-owners", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "restricted_list_url": "https://support.bluevine.com/s/article/How-do-I-apply-for-a-Bluevine-Business-Checking-Account", "countries": { "india": { "status": "explicit_accept", "note": "Named on Bluevine's published supported-country list for international business owners.", "evidence": [ { "url": "https://support.bluevine.com/s/article/How-do-I-apply-for-a-Bluevine-Business-Checking-Account", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "china": { "status": "unknown", "note": "Not named on the published supported-country list; the list is non-exhaustive ('including') and subject to change. No explicit policy found.", "evidence": [ { "url": "https://support.bluevine.com/s/article/How-do-I-apply-for-a-Bluevine-Business-Checking-Account", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "uk": { "status": "explicit_accept", "note": "Named on Bluevine's published supported-country list for international business owners.", "evidence": [ { "url": "https://support.bluevine.com/s/article/How-do-I-apply-for-a-Bluevine-Business-Checking-Account", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "canada": { "status": "explicit_accept", "note": "Named on Bluevine's published supported-country list for international business owners.", "evidence": [ { "url": "https://support.bluevine.com/s/article/How-do-I-apply-for-a-Bluevine-Business-Checking-Account", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "pakistan": { "status": "unknown", "note": "Not named on the published supported-country list; the list is non-exhaustive ('including') and subject to change. No explicit policy found.", "evidence": [ { "url": "https://support.bluevine.com/s/article/How-do-I-apply-for-a-Bluevine-Business-Checking-Account", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "nigeria": { "status": "unknown", "note": "Not named on the published supported-country list; the list is non-exhaustive ('including') and subject to change. No explicit policy found.", "evidence": [ { "url": "https://support.bluevine.com/s/article/How-do-I-apply-for-a-Bluevine-Business-Checking-Account", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "turkey": { "status": "unknown", "note": "Not named on the published supported-country list; the list is non-exhaustive ('including') and subject to change. No explicit policy found.", "evidence": [ { "url": "https://support.bluevine.com/s/article/How-do-I-apply-for-a-Bluevine-Business-Checking-Account", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "brazil": { "status": "unknown", "note": "Not named on the published supported-country list; the list is non-exhaustive ('including') and subject to change. No explicit policy found.", "evidence": [ { "url": "https://support.bluevine.com/s/article/How-do-I-apply-for-a-Bluevine-Business-Checking-Account", "tier": "T1", "date": "accessed 2026-07-08" } ] } }, "caveats": [ "Bluevine publishes a supported-country allowlist rather than a restricted list; the list is introduced with 'including' and footnoted as subject to change at any time, so absence from the list is not a published restriction.", "Bluevine's two published country lists do not match: the help-center article names 23 countries while the international-owners landing page fetched the same day omits at least Croatia.", "The FAQ permits a 'non-physical' US legal address for international owners, while the help center states P.O. box and mail-service addresses are not accepted; no fetched page reconciles the two statements." ] }, { "id": "found", "display_name": "Found", "website": "https://found.com", "provider_type": "fintech", "partner_banks": "Lead Bank", "non_resident_stance": "us_persons_only", "entity": { "summary": "US sole proprietors, single/multi-member LLCs (EIN required at opening), corporations, and partnerships supported; foreign-owned entities and entities based outside the US appear on the published prohibited list.", "evidence": [ { "url": "https://found.com/help/getting-started/can-i-have-an-llc", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://found.com/help/using-found/prohibited-businesses", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "residency": { "summary": "Per account terms, available to US citizens or lawful permanent residents with a US physical address; per provider's help center, a valid SSN is required and ITINs are not accepted.", "ssn_itin": "ssn_required", "evidence": [ { "url": "https://found.com/legal/lead-account-terms", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://found.com/help/getting-started/why-do-i-need-an-ssn-for-opening-a-business-account", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://found.com/help/getting-started/can-i-use-found-internationally", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "rails": { "summary": "Account carries its own routing and account number at Lead Bank; account terms describe it as a subaccount of an omnibus account held in the bank's name for the customer's benefit, not a directly titled DDA.", "rails_type": "own_ach_dda", "evidence": [ { "url": "https://found.com/help/using-found/using-your-account-and-routing-number", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://found.com/legal", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "fdic": { "summary": "Pass-through FDIC insurance up to $250,000 per depositor via Lead Bank, Member FDIC; Found is a financial technology company, not a bank. Terms reference deposit placement via the IntraFi network.", "evidence": [ { "url": "https://found.com/legal", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "onboarding": { "summary": "Fully online signup; required information is legal name, US residential address, date of birth, and SSN. No in-person step, passport path, or video-KYC path is documented.", "remote": "fully_remote", "evidence": [ { "url": "https://found.com/help/getting-started/how-to-get-found", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "marketplace": { "summary": "Per provider's help center, payouts from Square, Shopify, Etsy, Stripe, and other online platforms are supported via the account's own account and routing numbers; Amazon is not named on any fetched page.", "evidence": [ { "url": "https://found.com/help/banking/how-to-get-paid", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "restricted_list_url": "https://found.com/help/using-found/prohibited-businesses", "countries": { "india": { "status": "explicit_restrict", "note": "Blanket US-only policy (US citizen/LPR, US address, SSN); India not individually named in provider policy.", "evidence": [ { "url": "https://found.com/help/getting-started/can-i-use-found-internationally", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "china": { "status": "explicit_restrict", "note": "Blanket US-only policy (US citizen/LPR, US address, SSN); China not individually named in provider policy.", "evidence": [ { "url": "https://found.com/help/getting-started/can-i-use-found-internationally", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "uk": { "status": "explicit_restrict", "note": "Blanket US-only policy (US citizen/LPR, US address, SSN); UK not individually named in provider policy.", "evidence": [ { "url": "https://found.com/help/getting-started/can-i-use-found-internationally", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "canada": { "status": "explicit_restrict", "note": "Blanket US-only policy (US citizen/LPR, US address, SSN); Canada not individually named in provider policy.", "evidence": [ { "url": "https://found.com/help/getting-started/can-i-use-found-internationally", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "pakistan": { "status": "explicit_restrict", "note": "Blanket US-only policy (US citizen/LPR, US address, SSN); Pakistan not individually named in provider policy.", "evidence": [ { "url": "https://found.com/help/getting-started/can-i-use-found-internationally", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "nigeria": { "status": "explicit_restrict", "note": "Blanket US-only policy (US citizen/LPR, US address, SSN); Nigeria not individually named in provider policy.", "evidence": [ { "url": "https://found.com/help/getting-started/can-i-use-found-internationally", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "turkey": { "status": "explicit_restrict", "note": "Blanket US-only policy (US citizen/LPR, US address, SSN); Turkey not individually named in provider policy.", "evidence": [ { "url": "https://found.com/help/getting-started/can-i-use-found-internationally", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "brazil": { "status": "explicit_restrict", "note": "Blanket US-only policy (US citizen/LPR, US address, SSN); Brazil not individually named in provider policy.", "evidence": [ { "url": "https://found.com/help/getting-started/can-i-use-found-internationally", "tier": "T1", "date": "accessed 2026-07-08" } ] } }, "caveats": [ "All country-level entries derive from one blanket statement that Found is only available in the United States; Found publishes no per-country restricted list, and no individual country is named in its policy.", "Found's legal account terms describe eligibility with a social security number or tax identification number, while its help center states ITINs are not accepted and an SSN is required; the help-center policy is the stricter of the two.", "P.O. boxes, virtual mailboxes, and mail-forwarding addresses are not accepted as an LLC business address at signup.", "Foreign-owned entities and entities based outside the United States appear on Found's prohibited-businesses list; this covers foreign-owned single-member US LLCs.", "References to Piermont Bank as Found's partner bank are outdated; current legal documents name Lead Bank." ] }, { "id": "lili", "display_name": "Lili", "website": "https://lili.co", "provider_type": "fintech", "partner_banks": "Sunrise Banks, N.A.; Column Bank, N.A. (wires)", "non_resident_stance": "conditional", "entity": { "summary": "Requires a US-registered entity; accepts LLCs (single or multi-member), C-Corps, S-Corps, and general or limited liability partnerships. Sole proprietorships are not supported for international applicants.", "evidence": [ { "url": "https://support.lili.co/hc/en-us/articles/8993238767258-Can-non-U-S-citizens-open-a-Lili-account", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "residency": { "summary": "International applicants apply with a foreign passport and EIN; no SSN required, per Lili's landing page. A separate general help article states the owner's SSN is always required; Lili does not reconcile the two.", "ssn_itin": "passport_sufficient", "evidence": [ { "url": "https://lili.co/us-business-account", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://support.lili.co/hc/en-us/articles/5497857720730-Can-I-apply-for-an-account-with-an-EIN-instead-of-an-SSN", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "rails": { "summary": "Business checking held at Sunrise Banks, N.A. with its own ACH routing number (091017138) and account number; wires powered by Column Bank, N.A. Lili states it is a financial technology company, not a bank.", "rails_type": "own_ach_dda", "evidence": [ { "url": "https://support.lili.co/hc/en-us/articles/360049472252-Where-can-I-find-my-routing-and-account-details", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "fdic": { "summary": "Pass-through FDIC insurance advertised up to $3,000,000 through Sunrise Banks, N.A. and a network of program banks; deposits are held at FDIC-insured institutions, not at Lili, per Lili's help center.", "evidence": [ { "url": "https://support.lili.co/hc/en-us/articles/360042502611-Is-my-Lili-account-FDIC-insured", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "onboarding": { "summary": "100% remote application from any eligible country using a foreign passport and EIN; document uploads possible (EIN letter, Articles of Organization, address verification). The Visa debit card ships only to a US address.", "remote": "fully_remote", "evidence": [ { "url": "https://lili.co/us-business-account", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "marketplace": { "summary": "Publishes payout instructions for payroll, marketplace, and vendor forms (bank name: Sunrise Banks, N.A.); markets Stripe, PayPal, and Shopify connectivity and ACH acceptance. No Amazon-specific statement found.", "evidence": [ { "url": "https://support.lili.co/hc/en-us/articles/5322762625178-Who-is-Lili-s-partner-bank", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://lili.co/us-business-account", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "restricted_list_url": "https://support.lili.co/hc/en-us/articles/8993238767258-Can-non-U-S-citizens-open-a-Lili-account", "countries": { "india": { "status": "explicit_accept", "note": "On Lili's published 14-country supported-citizenship list; eligibility is by citizenship, not residence, per provider's help center.", "evidence": [ { "url": "https://support.lili.co/hc/en-us/articles/8993238767258-Can-non-U-S-citizens-open-a-Lili-account", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "china": { "status": "explicit_accept", "note": "On Lili's published 14-country supported-citizenship list; eligibility is by citizenship, not residence, per provider's help center.", "evidence": [ { "url": "https://support.lili.co/hc/en-us/articles/8993238767258-Can-non-U-S-citizens-open-a-Lili-account", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "uk": { "status": "explicit_accept", "note": "On Lili's published 14-country supported-citizenship list; eligibility is by citizenship, not residence, per provider's help center.", "evidence": [ { "url": "https://support.lili.co/hc/en-us/articles/8993238767258-Can-non-U-S-citizens-open-a-Lili-account", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "canada": { "status": "explicit_accept", "note": "On Lili's published 14-country supported-citizenship list; eligibility is by citizenship, not residence, per provider's help center.", "evidence": [ { "url": "https://support.lili.co/hc/en-us/articles/8993238767258-Can-non-U-S-citizens-open-a-Lili-account", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "brazil": { "status": "explicit_accept", "note": "On Lili's published 14-country supported-citizenship list; eligibility is by citizenship, not residence, per provider's help center.", "evidence": [ { "url": "https://support.lili.co/hc/en-us/articles/8993238767258-Can-non-U-S-citizens-open-a-Lili-account", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "pakistan": { "status": "explicit_restrict", "note": "Absent from Lili's closed 14-country supported-citizenship list; residents holding a listed citizenship may still qualify.", "evidence": [ { "url": "https://support.lili.co/hc/en-us/articles/8993238767258-Can-non-U-S-citizens-open-a-Lili-account", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "nigeria": { "status": "explicit_restrict", "note": "Absent from Lili's closed 14-country supported-citizenship list; residents holding a listed citizenship may still qualify.", "evidence": [ { "url": "https://support.lili.co/hc/en-us/articles/8993238767258-Can-non-U-S-citizens-open-a-Lili-account", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "turkey": { "status": "explicit_restrict", "note": "Absent from Lili's closed 14-country supported-citizenship list; residents holding a listed citizenship may still qualify.", "evidence": [ { "url": "https://support.lili.co/hc/en-us/articles/8993238767258-Can-non-U-S-citizens-open-a-Lili-account", "tier": "T1", "date": "accessed 2026-07-08" } ] } }, "caveats": [ "Lili's general help center states the owner's SSN is always required to apply, while its international pages describe a passport-and-EIN application with no SSN; the provider does not reconcile the two statements.", "Eligibility is determined by citizenship from a 14-country list, not country of residence: a resident of a listed country without listed citizenship does not qualify, while a resident of an unlisted country with listed citizenship may. Any 25%+ co-owner also needs listed citizenship.", "Non-resident accounts carry feature restrictions: BusinessBuild credit building excludes non-US citizens, additional joint-account owners are required to be US residents, and the debit card ships only to a US address.", "Lili states the 14-country supported-citizenship list changes over time, and its help-center source pages show no publication dates; all evidence reflects access on 2026-07-08." ] }, { "id": "northone", "display_name": "NorthOne", "website": "https://www.northone.com", "provider_type": "fintech", "partner_banks": "The Bancorp Bank, N.A.", "non_resident_stance": "us_persons_only", "entity": { "summary": "Requires a legally incorporated US entity or sole proprietorship with a verifiable US street address; virtual offices, P.O. boxes, and commercial mail addresses not accepted. EIN listed for LLC/S-corp/partnership.", "evidence": [ { "url": "https://northone-agreements-prod.s3.amazonaws.com/pdf/ACCOUNT_AGREEMENT.pdf", "tier": "T1", "date": "This Agreement is effective 07/2025 (fetched 2026-07-08)" }, { "url": "https://web.archive.org/web/20251006192227/http://help.northone.com/en/articles/5091619-how-do-i-apply-for-a-north-one-account", "tier": "T1", "date": "Wayback snapshot 2025-10-06 (live help.northone.com returned 404 to fetchers on 2026-07-08)" } ] }, "residency": { "ssn_itin": "ssn_required", "summary": "Per the account agreement (effective 07/2025), owners are limited to US citizens or legal residents in the 50 states or D.C. SSN is a listed application requirement; no ITIN path is documented.", "evidence": [ { "url": "https://northone-agreements-prod.s3.amazonaws.com/pdf/ACCOUNT_AGREEMENT.pdf", "tier": "T1", "date": "This Agreement is effective 07/2025 (fetched 2026-07-08)" }, { "url": "https://web.archive.org/web/20251006192227/http://help.northone.com/en/articles/5091619-how-do-i-apply-for-a-north-one-account", "tier": "T1", "date": "Wayback snapshot 2025-10-06 (live help.northone.com returned 404 to fetchers on 2026-07-08)" } ] }, "rails": { "rails_type": "own_ach_dda", "summary": "Demand deposit account at The Bancorp Bank, N.A. with its own account and routing numbers for ACH, domestic wires, and direct deposit. International wires rejected; no SWIFT code offered.", "evidence": [ { "url": "https://northone-agreements-prod.s3.amazonaws.com/pdf/ACCOUNT_AGREEMENT.pdf", "tier": "T1", "date": "This Agreement is effective 07/2025 (fetched 2026-07-08)" }, { "url": "https://web.archive.org/web/20250906215603/http://help.northone.com/en/articles/9486187-how-do-i-find-my-account-and-routing-numbers", "tier": "T1", "date": "Wayback snapshot 2025-09-06" } ] }, "fdic": { "summary": "NorthOne is a financial technology company, not a bank; deposits are FDIC-insured up to $250,000 through The Bancorp Bank, N.A., per provider's help center. Single partner bank; no sweep program disclosed.", "evidence": [ { "url": "https://web.archive.org/web/20251006192848/http://help.northone.com/en/articles/5091653-are-my-deposits-fdic-insured", "tier": "T1", "date": "Wayback snapshot 2025-10-06" } ] }, "onboarding": { "remote": "fully_remote", "summary": "Signup is fully online (web or mobile app) with no branches; requires a US phone number, SSN, EIN for LLCs, and physical US home and business addresses. Limited to US-resident applicants per the agreement.", "evidence": [ { "url": "https://web.archive.org/web/20251006192227/http://help.northone.com/en/articles/5091619-how-do-i-apply-for-a-north-one-account", "tier": "T1", "date": "Wayback snapshot 2025-10-06" }, { "url": "https://northone-agreements-prod.s3.amazonaws.com/pdf/ACCOUNT_AGREEMENT.pdf", "tier": "T1", "date": "This Agreement is effective 07/2025 (fetched 2026-07-08)" } ] }, "marketplace": { "summary": "Per provider's help center, Amazon disbursements, Stripe payouts, and Shopify, Etsy, Square, and PayPal deposits can be received directly into the account using its routing and account numbers.", "evidence": [ { "url": "https://web.archive.org/web/20250211062610/http://help.northone.com/en/articles/4722833-integrate-with-third-party-software", "tier": "T1", "date": "Wayback snapshot 2025-02-11" } ] }, "restricted_list_url": null, "countries": { "india": { "status": "explicit_restrict", "note": "Blanket restriction: agreement limits account owners to US citizens/legal residents in the 50 states or D.C.; no per-country list published.", "evidence": [ { "url": "https://northone-agreements-prod.s3.amazonaws.com/pdf/ACCOUNT_AGREEMENT.pdf", "tier": "T1", "date": "This Agreement is effective 07/2025 (fetched 2026-07-08)" }, { "url": "https://web.archive.org/web/20250430101945/http://help.northone.com/en/articles/6519031-can-i-receive-an-international-wire-transfer-into-my-north-one-account", "tier": "T1", "date": "Wayback snapshot 2025-04-30" } ] }, "china": { "status": "explicit_restrict", "note": "Blanket restriction: agreement limits account owners to US citizens/legal residents in the 50 states or D.C.; no per-country list published.", "evidence": [ { "url": "https://northone-agreements-prod.s3.amazonaws.com/pdf/ACCOUNT_AGREEMENT.pdf", "tier": "T1", "date": "This Agreement is effective 07/2025 (fetched 2026-07-08)" }, { "url": "https://web.archive.org/web/20250430101945/http://help.northone.com/en/articles/6519031-can-i-receive-an-international-wire-transfer-into-my-north-one-account", "tier": "T1", "date": "Wayback snapshot 2025-04-30" } ] }, "uk": { "status": "explicit_restrict", "note": "Blanket restriction: agreement limits account owners to US citizens/legal residents in the 50 states or D.C.; no per-country list published.", "evidence": [ { "url": "https://northone-agreements-prod.s3.amazonaws.com/pdf/ACCOUNT_AGREEMENT.pdf", "tier": "T1", "date": "This Agreement is effective 07/2025 (fetched 2026-07-08)" }, { "url": "https://web.archive.org/web/20250430101945/http://help.northone.com/en/articles/6519031-can-i-receive-an-international-wire-transfer-into-my-north-one-account", "tier": "T1", "date": "Wayback snapshot 2025-04-30" } ] }, "canada": { "status": "explicit_restrict", "note": "Blanket US-residency rule applies; the prior Canada-resident carve-out cited in older reviews is absent from the current 07/2025 agreement.", "evidence": [ { "url": "https://northone-agreements-prod.s3.amazonaws.com/pdf/ACCOUNT_AGREEMENT.pdf", "tier": "T1", "date": "This Agreement is effective 07/2025 (fetched 2026-07-08)" }, { "url": "https://web.archive.org/web/20250430101945/http://help.northone.com/en/articles/6519031-can-i-receive-an-international-wire-transfer-into-my-north-one-account", "tier": "T1", "date": "Wayback snapshot 2025-04-30" } ] }, "pakistan": { "status": "explicit_restrict", "note": "Blanket restriction: agreement limits account owners to US citizens/legal residents in the 50 states or D.C.; no per-country list published.", "evidence": [ { "url": "https://northone-agreements-prod.s3.amazonaws.com/pdf/ACCOUNT_AGREEMENT.pdf", "tier": "T1", "date": "This Agreement is effective 07/2025 (fetched 2026-07-08)" }, { "url": "https://web.archive.org/web/20250430101945/http://help.northone.com/en/articles/6519031-can-i-receive-an-international-wire-transfer-into-my-north-one-account", "tier": "T1", "date": "Wayback snapshot 2025-04-30" } ] }, "nigeria": { "status": "explicit_restrict", "note": "Blanket restriction: agreement limits account owners to US citizens/legal residents in the 50 states or D.C.; no per-country list published.", "evidence": [ { "url": "https://northone-agreements-prod.s3.amazonaws.com/pdf/ACCOUNT_AGREEMENT.pdf", "tier": "T1", "date": "This Agreement is effective 07/2025 (fetched 2026-07-08)" }, { "url": "https://web.archive.org/web/20250430101945/http://help.northone.com/en/articles/6519031-can-i-receive-an-international-wire-transfer-into-my-north-one-account", "tier": "T1", "date": "Wayback snapshot 2025-04-30" } ] }, "turkey": { "status": "explicit_restrict", "note": "Blanket restriction: agreement limits account owners to US citizens/legal residents in the 50 states or D.C.; no per-country list published.", "evidence": [ { "url": "https://northone-agreements-prod.s3.amazonaws.com/pdf/ACCOUNT_AGREEMENT.pdf", "tier": "T1", "date": "This Agreement is effective 07/2025 (fetched 2026-07-08)" }, { "url": "https://web.archive.org/web/20250430101945/http://help.northone.com/en/articles/6519031-can-i-receive-an-international-wire-transfer-into-my-north-one-account", "tier": "T1", "date": "Wayback snapshot 2025-04-30" } ] }, "brazil": { "status": "explicit_restrict", "note": "Blanket restriction: agreement limits account owners to US citizens/legal residents in the 50 states or D.C.; no per-country list published.", "evidence": [ { "url": "https://northone-agreements-prod.s3.amazonaws.com/pdf/ACCOUNT_AGREEMENT.pdf", "tier": "T1", "date": "This Agreement is effective 07/2025 (fetched 2026-07-08)" }, { "url": "https://web.archive.org/web/20250430101945/http://help.northone.com/en/articles/6519031-can-i-receive-an-international-wire-transfer-into-my-north-one-account", "tier": "T1", "date": "Wayback snapshot 2025-04-30" } ] } }, "caveats": [ "Older third-party reviews describe a carve-out allowing Canadian residents with a US entity; the current deposit account agreement (effective 07/2025) contains no such provision.", "Several help-center policies were verified via archived snapshots (February-October 2025) because the live help center was unreachable to automated checks on 2026-07-08; details published there may have changed since the snapshot dates.", "The application help page's requirement list reads 'Employment Insurance number'; in context this refers to the business tax ID (EIN) for LLCs, S-corps, and partnerships.", "SSN is listed as an application requirement; ITIN acceptance is not addressed in the provider's published account-opening materials." ] }, { "id": "airwallex", "display_name": "Airwallex (US)", "website": "https://www.airwallex.com", "provider_type": "fintech", "partner_banks": "Evolve Bank & Trust", "non_resident_stance": "accepts_non_residents", "entity": { "summary": "Business accounts only — no personal accounts offered. US companies provide an EIN letter and state formation documents with exact business-name match; eligibility requires a registered, active business in good standing.", "evidence": [ { "url": "https://help.airwallex.com/hc/en-gb/articles/900001757026-Eligibility-to-open-an-account", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://help.airwallex.com/hc/en-gb/articles/4419267227417-Documents-required-for-companies-in-the-US", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "residency": { "summary": "SSN is requested only for US persons; non-US-person signatories, control persons and beneficial owners verify with a government-issued photo ID such as a passport, per the US documents page. ITIN is not addressed.", "ssn_itin": "passport_sufficient", "evidence": [ { "url": "https://help.airwallex.com/hc/en-gb/articles/4419267227417-Documents-required-for-companies-in-the-US", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "rails": { "summary": "USD account details include dedicated ACH and Fedwire routing numbers, receiving ACH, Fedwire, SWIFT, and FedNow/RTP for eligible customers; funds sit pooled in an FBO omnibus at partner bank Evolve Bank & Trust.", "rails_type": "virtual_or_fbo", "evidence": [ { "url": "https://help.airwallex.com/hc/en-gb/articles/900001759623-Which-currencies-can-I-get-a-Global-Account-in-and-what-payments-can-I-receive", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://help.airwallex.com/hc/en-gb/articles/4404265644185-How-does-Airwallex-keep-my-money-safe", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "fdic": { "summary": "Airwallex describes its US banking partnerships as designed to provide FDIC coverage up to $250,000 per qualified customer account via a partner-bank omnibus; Airwallex is a licensed money transmitter, not a bank.", "evidence": [ { "url": "https://help.airwallex.com/hc/en-gb/articles/4404265644185-How-does-Airwallex-keep-my-money-safe", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "onboarding": { "summary": "Provider marketing describes account opening as fully online; the US documents page lists uploadable documents only (EIN letter, formation documents, photo-ID images) with no in-person step mentioned.", "remote": "fully_remote", "evidence": [ { "url": "https://www.airwallex.com/en-uk/blog/how-to-open-a-us-business-bank-account-from-the-uk", "tier": "T2", "date": "Updated 16 October 2025" }, { "url": "https://help.airwallex.com/hc/en-gb/articles/4419267227417-Documents-required-for-companies-in-the-US", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "marketplace": { "summary": "Per provider marketing, USD account details can be linked to Amazon US, PayPal, Shopify and other platforms to receive payouts; the ACH and Fedwire receiving rails are confirmed on the provider's help center.", "evidence": [ { "url": "https://www.airwallex.com/en-uk/blog/how-to-open-a-us-business-bank-account-from-the-uk", "tier": "T2", "date": "Updated 16 October 2025" }, { "url": "https://help.airwallex.com/hc/en-gb/articles/900001759623-Which-currencies-can-I-get-a-Global-Account-in-and-what-payments-can-I-receive", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "restricted_list_url": "https://help.airwallex.com/hc/en-gb/articles/4408591334937-Eligible-Countries-and-Territories", "countries": { "india": { "status": "no_published_restriction", "note": "No published residency restriction; India-registered businesses onboard via the Singapore entity. No explicit statement on India-resident owners of US LLCs.", "evidence": [ { "url": "https://help.airwallex.com/hc/en-gb/articles/4408591334937-Eligible-Countries-and-Territories", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "china": { "status": "no_published_restriction", "note": "No published residency restriction; China-registered businesses onboard via the Hong Kong entity. No explicit statement on China-resident owners of US LLCs.", "evidence": [ { "url": "https://help.airwallex.com/hc/en-gb/articles/4408591334937-Eligible-Countries-and-Territories", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "uk": { "status": "no_published_restriction", "note": "No published residency restriction; UK-registered businesses onboard via the UK entity and can open USD Global Accounts without a US entity.", "evidence": [ { "url": "https://help.airwallex.com/hc/en-gb/articles/4408591334937-Eligible-Countries-and-Territories", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://www.airwallex.com/en-uk/blog/how-to-open-a-us-business-bank-account-from-the-uk", "tier": "T2", "date": "Updated 16 October 2025" } ] }, "canada": { "status": "no_published_restriction", "note": "No published residency restriction; Canada-registered businesses onboard via the Canada entity. No explicit statement on Canada-resident owners of US LLCs.", "evidence": [ { "url": "https://help.airwallex.com/hc/en-gb/articles/4408591334937-Eligible-Countries-and-Territories", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "pakistan": { "status": "explicit_restrict", "note": "Pakistan is absent from the published registration-country whitelist, so Pakistan-registered businesses cannot onboard; US-LLC owner residency not addressed.", "evidence": [ { "url": "https://help.airwallex.com/hc/en-gb/articles/4408591334937-Eligible-Countries-and-Territories", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "nigeria": { "status": "explicit_restrict", "note": "Nigeria is absent from the published registration-country whitelist, so Nigeria-registered businesses cannot onboard; US-LLC owner residency not addressed.", "evidence": [ { "url": "https://help.airwallex.com/hc/en-gb/articles/4408591334937-Eligible-Countries-and-Territories", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "turkey": { "status": "explicit_restrict", "note": "Turkey is absent from the published registration-country whitelist, so Turkey-registered businesses cannot onboard; US-LLC owner residency not addressed.", "evidence": [ { "url": "https://help.airwallex.com/hc/en-gb/articles/4408591334937-Eligible-Countries-and-Territories", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "brazil": { "status": "no_published_restriction", "note": "No published residency restriction; Brazil-registered businesses onboard to the Airwallex US entity. No explicit statement on Brazil-resident owners of US LLCs.", "evidence": [ { "url": "https://help.airwallex.com/hc/en-gb/articles/4408591334937-Eligible-Countries-and-Territories", "tier": "T1", "date": "accessed 2026-07-08" } ] } }, "caveats": [ "Airwallex's published country policy is keyed to the business's registration country, not the owner's country of residence. Country statuses here reflect that list; no Airwallex page was found that accepts or restricts a US-LLC owner based on where the owner lives.", "Airwallex describes its US banking partnerships as designed to provide FDIC coverage up to $250,000; funds are held in a pooled for-benefit-of omnibus account at Evolve Bank & Trust rather than an individual deposit account, and pass-through coverage depends on qualified-account conditions.", "The fully-online account-opening statement comes from a UK-audience marketing page describing the USD Global Account flow for UK businesses; no US-specific statement on in-person or video verification was found.", "Statements about USD accounts without a US entity, and about linking account details to Amazon US, PayPal and Shopify, come from marketing pages describing the Global Account product for non-US-registered businesses; US-company requirements (EIN letter, formation documents) apply separately.", "Pakistan, Nigeria and Turkey statuses rest on absence from the eligibility list as accessed 2026-07-08; the list can change. A separate SWIFT-deposit restriction page naming these and other countries applies to Denmark- and Hong Kong-based Global Accounts, not US account details." ] }, { "id": "grasshopper", "display_name": "Grasshopper Bank", "website": "https://grasshopper.bank", "provider_type": "bank", "partner_banks": null, "non_resident_stance": "us_persons_only", "entity": { "summary": "Requires a US entity with EIN/Tax ID and formation documents; beneficial-owner information is required for each individual owning 25% or more, per provider's account-opening FAQ.", "evidence": [ { "url": "https://www.grasshopper.bank/faqs/what-is-needed-to-open-an-account-3/", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "residency": { "summary": "Applicants require US citizenship or permanent US residency with a verifiable address in the 50 states or DC; US territories are ineligible. SSN/Tax ID number required for applicants and signers.", "ssn_itin": "ssn_required", "evidence": [ { "url": "https://www.grasshopper.bank/faqs/who-can-open-an-innovator-business-checking-account/", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://www.grasshopper.bank/faqs/what-is-needed-to-open-an-account-3/", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "rails": { "summary": "Deposit account held directly at Grasshopper Bank, N.A., a chartered bank, with its own ABA routing number (026015024) for direct business clients; a separate routing number applies to fintech-program clients.", "rails_type": "direct_bank_account", "evidence": [ { "url": "https://www.grasshopper.bank/faqs/what-is-the-banks-routing-number/", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "fdic": { "summary": "Direct FDIC member bank; deposits insured up to $250,000, with an optional ICS sweep program extending coverage up to $125 million across a network of partner banks.", "evidence": [ { "url": "https://www.grasshopper.bank/llc-business-checking-account/", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "onboarding": { "summary": "Online account opening in as little as 5 minutes per the provider, with photo ID and a selfie with photo ID required; available only to eligible US-resident applicants.", "remote": "fully_remote", "evidence": [ { "url": "https://www.grasshopper.bank/llc-business-checking-account/", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "marketplace": null, "restricted_list_url": null, "countries": { "india": { "status": "explicit_restrict", "note": "Covered by blanket US citizen/permanent-resident requirement; no per-country list published.", "evidence": [ { "url": "https://www.grasshopper.bank/faqs/who-can-open-an-innovator-business-checking-account/", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "china": { "status": "explicit_restrict", "note": "Covered by blanket US citizen/permanent-resident requirement; no per-country list published.", "evidence": [ { "url": "https://www.grasshopper.bank/faqs/who-can-open-an-innovator-business-checking-account/", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "uk": { "status": "explicit_restrict", "note": "Covered by blanket US citizen/permanent-resident requirement; no per-country list published.", "evidence": [ { "url": "https://www.grasshopper.bank/faqs/who-can-open-an-innovator-business-checking-account/", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "canada": { "status": "explicit_restrict", "note": "Covered by blanket US citizen/permanent-resident requirement; no per-country list published.", "evidence": [ { "url": "https://www.grasshopper.bank/faqs/who-can-open-an-innovator-business-checking-account/", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "pakistan": { "status": "explicit_restrict", "note": "Covered by blanket US citizen/permanent-resident requirement; no per-country list published.", "evidence": [ { "url": "https://www.grasshopper.bank/faqs/who-can-open-an-innovator-business-checking-account/", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "nigeria": { "status": "explicit_restrict", "note": "Covered by blanket US citizen/permanent-resident requirement; no per-country list published.", "evidence": [ { "url": "https://www.grasshopper.bank/faqs/who-can-open-an-innovator-business-checking-account/", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "turkey": { "status": "explicit_restrict", "note": "Covered by blanket US citizen/permanent-resident requirement; no per-country list published.", "evidence": [ { "url": "https://www.grasshopper.bank/faqs/who-can-open-an-innovator-business-checking-account/", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "brazil": { "status": "explicit_restrict", "note": "Covered by blanket US citizen/permanent-resident requirement; no per-country list published.", "evidence": [ { "url": "https://www.grasshopper.bank/faqs/who-can-open-an-innovator-business-checking-account/", "tier": "T1", "date": "accessed 2026-07-08" } ] } }, "caveats": [ "The US-residency eligibility statement appears on the FAQ for the Innovator Business Checking product; Grasshopper's other lines (commercial banking, SBA lending, fintech programs) publish no equivalent statement and may have different eligibility terms.", "The published eligibility rule addresses the account applicant and signers; the provider does not publish a separate residency rule for beneficial owners. For a solo founder, applicant and owner are the same person.", "Core deposits are held directly at Grasshopper Bank, N.A.; only the optional ICS sweep program places funds across a network of partner banks.", "The provider states the $125 million ICS coverage figure is subject to change; page figures carry a rate footnote dated 2025-11-03 and were accessed 2026-07-08.", "The account-opening FAQ lists 'SSN/Tax ID number' as required without stating whether an ITIN qualifies in place of an SSN." ] }, { "id": "slash", "display_name": "Slash", "website": "https://slash.com", "provider_type": "fintech", "partner_banks": "Column N.A.", "non_resident_stance": "accepts_non_residents", "entity": { "summary": "Business Banking requires a US-registered entity; founders outside the US can qualify with eligible incorporation information. A separate Global USD Account serves businesses incorporated outside the US.", "evidence": [ { "url": "https://www.slash.com/help-center/getting-started/how-to-know-if-you-re-eligible-for-slash", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://www.slash.com/help-center/global-usd/how-to-apply-for-the-slash-global-usd-account", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "residency": { "summary": "Owners may live outside the US (Business Banking), subject to residence-country and nationality review. Per provider blog, Global USD requires no SSN/ITIN; Business Banking SSN/ITIN policy is not published.", "evidence": [ { "url": "https://www.slash.com/help-center/getting-started/how-to-know-if-you-re-eligible-for-slash", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://www.slash.com/blog/us-bank-account-non-resident", "tier": "T2", "date": "accessed 2026-07-08" } ], "ssn_itin": "conditional" }, "rails": { "summary": "Business Banking is a business checking account at partner bank Column N.A. Global USD is not a bank deposit: balances are held in USDSL stablecoin (ERC-20 on Base) with US account and routing numbers for ACH and wires.", "evidence": [ { "url": "https://www.slash.com/help-center/global-usd/what-s-the-slash-global-usd-account", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://www.slash.com/frequently-asked-questions", "tier": "T1", "date": "accessed 2026-07-08" } ], "rails_type": "mixed" }, "fdic": { "summary": "Business Banking deposits carry pass-through FDIC coverage via Column N.A. and its sweep-network banks; Slash is not a bank. Global USD balances are digital assets with no FDIC, SIPC, or government-backed insurance.", "evidence": [ { "url": "https://www.slash.com/frequently-asked-questions", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://www.slash.com/help-center/global-usd/what-s-the-slash-global-usd-account", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "onboarding": { "summary": "Global USD application is fully online at slash.com (formation documents, proof of business address, beneficial-owner info, statements). Per provider blog, verification is handled entirely online with no US branch visit.", "evidence": [ { "url": "https://www.slash.com/help-center/global-usd/how-to-apply-for-the-slash-global-usd-account", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://www.slash.com/blog/us-bank-account-non-resident", "tier": "T2", "date": "accessed 2026-07-08" } ], "remote": "fully_remote" }, "marketplace": null, "restricted_list_url": "https://www.slash.com/help-center/global-usd/supported-countries-for-global-usd", "countries": { "india": { "status": "no_published_restriction", "note": "Not on Slash's published restricted-country lists; no explicit acceptance statement.", "evidence": [ { "url": "https://www.slash.com/help-center/getting-started/how-to-know-if-you-re-eligible-for-slash", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "china": { "status": "unknown", "note": "No published country-level policy found.", "evidence": [] }, "uk": { "status": "unknown", "note": "No published country-level policy found.", "evidence": [] }, "canada": { "status": "unknown", "note": "No published country-level policy found.", "evidence": [] }, "pakistan": { "status": "explicit_restrict", "note": "Named on both the Business Banking restricted list and the Global USD unsupported list.", "evidence": [ { "url": "https://www.slash.com/help-center/getting-started/how-to-know-if-you-re-eligible-for-slash", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "nigeria": { "status": "unknown", "note": "No verified country-level claim; Global USD country lists key on incorporation country, not residence.", "evidence": [] }, "turkey": { "status": "unknown", "note": "No verified country-level claim; Global USD country lists key on incorporation country, not residence.", "evidence": [] }, "brazil": { "status": "unknown", "note": "No published country-level policy found.", "evidence": [] } }, "caveats": [ "The Global USD Account is not a bank deposit account: balances are held in the USDSL stablecoin (ERC-20 on Base) with no FDIC, SIPC, or government-backed insurance. Statements that no SSN or ITIN is needed refer to this product, not to an insured bank account.", "The no-SSN/ITIN and fully-online-verification statements appear on Slash's own marketing blog rather than its help center; the help-center eligibility page does not state an SSN/ITIN policy for Business Banking.", "Slash's Global USD supported-country lists are based on the business's country of incorporation, not founder residence; only the Business Banking restricted list applies to where owners live or their nationality." ] }, { "id": "meow", "display_name": "Meow", "website": "https://meow.com", "provider_type": "fintech", "partner_banks": "Cross River Bank; Grasshopper Bank, N.A.", "non_resident_stance": "conditional", "entity": { "summary": "US-registered LLCs (single/multi-member), C-Corps, S-Corps, and non-US entities eligible subject to country rules, per help center; approval not automatic. EIN required; pending-EIN path with 60-day letter deadline.", "evidence": [ { "url": "https://support.meow.com/articles/5258706896-what-types-of-businesses-and-entities-can-open-a-meow-account", "tier": "T1", "date": "Last updated 2 months ago (accessed 2026-07-08)" }, { "url": "https://support.meow.com/articles/8420256334-can-i-open-a-business-account-without-an-ein-or-with-a-pending-ein-application", "tier": "T1", "date": "Last updated 8 months ago (accessed 2026-07-08)" } ] }, "residency": { "summary": "Published requirements list no SSN/ITIN; per FAQ, non-US citizens in some cases submit a government ID. Physical operating address (US or abroad) with proof required; virtual addresses stated insufficient.", "ssn_itin": "unknown", "evidence": [ { "url": "https://www.meow.com/faq", "tier": "T1", "date": "Last updated April 21, 2026" }, { "url": "https://support.meow.com/articles/8263289629-prohibited-countries", "tier": "T1", "date": "Last updated 5 months ago (accessed 2026-07-08)" } ] }, "rails": { "summary": "Business checking with its own ACH and wire account/routing details in the dashboard; banking services provided by partner banks Cross River Bank and Grasshopper Bank, N.A., per provider FAQ.", "rails_type": "own_ach_dda", "evidence": [ { "url": "https://www.meow.com/faq", "tier": "T1", "date": "Last updated April 21, 2026" } ] }, "fdic": { "summary": "A fintech, not a bank; deposits held at partner banks (Cross River Bank, Grasshopper Bank, N.A.) with pass-through FDIC coverage; funds placed via the IntraFi network in sub-SMDIA increments per bank.", "evidence": [ { "url": "https://www.meow.com/faq", "tier": "T1", "date": "Last updated April 21, 2026" } ] }, "onboarding": { "summary": "Fully online application, stated under 10 minutes with document upload; no in-person step published. Non-US entities submit formation docs and a W-8 BEN-E as PDFs (article scoped to Meow Card verification).", "remote": "fully_remote", "evidence": [ { "url": "https://www.meow.com/faq", "tier": "T1", "date": "Last updated April 21, 2026" }, { "url": "https://support.meow.com/articles/2435094566-document-requirements-for-non-us-business-verification-during-onboarding", "tier": "T1", "date": "Last updated 5 months ago (accessed 2026-07-08)" } ] }, "marketplace": { "summary": "Provider blog states direct Stripe integration for customer-payment settlement into Meow accounts; no published statement on Amazon or other marketplace payouts found.", "evidence": [ { "url": "https://www.meow.com/blog/meow-vs-mercury-ai-startups", "tier": "T2", "date": "Published on Tuesday, May 26, 2026" } ] }, "restricted_list_url": "https://support.meow.com/articles/8263289629-prohibited-countries", "countries": { "india": { "status": "explicit_accept", "note": "On the provider's published supported-country list for account opening and onboarding; not on the prohibited list.", "evidence": [ { "url": "https://support.meow.com/articles/8173743656-what-countries-does-meow-support", "tier": "T1", "date": "Last updated 2 months ago (accessed 2026-07-08)" } ] }, "china": { "status": "no_published_restriction", "note": "Not on the published prohibited-country list; also absent from the published supported-country list (Hong Kong, Macao, Taiwan listed separately).", "evidence": [ { "url": "https://support.meow.com/articles/8173743656-what-countries-does-meow-support", "tier": "T1", "date": "Last updated 2 months ago (accessed 2026-07-08)" }, { "url": "https://support.meow.com/articles/8263289629-prohibited-countries", "tier": "T1", "date": "Last updated 5 months ago (accessed 2026-07-08)" } ] }, "uk": { "status": "explicit_accept", "note": "On the provider's published supported-country list for account opening and onboarding; not on the prohibited list.", "evidence": [ { "url": "https://support.meow.com/articles/8173743656-what-countries-does-meow-support", "tier": "T1", "date": "Last updated 2 months ago (accessed 2026-07-08)" } ] }, "canada": { "status": "explicit_accept", "note": "On the provider's published supported-country list for account opening and onboarding; not on the prohibited list.", "evidence": [ { "url": "https://support.meow.com/articles/8173743656-what-countries-does-meow-support", "tier": "T1", "date": "Last updated 2 months ago (accessed 2026-07-08)" } ] }, "pakistan": { "status": "no_published_restriction", "note": "Not on the published prohibited-country list; also absent from the published supported-country list; no explicit statement either way.", "evidence": [ { "url": "https://support.meow.com/articles/8173743656-what-countries-does-meow-support", "tier": "T1", "date": "Last updated 2 months ago (accessed 2026-07-08)" }, { "url": "https://support.meow.com/articles/8263289629-prohibited-countries", "tier": "T1", "date": "Last updated 5 months ago (accessed 2026-07-08)" } ] }, "nigeria": { "status": "unknown", "note": "Conflicting live provider pages: on the older prohibited-country list and the newer supported-country list; no single published verdict.", "evidence": [ { "url": "https://support.meow.com/articles/8263289629-prohibited-countries", "tier": "T1", "date": "Prohibited list updated 5 months ago; supported list updated 2 months ago (both accessed 2026-07-08)" } ] }, "turkey": { "status": "explicit_accept", "note": "On the provider's published supported-country list for account opening and onboarding; not on the prohibited list.", "evidence": [ { "url": "https://support.meow.com/articles/8173743656-what-countries-does-meow-support", "tier": "T1", "date": "Last updated 2 months ago (accessed 2026-07-08)" } ] }, "brazil": { "status": "explicit_accept", "note": "On the provider's published supported-country list for account opening and onboarding; not on the prohibited list.", "evidence": [ { "url": "https://support.meow.com/articles/8173743656-what-countries-does-meow-support", "tier": "T1", "date": "Last updated 2 months ago (accessed 2026-07-08)" } ] } }, "caveats": [ "The provider's prohibited-country list and its newer supported-country list conflict: around 14 countries (including Nigeria, Philippines, Vietnam, Ukraine, Taiwan) currently appear on both pages; eligibility for those countries is not determinable from published pages alone.", "A physical operating address (US or abroad) with documentary proof is required to apply; the provider states a virtual address is insufficient, including for remote-first companies.", "Approval is not automatic for any entity type; all applications go through KYC (identity) and KYB (business) review, per the provider's help center.", "The provider does not publish which partner bank (Cross River, Grasshopper, or other banks named on specific product pages) issues a given customer's routing and account number." ] }, { "id": "rho", "display_name": "Rho", "website": "https://rho.co", "provider_type": "fintech", "partner_banks": "Webster Bank, N.A.", "non_resident_stance": "conditional", "entity": { "summary": "Requires a US-incorporated entity and either a US operating address or one US-based owner with a valid SSN, per provider's help center; a foreign-owned single-member LLC with neither does not meet the stated criteria.", "evidence": [ { "url": "https://www.rho.co/hc/can-i-open-a-rho-account-if-i-dont-live-in-the-u-s", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "residency": { "summary": "Rho states it serves 'business owners worldwide'; without a US operating address, one US-based business owner with a valid SSN is required. No ITIN or passport-only path is documented.", "ssn_itin": "conditional", "evidence": [ { "url": "https://www.rho.co/hc/can-i-open-a-rho-account-if-i-dont-live-in-the-u-s", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://www.rho.co/hc/applying-to-rho-faqs", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "rails": { "summary": "Banking services provided and cards issued by Webster Bank, N.A., Member FDIC. Whether the checking account is a directly titled DDA at Webster Bank or an FBO/custodial structure is not stated on published pages.", "rails_type": "unknown", "evidence": [ { "url": "https://www.rho.co/faq", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "fdic": { "summary": "Rho states it is a fintech company, not a bank; deposits are held via Webster Bank, N.A., Member FDIC, with up to $75M FDIC coverage through a sweep network of 400+ FDIC-insured banks, per provider's FAQ.", "evidence": [ { "url": "https://www.rho.co/faq", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "onboarding": { "summary": "Application is online, resumable by email; documents include articles of incorporation and EIN. Virtual addresses (Regus or any provider) are not permitted. No published fully-remote-from-abroad statement.", "remote": "unknown", "evidence": [ { "url": "https://www.rho.co/hc/applying-to-rho-faqs", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "marketplace": { "summary": "Apps built on Stripe Financial Connections (incl. Stripe payouts) connect directly to a Rho account; PayPal business accounts can link. Payoneer is not supported; no published Amazon-payout statement.", "evidence": [ { "url": "https://www.rho.co/help-center/payments", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://www.rho.co/hc/rhos-supported-cash-flow-apps", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "restricted_list_url": "https://www.rho.co/help-center/banking/can-i-open-a-rho-account-if-i-dont-live-in-the-u-s", "countries": { "india": { "status": "no_published_restriction", "note": "Not on Rho's published ineligible-locations list; no explicit acceptance statement.", "evidence": [ { "url": "https://www.rho.co/hc/can-i-open-a-rho-account-if-i-dont-live-in-the-u-s", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "china": { "status": "no_published_restriction", "note": "Not on Rho's published ineligible-locations list; no explicit acceptance statement.", "evidence": [ { "url": "https://www.rho.co/hc/can-i-open-a-rho-account-if-i-dont-live-in-the-u-s", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "uk": { "status": "no_published_restriction", "note": "Not on Rho's published ineligible-locations list; no explicit acceptance statement.", "evidence": [ { "url": "https://www.rho.co/hc/can-i-open-a-rho-account-if-i-dont-live-in-the-u-s", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "canada": { "status": "no_published_restriction", "note": "Not on Rho's published ineligible-locations list; no explicit acceptance statement.", "evidence": [ { "url": "https://www.rho.co/hc/can-i-open-a-rho-account-if-i-dont-live-in-the-u-s", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "pakistan": { "status": "no_published_restriction", "note": "Not on ineligible-locations list; residence not addressed. Payments to Pakistan restricted; PKR payments to businesses not supported.", "evidence": [ { "url": "https://www.rho.co/hc/can-i-open-a-rho-account-if-i-dont-live-in-the-u-s", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://www.rho.co/hc/restricted-countries-and-international-payment-types", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "nigeria": { "status": "no_published_restriction", "note": "Not on ineligible-locations list; residence not addressed. Payments to Nigeria restricted on banking and card lists.", "evidence": [ { "url": "https://www.rho.co/hc/can-i-open-a-rho-account-if-i-dont-live-in-the-u-s", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://www.rho.co/hc/restricted-countries-and-international-payment-types", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "turkey": { "status": "no_published_restriction", "note": "Not on Rho's published ineligible-locations list; no explicit acceptance statement.", "evidence": [ { "url": "https://www.rho.co/hc/can-i-open-a-rho-account-if-i-dont-live-in-the-u-s", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "brazil": { "status": "no_published_restriction", "note": "Not on ineligible-locations list; residence not addressed. BRL payments to businesses not supported per payments-restriction article.", "evidence": [ { "url": "https://www.rho.co/hc/can-i-open-a-rho-account-if-i-dont-live-in-the-u-s", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://www.rho.co/hc/restricted-countries-and-international-payment-types", "tier": "T1", "date": "accessed 2026-07-08" } ] } }, "caveats": [ "Virtual addresses from Regus or any other provider are not permitted in the Rho application — relevant for founders relying on virtual US business addresses.", "The application FAQ describes an SSN as a required data point; read together with the eligibility page, the SSN requirement attaches to one US-based owner and applies when the entity has no US operating address.", "Nigeria, Pakistan, and Brazil entries reflect payment-side restrictions only; Rho publishes no founder-residency policy for these countries beyond its 8-country ineligible-locations list (Cuba, Iran, North Korea, Russia, South Sudan, Sudan, Syria, Venezuela).", "Published FDIC figures (up to $75M via a sweep network of 400+ banks) come from provider marketing/FAQ pages; whether the account is a directly titled DDA at Webster Bank or an FBO structure is not published." ] }, { "id": "chase", "display_name": "Chase Business Banking", "website": "https://www.chase.com", "provider_type": "bank", "partner_banks": null, "non_resident_stance": "conditional", "entity": { "summary": "Formation documents (Articles of Organization/Certificate of Formation) and an EIN are required for business checking; no non-US-entity onboarding path is published, per Chase's account-information page.", "evidence": [ { "url": "https://www.chase.com/business/resources/business-bank-account-information", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "residency": { "summary": "ITIN accepted in place of SSN for non-US citizens; foreign passport accepted as primary ID, with one of two ID documents showing a US address, per Chase's 2024 personal-checking ID sheet.", "ssn_itin": "itin_accepted", "evidence": [ { "url": "https://www.chase.com/business/knowledge-center/start/opening-a-business-checking-account", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://www.chase.com/content/dam/chase-ux/documents/personal/checking/acceptable-forms-of-identification.pdf", "tier": "T1", "date": "© 2024 JPMorgan Chase & Co. (accessed 2026-07-08)" }, { "url": "https://www.chase.com/personal/banking/education/basics/us-bank-account-for-non-residents", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "rails": { "summary": "Deposits are held directly at JPMorgan Chase Bank, N.A.; accounts carry Chase's own ABA/ACH routing numbers with no partner-bank or FBO structure, per product-page disclosures.", "rails_type": "direct_bank_account", "evidence": [ { "url": "https://www.chase.com/business/banking/checking/business-complete-banking", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "fdic": { "summary": "JPMorgan Chase Bank, N.A. is itself an FDIC member bank; deposit insurance is direct, not pass-through or sweep insurance via partner banks.", "evidence": [ { "url": "https://www.chase.com/content/dam/chase-ux/documents/personal/checking/acceptable-forms-of-identification.pdf", "tier": "T1", "date": "© 2024 JPMorgan Chase & Co. (accessed 2026-07-08)" } ] }, "onboarding": { "summary": "Online application is limited to sole proprietorships, corporations, and single-member/single-manager LLCs; multi-member LLCs require a branch visit. KYC documents are required to be original, a branch-centric posture.", "remote": "conditional", "evidence": [ { "url": "https://www.chase.com/business/resources/business-bank-account-information", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://www.chase.com/content/dam/chase-ux/documents/personal/checking/acceptable-forms-of-identification.pdf", "tier": "T1", "date": "© 2024 JPMorgan Chase & Co. (accessed 2026-07-08)" } ] }, "marketplace": null, "restricted_list_url": null, "countries": { "india": { "status": "unknown", "note": "No published country-level policy found; Chase publishes no restricted-country list.", "evidence": [ { "url": "https://www.chase.com/content/dam/chase-ux/documents/personal/checking/acceptable-forms-of-identification.pdf", "tier": "T1", "date": "© 2024 JPMorgan Chase & Co. (accessed 2026-07-08)" } ] }, "china": { "status": "unknown", "note": "No published country-level policy found; Chase publishes no restricted-country list.", "evidence": [ { "url": "https://www.chase.com/content/dam/chase-ux/documents/personal/checking/acceptable-forms-of-identification.pdf", "tier": "T1", "date": "© 2024 JPMorgan Chase & Co. (accessed 2026-07-08)" } ] }, "uk": { "status": "unknown", "note": "No published country-level policy found; Chase publishes no restricted-country list.", "evidence": [ { "url": "https://www.chase.com/content/dam/chase-ux/documents/personal/checking/acceptable-forms-of-identification.pdf", "tier": "T1", "date": "© 2024 JPMorgan Chase & Co. (accessed 2026-07-08)" } ] }, "canada": { "status": "unknown", "note": "No published country-level policy found; Chase publishes no restricted-country list.", "evidence": [ { "url": "https://www.chase.com/content/dam/chase-ux/documents/personal/checking/acceptable-forms-of-identification.pdf", "tier": "T1", "date": "© 2024 JPMorgan Chase & Co. (accessed 2026-07-08)" } ] }, "pakistan": { "status": "unknown", "note": "No published country-level policy found; Chase publishes no restricted-country list.", "evidence": [ { "url": "https://www.chase.com/content/dam/chase-ux/documents/personal/checking/acceptable-forms-of-identification.pdf", "tier": "T1", "date": "© 2024 JPMorgan Chase & Co. (accessed 2026-07-08)" } ] }, "nigeria": { "status": "unknown", "note": "No published country-level policy found; Chase publishes no restricted-country list.", "evidence": [ { "url": "https://www.chase.com/content/dam/chase-ux/documents/personal/checking/acceptable-forms-of-identification.pdf", "tier": "T1", "date": "© 2024 JPMorgan Chase & Co. (accessed 2026-07-08)" } ] }, "turkey": { "status": "unknown", "note": "No published country-level policy found; Chase publishes no restricted-country list.", "evidence": [ { "url": "https://www.chase.com/content/dam/chase-ux/documents/personal/checking/acceptable-forms-of-identification.pdf", "tier": "T1", "date": "© 2024 JPMorgan Chase & Co. (accessed 2026-07-08)" } ] }, "brazil": { "status": "unknown", "note": "No published country-level policy found; Chase publishes no restricted-country list.", "evidence": [ { "url": "https://www.chase.com/content/dam/chase-ux/documents/personal/checking/acceptable-forms-of-identification.pdf", "tier": "T1", "date": "© 2024 JPMorgan Chase & Co. (accessed 2026-07-08)" } ] } }, "caveats": [ "Several requirements cited here (acceptable ID forms, the US-address rule, originals-only documents, the OFAC-country note) come from Chase's personal-checking identification sheet dated 2024; Chase publishes no equivalent business-account document.", "The US-address rule applies to one of the two required ID documents, and Chase's ID sheet presents having a US address before opening as advisable rather than a blanket documentary requirement.", "Acceptance of foreign-owned US LLCs is inferred from Chase's KYC form fields (citizenship question for 10%+ owners, ITIN and passport acceptance); Chase publishes no statement that foreign-owned LLCs are accepted.", "Chase publishes no restricted-country list; citizens of OFAC-sanctioned countries face additional ID requirements per the ID sheet. Absence of a published list does not indicate acceptance for any specific country.", "Whether the online application flow accepts applicants with an ITIN only (no SSN) is not stated anywhere on chase.com.", "No published statement on marketplace payout acceptance (e.g. Amazon, Stripe) was found." ] }, { "id": "bank-of-america", "display_name": "Bank of America Small Business", "website": "https://www.bankofamerica.com", "provider_type": "bank", "partner_banks": null, "non_resident_stance": "us_persons_only", "entity": { "summary": "Requires a US-formed entity with primary operations in the US; business tax ID (EIN) or SSN listed as application requirements for LLC business checking, per provider's application-requirements page.", "evidence": [ { "url": "https://business.bankofamerica.com/en/deposits/checking-accounts/limited-liability-company-application-requirements", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "residency": { "summary": "SSN listed for everyone on the application, including 25%+ owners and the controlling manager; applicants are expected to be US residents and US-based; no ITIN substitute documented on official pages.", "ssn_itin": "ssn_required", "evidence": [ { "url": "https://business.bankofamerica.com/en/deposits/checking-accounts/limited-liability-company-application-requirements", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "rails": { "summary": "Deposits held directly at a chartered national bank; deposit products provided by Bank of America, N.A. and affiliated Member-FDIC banks, not a partner-bank pass-through structure.", "rails_type": "direct_bank_account", "evidence": [ { "url": "https://business.bankofamerica.com/en/deposits/checking-accounts", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "fdic": { "summary": "Direct FDIC member bank: deposit products provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation, per the business checking disclosure.", "evidence": [ { "url": "https://business.bankofamerica.com/en/deposits/checking-accounts", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "onboarding": { "summary": "Online, phone, and branch application channels published; online applications can complete the same day per provider. Foreign business customers are unable to apply, per the LLC application-requirements page.", "remote": "conditional", "evidence": [ { "url": "https://business.bankofamerica.com/en/deposits/checking-accounts", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://business.bankofamerica.com/en/deposits/checking-accounts/limited-liability-company-application-requirements", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "marketplace": null, "restricted_list_url": null, "countries": { "india": { "status": "explicit_restrict", "note": "Covered by blanket bar: foreign business customers are unable to apply, per provider's LLC application page; no country-specific policy published.", "evidence": [ { "url": "https://business.bankofamerica.com/en/deposits/checking-accounts/limited-liability-company-application-requirements", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "china": { "status": "explicit_restrict", "note": "Covered by blanket bar: foreign business customers are unable to apply, per provider's LLC application page; no country-specific policy published.", "evidence": [ { "url": "https://business.bankofamerica.com/en/deposits/checking-accounts/limited-liability-company-application-requirements", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "uk": { "status": "explicit_restrict", "note": "Covered by blanket bar: foreign business customers are unable to apply, per provider's LLC application page; no country-specific policy published.", "evidence": [ { "url": "https://business.bankofamerica.com/en/deposits/checking-accounts/limited-liability-company-application-requirements", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "canada": { "status": "explicit_restrict", "note": "Covered by blanket bar: foreign business customers are unable to apply, per provider's LLC application page; no country-specific policy published.", "evidence": [ { "url": "https://business.bankofamerica.com/en/deposits/checking-accounts/limited-liability-company-application-requirements", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "pakistan": { "status": "explicit_restrict", "note": "Covered by blanket bar: foreign business customers are unable to apply, per provider's LLC application page; no country-specific policy published.", "evidence": [ { "url": "https://business.bankofamerica.com/en/deposits/checking-accounts/limited-liability-company-application-requirements", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "nigeria": { "status": "explicit_restrict", "note": "Covered by blanket bar: foreign business customers are unable to apply, per provider's LLC application page; no country-specific policy published.", "evidence": [ { "url": "https://business.bankofamerica.com/en/deposits/checking-accounts/limited-liability-company-application-requirements", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "turkey": { "status": "explicit_restrict", "note": "Covered by blanket bar: foreign business customers are unable to apply, per provider's LLC application page; no country-specific policy published.", "evidence": [ { "url": "https://business.bankofamerica.com/en/deposits/checking-accounts/limited-liability-company-application-requirements", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "brazil": { "status": "explicit_restrict", "note": "Covered by blanket bar: foreign business customers are unable to apply, per provider's LLC application page; no country-specific policy published.", "evidence": [ { "url": "https://business.bankofamerica.com/en/deposits/checking-accounts/limited-liability-company-application-requirements", "tier": "T1", "date": "accessed 2026-07-08" } ] } }, "caveats": [ "The country list in the provider's site Terms & Conditions (Cuba, Iran, Iraq, Libya, North Korea, Sudan, Syria) is website-access boilerplate, not an account-eligibility list; several listed countries are no longer under comprehensive US sanctions.", "The foreign-customer exclusion is worded for the application process ('unable to apply at this time'); no published statement addresses whether a non-resident owner can open an account in person at a branch." ] }, { "id": "wells-fargo", "display_name": "Wells Fargo Business Banking", "website": "https://www.wellsfargo.com", "provider_type": "bank", "partner_banks": null, "non_resident_stance": "us_persons_only", "entity": { "summary": "Requires a US-registered business with government-registration documents; for an LLC, formation documents. A physical address is required — registered-agent, virtual, and PO/commercial-mailbox addresses are not accepted.", "evidence": [ { "url": "https://www.wellsfargo.com/biz/required-documents/", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "residency": { "summary": "Per provider's business FAQ, every signer on a business account is required to provide a Social Security number; no ITIN alternative is published for business signers. Consumer accounts accept SSN or ITIN.", "ssn_itin": "ssn_required", "evidence": [ { "url": "https://www.wellsfargo.com/biz/help/faqs/accounts/", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://www.wellsfargo.com/help/checking-savings/open-close-account-faqs/", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "rails": { "summary": "Deposit accounts are held directly at Wells Fargo Bank, N.A., a national bank, with the bank's own state-based ABA routing numbers and account numbers.", "rails_type": "direct_bank_account", "evidence": [ { "url": "https://www.wellsfargo.com/help/routing-number/", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "fdic": { "summary": "Wells Fargo Bank, N.A. is an FDIC member; deposit pages carry the footer disclosure that deposit products are offered by Wells Fargo Bank, N.A., Member FDIC.", "evidence": [ { "url": "https://www.wellsfargo.com/biz/required-documents/", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "onboarding": { "summary": "Online application available for most business checking and savings accounts, subject to per-signer SSN and physical-address requirements; multi-owner businesses open in-branch, with notarized forms for absent owners.", "remote": "conditional", "evidence": [ { "url": "https://www.wellsfargo.com/biz/help/faqs/accounts/", "tier": "T1", "date": "accessed 2026-07-08" }, { "url": "https://www.wellsfargo.com/biz/required-documents/", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "marketplace": { "summary": "No published marketplace-payout statement; the business FAQ lists ACH credits and incoming wires among available deposit methods.", "evidence": [ { "url": "https://www.wellsfargo.com/biz/required-documents/", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "restricted_list_url": null, "countries": { "india": { "status": "unknown", "note": "No published country-level policy found.", "evidence": [] }, "china": { "status": "unknown", "note": "No published country-level policy found.", "evidence": [] }, "uk": { "status": "unknown", "note": "No published country-level policy found.", "evidence": [] }, "canada": { "status": "unknown", "note": "No published country-level policy found. Canadian driver's license/ID (English, non-Quebec) accepted as owner ID only; per-signer SSN rule still applies.", "evidence": [ { "url": "https://www.wellsfargo.com/biz/help/faqs/accounts/", "tier": "T1", "date": "accessed 2026-07-08" } ] }, "pakistan": { "status": "unknown", "note": "No published country-level policy found.", "evidence": [] }, "nigeria": { "status": "unknown", "note": "No published country-level policy found.", "evidence": [] }, "turkey": { "status": "unknown", "note": "No published country-level policy found.", "evidence": [] }, "brazil": { "status": "unknown", "note": "No published country-level policy found.", "evidence": [] } }, "caveats": [ "The address ban (no registered-agent, virtual, or PO/commercial-mailbox addresses) is a published rule for business deposit accounts; the provider's pages do not address foreign-owned single-member US LLCs specifically.", "SSN-or-ITIN acceptance and the in-branch application path for non-permanent US residents apply to consumer (personal) accounts only; business accounts are governed by the per-signer SSN rule, with no published ITIN alternative for business signers.", "The business required-documents page requires a physical address without stating it is a US address; the explicit physical-US-address requirement is published only for consumer accounts.", "Wells Fargo publishes no restricted or prohibited country list for account opening; country-level rows reflect the absence of any published country-of-residence policy, not acceptance or restriction." ] } ], "evidence_appendix": [ { "provider": "Grasshopper Bank (grasshopper.bank)", "restricted_list_url": null, "claims": [ { "dimension": "entity_requirement", "country": null, "value": "Requires a US entity with EIN/Tax ID and formation documents; beneficial-owner info required for 25%+ owners", "quote": "Beneficial owner information will be required for each individual who owns 25% or more, directly or indirectly, of the company.", "source_url": "https://www.grasshopper.bank/faqs/what-is-needed-to-open-an-account-3/", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "residency_ssn_itin", "country": null, "value": "Beneficial owner must be a US citizen or permanent US resident with a verifiable US address; foreign passport alone NOT sufficient — non-resident founders are ineligible", "quote": "To open an account, you must be 18 years of age or older and a U.S. citizen or permanent U.S. resident with a verifiable address in one of the 50 states or District of Columbia.", "source_url": "https://www.grasshopper.bank/faqs/who-can-open-an-innovator-business-checking-account/", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "residency_ssn_itin", "country": null, "value": "SSN/Tax ID number required for applicants and authorized signers", "quote": "SSN/Tax ID number", "source_url": "https://www.grasshopper.bank/faqs/what-is-needed-to-open-an-account-3/", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "account_rails", "country": null, "value": "Real demand deposit account at a directly chartered bank (Grasshopper Bank, N.A.) with its own ABA routing number 026015024 — not an FBO/virtual wallet; no partner bank", "quote": "ABA Routing Number: 026015024. This routing number is used for all our direct business and commercial banking clients.", "source_url": "https://www.grasshopper.bank/faqs/what-is-the-banks-routing-number/", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "fdic_structure", "country": null, "value": "Direct FDIC member bank; standard $250K coverage, with optional ICS sweep program extending coverage up to $125M across partner banks", "quote": "Member FDIC", "source_url": "https://www.grasshopper.bank/llc-business-checking-account/", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "remote_onboarding", "country": null, "value": "Fully online/remote onboarding for eligible (US-resident) applicants; photo ID + selfie with photo ID required", "quote": "in as little as 5 minutes from any device—no lines, no hassle", "source_url": "https://www.grasshopper.bank/llc-business-checking-account/", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "restricted_countries", "country": null, "value": "No published restricted/prohibited country list found; instead a blanket US citizen/permanent-resident + US address requirement excludes all foreign-resident founders", "quote": "To open an account, you must be 18 years of age or older and a U.S. citizen or permanent U.S. resident with a verifiable address in one of the 50 states or District of Columbia. U.S. Territories, including Puerto Rico, are ineligible.", "source_url": "https://www.grasshopper.bank/faqs/who-can-open-an-innovator-business-checking-account/", "source_tier": "T1", "source_date": "accessed 2026-07-08" } ], "unknowns": [ "country_acceptance: India — no explicit per-country statement (blanket US-residency requirement excludes all non-US residents, but no country is named)", "country_acceptance: China — no explicit per-country statement", "country_acceptance: United Kingdom — no explicit per-country statement", "country_acceptance: Canada — no explicit per-country statement", "country_acceptance: Pakistan — no explicit per-country statement", "country_acceptance: Nigeria — no explicit per-country statement", "country_acceptance: Turkey — no explicit per-country statement", "country_acceptance: Brazil — no explicit per-country statement", "marketplace_payouts: no provider statement found about Amazon/Stripe/marketplace payout acceptance (though the direct ABA routing number 026015024 is documented under account_rails)", "residency_ssn_itin: whether ITIN is accepted in place of SSN — FAQ says only 'SSN/Tax ID number' without defining accepted Tax ID types" ] }, { "provider": "Found (found.com)", "restricted_list_url": "https://found.com/help/using-found/prohibited-businesses", "claims": [ { "dimension": "entity_requirement", "country": null, "value": "Supports US sole proprietors, single/multi-member LLCs, corporations, and partnerships; LLCs require an EIN at account opening", "quote": "Found can support a variety of business types, such as sole proprietors, single and multi-member LLCs, corporations, including those taxed as S-Corps, and partnerships. ... As an LLC, your EIN is required during the account opening process in order to verify your business.", "source_url": "https://found.com/help/getting-started/can-i-have-an-llc", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "entity_requirement", "country": null, "value": "Foreign-owned entities and entities based outside the United States are explicitly PROHIBITED — a foreign-owned single-member US LLC cannot open a Found account", "quote": "Activity initiated by foreign-owned entities, or entities based outside the United States", "source_url": "https://found.com/help/using-found/prohibited-businesses", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "residency_ssn_itin", "country": null, "value": "Account holder must be a US citizen or lawful permanent resident with a US physical address", "quote": "The Account is available to United States citizens or lawful permanent residents of the fifty (50) United States (\"U.S.\") or the District of Columbia who are at least eighteen (18) years of age", "source_url": "https://found.com/legal/lead-account-terms", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "residency_ssn_itin", "country": null, "value": "Valid SSN required; ITIN explicitly NOT accepted; foreign passport alone is not sufficient", "quote": "Note that Individual Taxpayer Identification Numbers (ITINs) are not accepted — a valid SSN is required to open a Found account.", "source_url": "https://found.com/help/getting-started/why-do-i-need-an-ssn-for-opening-a-business-account", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "residency_ssn_itin", "country": null, "value": "Service availability is US-only, restricted to customers with valid US addresses and Social Security numbers", "quote": "Found is only available in the United States, to customers with valid U.S. addresses and social security numbers.", "source_url": "https://found.com/help/getting-started/can-i-use-found-internationally", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "account_rails", "country": null, "value": "Account has its own ACH routing + account number, but is legally an FBO subaccount of an omnibus account held at Lead Bank (not a directly-titled DDA)", "quote": "Your Found account comes with its own bank account and routing number. You can use these to transfer funds into your account, as well as to make payments.", "source_url": "https://found.com/help/using-found/using-your-account-and-routing-number", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "account_rails", "country": null, "value": "Partner bank is Lead Bank (current); site footer confirms Found is a fintech, not a bank", "quote": "Found is a financial technology company, not a bank. Banking services are provided by Lead Bank, Member FDIC.", "source_url": "https://found.com/legal", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "fdic_structure", "country": null, "value": "Pass-through FDIC insurance via omnibus/FBO subaccount structure at Lead Bank, up to $250,000 per depositor", "quote": "The funds in your account are FDIC-insured up to $250,000 per depositor for each account ownership category. FDIC insurance only covers the failure of an FDIC-insured depository institution.", "source_url": "https://found.com/legal", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "remote_onboarding", "country": null, "value": "Fully online/app signup; required info is legal name, US residential address, DOB, and SSN — no in-person visit, but effectively closed to non-US-resident founders", "quote": "Your full legal name ... Your U.S. residential address ... Your date of birth ... Your Social Security Number (SSN) for verification purposes only", "source_url": "https://found.com/help/getting-started/how-to-get-found", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "restricted_countries", "country": null, "value": "No dedicated restricted-country list published; instead a blanket prohibition on foreign-owned entities / entities based outside the US in the prohibited-businesses list", "quote": "Activity initiated by foreign-owned entities, or entities based outside the United States", "source_url": "https://found.com/help/using-found/prohibited-businesses", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "India", "value": "Restricted: founders resident in India are excluded by blanket US-only policy (country not individually named)", "quote": "Found is only available in the United States, to customers with valid U.S. addresses and social security numbers.", "source_url": "https://found.com/help/getting-started/can-i-use-found-internationally", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "China", "value": "Restricted: founders resident in China are excluded by blanket US-only policy (country not individually named)", "quote": "Found is only available in the United States, to customers with valid U.S. addresses and social security numbers.", "source_url": "https://found.com/help/getting-started/can-i-use-found-internationally", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "United Kingdom", "value": "Restricted: founders resident in the United Kingdom are excluded by blanket US-only policy (country not individually named)", "quote": "Found is only available in the United States, to customers with valid U.S. addresses and social security numbers.", "source_url": "https://found.com/help/getting-started/can-i-use-found-internationally", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "Canada", "value": "Restricted: founders resident in Canada are excluded by blanket US-only policy (country not individually named)", "quote": "Found is only available in the United States, to customers with valid U.S. addresses and social security numbers.", "source_url": "https://found.com/help/getting-started/can-i-use-found-internationally", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "Pakistan", "value": "Restricted: founders resident in Pakistan are excluded by blanket US-only policy (country not individually named)", "quote": "Found is only available in the United States, to customers with valid U.S. addresses and social security numbers.", "source_url": "https://found.com/help/getting-started/can-i-use-found-internationally", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "Nigeria", "value": "Restricted: founders resident in Nigeria are excluded by blanket US-only policy (country not individually named)", "quote": "Found is only available in the United States, to customers with valid U.S. addresses and social security numbers.", "source_url": "https://found.com/help/getting-started/can-i-use-found-internationally", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "Turkey", "value": "Restricted: founders resident in Turkey are excluded by blanket US-only policy (country not individually named)", "quote": "Found is only available in the United States, to customers with valid U.S. addresses and social security numbers.", "source_url": "https://found.com/help/getting-started/can-i-use-found-internationally", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "Brazil", "value": "Restricted: founders resident in Brazil are excluded by blanket US-only policy (country not individually named)", "quote": "Found is only available in the United States, to customers with valid U.S. addresses and social security numbers.", "source_url": "https://found.com/help/getting-started/can-i-use-found-internationally", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "marketplace_payouts", "country": null, "value": "Explicitly supports payouts from Square, Shopify, Etsy, Stripe and other online platforms via the account's own account + routing number", "quote": "If you use Square, Shopify, Etsy, or other online platforms to run your business, get paid out directly into your Found account. ... In the other platform's settings, add Found as an external bank account using your Found account number and routing number", "source_url": "https://found.com/help/banking/how-to-get-paid", "source_tier": "T1", "source_date": "accessed 2026-07-08" } ], "unknowns": [ "routing number type (whether the Lead Bank routing number is a standard ABA accepting incoming domestic/international wires vs ACH-only) — no Found page fetched states this", "Amazon seller payouts specifically — Found help names Square/Shopify/Etsy/Stripe/PayPal but no fetched page explicitly names Amazon", "exact KYC document list beyond SSN/name/DOB/address (no passport or video-KYC documentation found — moot given SSN-only policy)", "whether IntraFi sweep placement is default or opt-in (terms reference IntraFi Network but the verbatim mechanics sentence was not captured)", "dedicated restricted/prohibited COUNTRY list — none exists; only the prohibited-businesses list with a blanket foreign-entity prohibition" ] }, { "provider": "Wise Business (US business account) (wise.com)", "restricted_list_url": "https://wise.com/help/articles/2810318/can-i-get-usd-account-details", "claims": [ { "dimension": "entity_requirement", "country": null, "value": "US business verification requires business name, company type, and EIN (SSN/TIN only if sole proprietor)", "quote": "We’ll ask for basic business details including: your business name, your company type, Employer/Taxpayer Identification Number (EIN), SSN or TIN if you are a Sole Proprietor", "source_url": "https://wise.com/help/articles/2953878/verify-your-us-business", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "entity_requirement", "country": null, "value": "US business trading address must be a physical location — registration-agency, mail-forwarding, and virtual addresses are not accepted", "quote": "This address has to be a physical location, we can’t accept PO boxes (except military PO boxes), Registration agencies, Mail forwarding services, Virtual addresses. We will eventually ask you for a proof of address document for your business.", "source_url": "https://wise.com/help/articles/2953878/verify-your-us-business", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "entity_requirement", "country": null, "value": "Businesses registered in Nevada and US territories cannot be onboarded", "quote": "Due to licensing limitations, we’re unable to onboard businesses from Nevada, and US territories (American Samoa, Guam, Mariana Islands, Virgin Islands).", "source_url": "https://wise.com/help/articles/2953878/verify-your-us-business", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "residency_ssn_itin", "country": null, "value": "Non-US beneficial owners do not need an SSN — a photo ID copy is requested instead; SSN is asked only of beneficial owners who reside in the US or hold a US passport", "quote": "We’ll also ask for the SSN of the beneficial owners that reside in the US or have a US passport. For the non-US beneficial owners we’ll request a copy of a photo ID.", "source_url": "https://wise.com/help/articles/2953878/verify-your-us-business", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "residency_ssn_itin", "country": null, "value": "SSN/ITIN is a US-resident requirement; non-US citizens are asked for a non-US ID, and an ID + selfie fallback exists", "quote": "If you live in the US, we might need your Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN) when making a transfer from USD, ordering a Wise card or opening USD account details. ... If your SSN or ITIN isn't accepted, you'll also have an option to verify yourself with an ID and your selfie. If you’re not a US citizen, we’ll ask for your non-US ID.", "source_url": "https://wise.com/help/articles/2747380/getting-verified-in-the-us", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "account_rails", "country": null, "value": "USD account details are explicitly NOT a bank account — they are receiving details (own account number + routing number) processed by a partner institution", "quote": "Once you have your USD account details, you’ll have your own account and routing number where you can receive United States dollars. This isn’t a bank account, but you can receive money in the same way by sharing the details with friends, family, clients or companies, so that they can send you money.", "source_url": "https://wise.com/help/articles/2827506/how-do-i-use-my-usd-account-details", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "account_rails", "country": null, "value": "Routing number is an ACH+Wire routing number (ending 3150, 9519, or 9628) belonging to Wise's partner institution; account type presents as Checking", "quote": "ACH or Wire routing number - your routing number ending in 3150, 9519, or 9628 ... Account type – Checking. Bank name and address – our partner institution’s details that processes your incoming payments.", "source_url": "https://wise.com/help/articles/2827506/how-do-i-use-my-usd-account-details", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "fdic_structure", "country": null, "value": "Wise is a Money Services Business, not an FDIC-insured bank; funds get FDIC pass-through insurance ONLY if the customer opts in to the Wise interest feature", "quote": "Wise is a Money Services Business, not a bank. This means Wise is not an FDIC-insured bank and deposit insurance only covers the failure of an insured bank. ... Customers who do not opt in to receive the Wise interest feature on eligible currencies* do not receive the pass-through FDIC insurance benefit for funds held at Wise.", "source_url": "https://wise.com/us/blog/is-wise-fdic-insured", "source_tier": "T2", "source_date": "2024-11-26 (page dated 26.11.24, 'updated more than 1 year ago')" }, { "dimension": "fdic_structure", "country": null, "value": "The pass-through/sweep Program Bank for the interest feature is JPMorgan Chase Bank, N.A.; coverage up to 250,000 USD", "quote": "*The current Program Bank is JPMorgan Chase Bank, N.A., see Appendix 1 of the Program Agreement for the most updated list of Program Bank(s). Eligible customers must opt in to the interest feature. Participants will have the balance of their USD funds held in their Wise Multi-Currency Account \"swept\" into a Federal Deposit Insurance Corporation (\"FDIC\") insured account at one or more participating banks", "source_url": "https://wise.com/us/blog/is-wise-fdic-insured", "source_tier": "T2", "source_date": "2024-11-26 (page dated 26.11.24)" }, { "dimension": "fdic_structure", "country": null, "value": "FDIC pass-through (interest feature) is limited to US-based customers with a US profile address and verified SSN/EIN — non-US-resident founders are effectively excluded from FDIC coverage", "quote": "To be eligible for the interest feature, you need to: Be a US-based customer, Have a US-based profile address, Have a verified SSN/EIN so Wise can report your taxes correctly, Live outside of New York or Alaska (where this feature isn't currently available)", "source_url": "https://wise.com/us/blog/is-wise-fdic-insured", "source_tier": "T2", "source_date": "2024-11-26 (page dated 26.11.24)" }, { "dimension": "remote_onboarding", "country": null, "value": "Identity verification is document-based and remote (photo ID + selfie option); no in-person or branch requirement is stated anywhere in the onboarding help articles", "quote": "If your SSN or ITIN isn't accepted, you'll also have an option to verify yourself with an ID and your selfie. If you’re not a US citizen, we’ll ask for your non-US ID.", "source_url": "https://wise.com/help/articles/2747380/getting-verified-in-the-us", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "restricted_countries", "country": null, "value": "Wise publishes a country list where USD account details are unavailable; it includes Nigeria, Pakistan, Türkiye, China, UAE, Bangladesh, Sri Lanka, Russia, Ukraine and others (plus the US state of Nevada)", "quote": "You can't get USD account details if your address is in: Afghanistan, Bangladesh, Belarus, Burundi, Cameroon, Central African Republic, Chad, China, Congo (Republic of), Congo (Democratic Republic of the), Cuba, Eritrea, Guinea-Bissau, Iran, Iraq, Libya, Myanmar, Nevada, Nigeria, North Korea, Pakistan, Russia, Serbia, Somalia, South Sudan, Sri Lanka, Sudan, Syria, Türkiye, United Arab Emirates, Ukraine, Venezuela, Yemen", "source_url": "https://wise.com/help/articles/2810318/can-i-get-usd-account-details", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "United Kingdom", "value": "Accepts founders resident in the United Kingdom — UK is on the supported hold-money country list and absent from the USD-details unavailable list", "quote": "You can hold money in your account if you live in one of the following countries and territories: ... United Kingdom, United States*, Uruguay", "source_url": "https://wise.com/help/articles/2813542/where-do-i-need-to-live-to-hold-money-with-wise", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "Canada", "value": "Accepts founders resident in Canada — Canada is on the supported hold-money country list and absent from the USD-details unavailable list", "quote": "You can hold money in your account if you live in one of the following countries and territories: ... Canada, Cayman Islands, Chile, China, Colombia, Costa Rica, Croatia, Cyprus, Czechia", "source_url": "https://wise.com/help/articles/2813542/where-do-i-need-to-live-to-hold-money-with-wise", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "China", "value": "China residents can hold money with Wise, but CANNOT get USD account details (address in China is on the USD-details unavailable list)", "quote": "You can't get USD account details if your address is in: ... Cameroon, Central African Republic, Chad, China, Congo (Republic of), Congo (Democratic Republic of the), Cuba", "source_url": "https://wise.com/help/articles/2810318/can-i-get-usd-account-details", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "Nigeria", "value": "Restricted: founders with an address in Nigeria cannot get USD account details; Nigeria is also absent from the supported hold-money country list", "quote": "You can't get USD account details if your address is in: ... Nevada, Nigeria, North Korea", "source_url": "https://wise.com/help/articles/2810318/can-i-get-usd-account-details", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "Pakistan", "value": "Restricted: founders with an address in Pakistan cannot get USD account details; Pakistan is also absent from the supported hold-money country list", "quote": "You can't get USD account details if your address is in: ... Pakistan", "source_url": "https://wise.com/help/articles/2810318/can-i-get-usd-account-details", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "Turkey", "value": "Restricted: founders with an address in Türkiye cannot get USD account details; Türkiye is also absent from the supported hold-money country list", "quote": "You can't get USD account details if your address is in: ... Türkiye", "source_url": "https://wise.com/help/articles/2810318/can-i-get-usd-account-details", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "Brazil", "value": "Restricted: Brazil residents can only hold BRL, not USD — so a Brazil-resident founder cannot hold USD balances or use USD receiving details as their primary rail", "quote": "Brazil — you can only hold BRL if you reside in Brazil", "source_url": "https://wise.com/help/articles/2813542/where-do-i-need-to-live-to-hold-money-with-wise", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "India", "value": "Restricted/partial: India is NOT in the main list of countries where you can hold money; a special note says India residents can hold money only when travelling overseas, and Indian business accounts hold a limited currency set", "quote": "India — you can hold money in your account when travelling overseas. Read more here", "source_url": "https://wise.com/help/articles/2813542/where-do-i-need-to-live-to-hold-money-with-wise", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "marketplace_payouts", "country": null, "value": "Wise USD account details can be linked to Amazon US for local (domestic) payouts; Wise details work with Amazon worldwide for local payouts only", "quote": "Your Wise account details can be used with Amazon worldwide, but only for local payouts — this means you can link your USD account details to receive payments from Amazon US, or your EUR IBAN to receive payments from Amazon EU.", "source_url": "https://wise.com/help/articles/2968914/how-do-i-receive-money-from-amazon-with-wise", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "marketplace_payouts", "country": null, "value": "Wise USD account details can receive Stripe payouts (USD among 14 supported payout currencies); some currencies won't work", "quote": "You can link your Wise account to Stripe to receive money. It only works with some account details. ... You can receive payments in CAD, CHF, DKK, HKD, HUF, JPY*, NOK, NZD, PLN, RON, SEK, SGD, USD, and ZAR. ... Payments in AED, AUD, CNY, CZK, ILS, and UGX won’t work, even if you can connect the details in the Stripe platform.", "source_url": "https://wise.com/help/articles/2977935/how-do-i-receive-money-from-stripe-with-wise", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "marketplace_payouts", "country": null, "value": "Wise describes its USD ACH rail as commonly used for platform earnings and direct deposits; receiving limits start at 20 million USD and ACH receiving is free", "quote": "ACH is commonly used for salary, direct deposits, platform earnings and any non-urgent payment.", "source_url": "https://wise.com/help/articles/2827506/how-do-i-use-my-usd-account-details", "source_tier": "T1", "source_date": "accessed 2026-07-08" } ], "unknowns": [ "entity_requirement/residency interplay: no fetched Wise page explicitly states whether a US-LLC Wise Business account can be opened when the owning founder RESIDES in a country that is not on the hold-money list or is on the USD-details unavailable list (e.g. Nigeria, Pakistan, Türkiye) — the business-registration country vs owner-residence rule is not documented in one place", "residency_ssn_itin: whether an ITIN (as opposed to SSN or foreign photo ID) is specifically accepted for the business account OWNER — the help article says only 'your SSN and/or ID'", "remote_onboarding: no explicit Wise statement that signup is 'fully remote / no branch visit required' — inferred from the documented ID+selfie flow only, so recorded at medium confidence rather than as a hard claim", "country_acceptance: India — exact USD-account-details availability for India-resident business owners (the '*Learn what currencies Indian business accounts can hold' detail page was not fetched)", "account_rails: Wise does not explicitly name Community Federal Savings Bank as its USD partner in the help center — the CFSB identification is a join between the 'routing ending in 3150' help-article statement and Wise's own routing-number directory page; the identity of the banks behind the 9519 and 9628 routing endings was not found", "fdic_structure: no explicit Wise statement addressing FDIC status specifically for non-US-resident customers (derived from the interest-feature eligibility criteria: US-based customer + US profile address + SSN/EIN)", "marketplace_payouts: routing number TYPE classification (e.g. whether marketplaces treat it as a standard ABA checking routing number vs a flagged virtual-account range) — Wise states 'Account type – Checking' but publishes no statement about payout-acceptance rates or rejections by specific platforms" ] }, { "provider": "Bluevine", "restricted_list_url": "https://support.bluevine.com/s/article/How-do-I-apply-for-a-Bluevine-Business-Checking-Account", "claims": [ { "dimension": "entity_requirement", "country": null, "value": "Requires a US-registered business entity; international-owner program requires a U.S.-registered LLC or Corporation with a valid EIN", "quote": "U.S.-registered LLC or Corporation ... Valid EIN ... Valid passport ... Residency in a supported country", "source_url": "https://www.bluevine.com/us-business-banking-features-for-international-owners", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "entity_requirement", "country": null, "value": "EIN is mandatory for LLCs/corporations; other tax IDs do not suffice", "quote": "You'll need to provide your Employer Identification Number (EIN). As a corporation, LLC, or LLP, other forms of Tax IDs won't suffice for our application right now.", "source_url": "https://www.bluevine.com/help-center/getting-started/how-to-apply-business-checking-account", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "residency_ssn_itin", "country": null, "value": "Non-US residents in supported countries can apply with a valid passport instead of an SSN, plus a US legal address (physical or non-physical); no US SSN required", "quote": "You'll need a valid passport, instead of a SSN, and a legal address (physical or non-physical) located in the U.S.", "source_url": "https://www.bluevine.com/faq", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "residency_ssn_itin", "country": null, "value": "US applicants provide SSN; international applicants provide passport information", "quote": "For international business owners, you'll be asked to provide your passport information and upload an image of your passport.", "source_url": "https://support.bluevine.com/s/article/How-do-I-apply-for-a-Bluevine-Business-Checking-Account", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "account_rails", "country": null, "value": "Real demand deposit account with its own ACH routing number (125109019) and unique account number; banking services provided by Coastal Community Bank", "quote": "Banking Services for payments made via ACH or wire from the Bluevine Business Checking Account are provided by Coastal Community Bank, Member FDIC.", "source_url": "https://support.bluevine.com/s/article/How-do-I-share-Bluevine-s-routing-number-with-other-banks-and-vendors", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "fdic_structure", "country": null, "value": "Pass-through FDIC insurance up to $3,000,000 per depositor via Coastal Community Bank plus a sweep network of program banks (not a direct FDIC member itself)", "quote": "Bluevine Business Checking accounts are also FDIC-insured up to $3,000,000 per depositor—12 times the standard amount of $250,000—through Coastal Community Bank, Member FDIC and their sweeps program banks", "source_url": "https://www.bluevine.com/faq", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "remote_onboarding", "country": null, "value": "Fully remote/online onboarding for international owners: online application with passport-based identity verification, no branch visit mentioned", "quote": "Register in four easy steps. ... Verify your identity using your passport ... Have your account reviewed and approved, if eligible.", "source_url": "https://www.bluevine.com/us-business-banking-features-for-international-owners", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "India", "value": "Accepts founders resident in India (India is on the supported-country list)", "quote": "Australia, Belgium, Canada, Croatia, Czech Republic, Denmark, Finland, Germany, Hungary, India, Ireland, Israel, Italy, Luxembourg, Netherlands, New Zealand, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and the United Kingdom", "source_url": "https://support.bluevine.com/s/article/How-do-I-apply-for-a-Bluevine-Business-Checking-Account", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "United Kingdom", "value": "Accepts founders resident in the United Kingdom (on the supported-country list)", "quote": "Australia, Belgium, Canada, Croatia, Czech Republic, Denmark, Finland, Germany, Hungary, India, Ireland, Israel, Italy, Luxembourg, Netherlands, New Zealand, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and the United Kingdom", "source_url": "https://support.bluevine.com/s/article/How-do-I-apply-for-a-Bluevine-Business-Checking-Account", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "Canada", "value": "Accepts founders resident in Canada (on the supported-country list)", "quote": "Australia, Belgium, Canada, Croatia, Czech Republic, Denmark, Finland, Germany, Hungary, India, Ireland, Israel, Italy, Luxembourg, Netherlands, New Zealand, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and the United Kingdom", "source_url": "https://support.bluevine.com/s/article/How-do-I-apply-for-a-Bluevine-Business-Checking-Account", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "marketplace_payouts", "country": null, "value": "Account receives unlimited incoming ACH and domestic wires on a single (real ACH) routing number; direct deposit setup supported with own routing + account number", "quote": "Receive unlimited ACH and domestic wires with a single routing number—and no fees from us.", "source_url": "https://www.bluevine.com/us-business-banking-features-for-international-owners", "source_tier": "T1", "source_date": "accessed 2026-07-08" } ], "unknowns": [ "ITIN acceptance — no fetched Bluevine page mentions ITIN at all (only SSN for US applicants and passport for international)", "Explicit provider statement that Amazon/Stripe/marketplace payouts are accepted by name (only generic unlimited-incoming-ACH and an eligible merchant-services list found)", "Video KYC or specific proof-of-address document requirements for international applicants beyond passport + US legal address", "Whether the required US legal address for international owners may be a virtual/mail-service address (help center bans P.O. box / mail service / registered-agent addresses for the business address, while the FAQ allows a 'non-physical' US legal address — not reconciled on any fetched page)", "Entity-type restrictions for international owners beyond LLC/Corporation (sole proprietorship/nonprofit exclusion appeared only in a PR Newswire summary, not on a fetched Bluevine page)" ] }, { "provider": "Novo (novo.co)", "restricted_list_url": null, "claims": [ { "dimension": "residency_ssn_itin", "country": null, "value": "US residency, SSN, US cell phone number, and US address are all mandatory; foreign passport alone is NOT sufficient; non-US-resident owners are not eligible", "quote": "Currently, we only open accounts for business owners who reside within the U.S. The business must also be registered in the U.S. to be eligible. Applicants and other owners must have a Social Security number, a U.S. cell phone number, and a U.S. address to complete the application. While this is something that may change in the future as we continue to scale and grow, these domestic requirements are mandatory at this time.", "source_url": "https://novo.zendesk.com/hc/en-us/articles/360043805811-Is-Novo-available-for-businesses-or-owners-outside-of-the-United-States", "source_tier": "T1", "source_date": "accessed 2026-07-08 (article shows 'Updated 4 months ago' ≈ 2026-03)" }, { "dimension": "residency_ssn_itin", "country": null, "value": "All beneficial-owner business partners must also provide an SSN (no ITIN/passport substitute stated in the operational help center)", "quote": "Your ultimate beneficial owner business partner must be able to provide an SSN. During the application process, any additional business owners must be added to the application if they own more than 25% of the business.", "source_url": "https://novo.zendesk.com/hc/en-us/articles/360056200171-What-if-my-business-partner-does-not-have-an-SSN", "source_tier": "T1", "source_date": "accessed 2026-07-08 (article shows 'Updated 2 years ago')" }, { "dimension": "account_rails", "country": null, "value": "Real US business checking account with its own ACH routing number 211370150 and unique account number; Novo is a fintech (not a bank) sponsored by Middlesex Federal Savings, F.A.", "quote": "The routing number for Novo accounts is 211370150. The bank name associated with this routing number is Middlesex Federal Savings, FA.", "source_url": "https://novo.zendesk.com/hc/en-us/articles/360043409731-Where-can-I-find-my-account-and-routing-numbers", "source_tier": "T1", "source_date": "accessed 2026-07-08 (article shows 'Updated 4 months ago' ≈ 2026-03)" }, { "dimension": "fdic_structure", "country": null, "value": "Pass-through FDIC insurance via sponsor bank Middlesex Federal Savings, F.A. (Member FDIC), up to $250,000; Novo itself is not a bank", "quote": "Novo is also sponsored with Middlesex federal savings, an FDIC insured bank. This means that the deposits on your account are held by Middlesex Federal Savings and are insured by the federal government for up to $250,000.", "source_url": "https://novo.zendesk.com/hc/en-us/articles/360043354292-How-are-my-funds-secure-with-Novo", "source_tier": "T1", "source_date": "accessed 2026-07-08 (article shows 'Updated 1 year ago')" }, { "dimension": "remote_onboarding", "country": null, "value": "Fully online/digital application with no branch visit; but requires US government-acceptable ID, US SSN, US address, and a US-carrier mobile phone — so remote signup is only for US residents", "quote": "Novo requires that all applicants have a copy of their unexpired, government-issued ID (U.S. Driver's license, U.S. State ID, or Passport), a mobile phone serviced by one of the major U.S. carriers, a U.S. Social Security number, and a U.S. address to complete the application. All applicants must be at least 18 years old.", "source_url": "https://novo.zendesk.com/hc/en-us/articles/360022599891-What-information-will-I-need-to-provide-in-my-application", "source_tier": "T1", "source_date": "accessed 2026-07-08 (article shows 'Updated 4 months ago' ≈ 2026-03)" }, { "dimension": "restricted_countries", "country": null, "value": "No published per-country restricted/prohibited list; instead a blanket exclusion of all businesses and owners outside the United States", "quote": "Currently, we only open accounts for business owners who reside within the U.S. The business must also be registered in the U.S. to be eligible.", "source_url": "https://novo.zendesk.com/hc/en-us/articles/360043805811-Is-Novo-available-for-businesses-or-owners-outside-of-the-United-States", "source_tier": "T1", "source_date": "accessed 2026-07-08 (article shows 'Updated 4 months ago' ≈ 2026-03)" }, { "dimension": "country_acceptance", "country": "India", "value": "Founders resident in India are restricted (blanket non-US-resident exclusion; India not individually named)", "quote": "Currently, we only open accounts for business owners who reside within the U.S.", "source_url": "https://novo.zendesk.com/hc/en-us/articles/360043805811-Is-Novo-available-for-businesses-or-owners-outside-of-the-United-States", "source_tier": "T1", "source_date": "accessed 2026-07-08 (article shows 'Updated 4 months ago' ≈ 2026-03)" }, { "dimension": "country_acceptance", "country": "China", "value": "Founders resident in China are restricted (blanket non-US-resident exclusion; China not individually named)", "quote": "Currently, we only open accounts for business owners who reside within the U.S.", "source_url": "https://novo.zendesk.com/hc/en-us/articles/360043805811-Is-Novo-available-for-businesses-or-owners-outside-of-the-United-States", "source_tier": "T1", "source_date": "accessed 2026-07-08 (article shows 'Updated 4 months ago' ≈ 2026-03)" }, { "dimension": "country_acceptance", "country": "United Kingdom", "value": "Founders resident in the United Kingdom are restricted (blanket non-US-resident exclusion; UK not individually named)", "quote": "Currently, we only open accounts for business owners who reside within the U.S.", "source_url": "https://novo.zendesk.com/hc/en-us/articles/360043805811-Is-Novo-available-for-businesses-or-owners-outside-of-the-United-States", "source_tier": "T1", "source_date": "accessed 2026-07-08 (article shows 'Updated 4 months ago' ≈ 2026-03)" }, { "dimension": "country_acceptance", "country": "Canada", "value": "Founders resident in Canada are restricted (blanket non-US-resident exclusion; Canada not individually named)", "quote": "Currently, we only open accounts for business owners who reside within the U.S.", "source_url": "https://novo.zendesk.com/hc/en-us/articles/360043805811-Is-Novo-available-for-businesses-or-owners-outside-of-the-United-States", "source_tier": "T1", "source_date": "accessed 2026-07-08 (article shows 'Updated 4 months ago' ≈ 2026-03)" }, { "dimension": "country_acceptance", "country": "Pakistan", "value": "Founders resident in Pakistan are restricted (blanket non-US-resident exclusion; Pakistan not individually named)", "quote": "Currently, we only open accounts for business owners who reside within the U.S.", "source_url": "https://novo.zendesk.com/hc/en-us/articles/360043805811-Is-Novo-available-for-businesses-or-owners-outside-of-the-United-States", "source_tier": "T1", "source_date": "accessed 2026-07-08 (article shows 'Updated 4 months ago' ≈ 2026-03)" }, { "dimension": "country_acceptance", "country": "Nigeria", "value": "Founders resident in Nigeria are restricted (blanket non-US-resident exclusion; Nigeria not individually named)", "quote": "Currently, we only open accounts for business owners who reside within the U.S.", "source_url": "https://novo.zendesk.com/hc/en-us/articles/360043805811-Is-Novo-available-for-businesses-or-owners-outside-of-the-United-States", "source_tier": "T1", "source_date": "accessed 2026-07-08 (article shows 'Updated 4 months ago' ≈ 2026-03)" }, { "dimension": "country_acceptance", "country": "Turkey", "value": "Founders resident in Turkey are restricted (blanket non-US-resident exclusion; Turkey not individually named)", "quote": "Currently, we only open accounts for business owners who reside within the U.S.", "source_url": "https://novo.zendesk.com/hc/en-us/articles/360043805811-Is-Novo-available-for-businesses-or-owners-outside-of-the-United-States", "source_tier": "T1", "source_date": "accessed 2026-07-08 (article shows 'Updated 4 months ago' ≈ 2026-03)" }, { "dimension": "country_acceptance", "country": "Brazil", "value": "Founders resident in Brazil are restricted (blanket non-US-resident exclusion; Brazil not individually named)", "quote": "Currently, we only open accounts for business owners who reside within the U.S.", "source_url": "https://novo.zendesk.com/hc/en-us/articles/360043805811-Is-Novo-available-for-businesses-or-owners-outside-of-the-United-States", "source_tier": "T1", "source_date": "accessed 2026-07-08 (article shows 'Updated 4 months ago' ≈ 2026-03)" }, { "dimension": "marketplace_payouts", "country": null, "value": "Accepts direct-deposit ACH payouts to its own routing number (211370150); official Stripe integration for platform payouts plus Novo Boost faster access to Stripe funds", "quote": "To set up direct deposit ACH transfers into your Novo account, you will need to provide your payer with your Novo account number and routing number. The routing number for Novo accounts is 211370150.", "source_url": "https://novo.zendesk.com/hc/en-us/articles/360043809051-How-can-I-set-up-direct-deposits-into-my-Novo-account", "source_tier": "T1", "source_date": "accessed 2026-07-08 (article shows 'Updated 3 years ago')" } ], "unknowns": [ "ITIN acceptance — no citable Novo policy page states ITIN is accepted in place of SSN; the marketing checklist's 'passport and ITIN for non-U.S. owners' line is a generic industry description ('Almost every provider asks for'), while operational help-center pages require SSN. Treated as unresolved rather than an acceptance claim.", "Routing number type (whether 211370150 is classified ABA vs ACH-only) — no provider statement found on routing-number classification affecting marketplace payout acceptance.", "Amazon payout acceptance specifically — the Amazon-sellers landing page (novo.co/industries/amazon-sellers) is a 404; no live provider statement on Amazon disbursements was found.", "Restricted-country list — none published (blanket US-only policy instead); restricted_list_url is therefore null.", "country_acceptance explicit per-country naming — none of the 8 countries is individually named anywhere on novo.co or the help center; all 8 restrictions derive from the blanket non-US-resident exclusion quoted." ] }, { "provider": "Mercury (mercury.com)", "restricted_list_url": "https://support.mercury.com/hc/en-us/articles/28771710754580-Prohibited-countries", "claims": [ { "dimension": "entity_requirement", "country": null, "value": "Requires a US-formed entity: company must be formed and registered in the United States or a U.S. territory", "quote": "To open a Mercury account, your company must be formed and registered in the United States or a U.S. territory.", "source_url": "https://support.mercury.com/hc/en-us/articles/28770467511060-Eligibility-and-requirements-for-opening-a-Mercury-account", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "entity_requirement", "country": null, "value": "IRS-issued EIN document and state-filed formation documents are required at application", "quote": "You’ll need your company’s official formation documents, your IRS-issued EIN document, and a government ID (e.g., a passport or U.S. government identification document – see all acceptable documents here) for at least one person with operating control of the business, as well as any owner with at least 25% ownership of your company.", "source_url": "https://mercury.com/faq", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "entity_requirement", "country": null, "value": "Foreign-owned US companies (including LLCs founded by people living outside the US) are supported; MSBs, adult entertainment, cannabis, internet gambling, and trusts are excluded", "quote": "Mercury supports most U.S.-registered companies, including those founded by people living outside the U.S. Mercury cannot open accounts for the following industries: Money services businesses (MSBs), Businesses operating in adult entertainment, cannabis, or internet gambling, Trusts", "source_url": "https://support.mercury.com/hc/en-us/articles/28770467511060-Eligibility-and-requirements-for-opening-a-Mercury-account", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "residency_ssn_itin", "country": null, "value": "No US citizenship or residency required for business accounts; beneficial owners living abroad are accepted unless resident in a prohibited country", "quote": "Mercury supports U.S. companies with founders from around the world. You do not need to be a U.S. citizen or resident to apply.", "source_url": "https://support.mercury.com/hc/en-us/articles/28770467511060-Eligibility-and-requirements-for-opening-a-Mercury-account", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "residency_ssn_itin", "country": null, "value": "A foreign passport is sufficient ID for international applicants; SSN/ITIN is not listed among required documents for business applicants", "quote": "US Citizens may provide a Driver’s License, State ID, Passport, or Passport card; US Permanent Residents or Non-Citizens may provide a Permanent Residency Card or Employment Authorization Card; International applicants may provide a Passport", "source_url": "https://support.mercury.com/hc/en-us/articles/28770957425172-Gathering-your-documents", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "account_rails", "country": null, "value": "Real demand deposit accounts with their own routing and account numbers, provided through partner banks Choice Financial Group and Column N.A.; IO credit card issued by Patriot Bank N.A.", "quote": "You’ll be able to find your accounts and their associated routing and account numbers from the Accounts tab on your dashboard.", "source_url": "https://mercury.com/faq", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "account_rails", "country": null, "value": "Customers hold direct contractual agreements with the partner banks; funds held at FDIC-insured partner banks and their sweep network program banks", "quote": "We have direct contractual relationships with each of our bank partners, and each Mercury customer has a direct contractual agreement with our partner banks through the terms and conditions you review and accept as part of onboarding.", "source_url": "https://mercury.com/blog/how-mercury-works-with-partner-banks", "source_tier": "T2", "source_date": "2025-03-11 (page includes April 2026 update; accessed 2026-07-08)" }, { "dimension": "fdic_structure", "country": null, "value": "Not a direct FDIC member; pass-through FDIC insurance via Choice Financial Group and Column N.A. and their Sweep Program Network Banks", "quote": "Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. FDIC deposit insurance covers the failure of an insured bank. Deposits in checking and savings accounts are FDIC-insured through Choice Financial Group and Column N.A. and their Sweep Program Network Banks. Certain conditions must be satisfied for pass-through FDIC insurance to apply.", "source_url": "https://mercury.com/faq", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "fdic_structure", "country": null, "value": "In April 2026 Mercury received OCC conditional approval to establish its own bank (Mercury Bank, N.A.); partner-bank structure remains in place for now", "quote": "In April 2026, we received conditional approval from the OCC to establish Mercury Bank, N.A. We're now in the bank organization phase, working toward final authorization and charter issuance from the OCC and pending additional required approvals from the FDIC and the Federal Reserve. Nothing changes for customers just yet — you'll continue using Mercury exactly as you do today, with the same accounts, same products, and same support. Our partner bank structure remains fully in place in the meantime.", "source_url": "https://mercury.com/blog/how-mercury-works-with-partner-banks", "source_tier": "T2", "source_date": "2025-03-11 (April 2026 update in body; accessed 2026-07-08)" }, { "dimension": "remote_onboarding", "country": null, "value": "Fully remote application supported — applicants do not need to be physically in the US or a US resident", "quote": "Yes, we’re proud to support U.S. companies founded by people across the globe. Customers must be formed and registered in the United States or a U.S. territory, must have some type of existing or planned operations in the U.S., and have a U.S. or international address for their principal place of business.", "source_url": "https://mercury.com/faq", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "Nigeria", "value": "Restricted: Nigeria is on Mercury's published prohibited-countries list (founders/financial controllers living there cannot be supported)", "quote": "Prohibited countries: … Nicaragua, Nigeria, Pakistan, Palestine (State of) …", "source_url": "https://support.mercury.com/hc/en-us/articles/28771710754580-Prohibited-countries", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "Pakistan", "value": "Restricted: Pakistan is on Mercury's published prohibited-countries list (founders/financial controllers living there cannot be supported)", "quote": "Prohibited countries: … Nigeria, Pakistan, Palestine (State of), Philippines …", "source_url": "https://support.mercury.com/hc/en-us/articles/28771710754580-Prohibited-countries", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "marketplace_payouts", "country": null, "value": "Explicitly supports receiving marketplace/processor payouts (Shopify, Stripe, Amazon, Etsy) directly via the account's own account and routing numbers", "quote": "Waiting on sales to fund your account? Add your Mercury account and routing numbers to platforms like Shopify, Stripe, Amazon, or Etsy so payouts land directly in your Mercury account", "source_url": "https://support.mercury.com/hc/en-us/articles/43283723809684-Guide-for-Ecommerce", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "marketplace_payouts", "country": null, "value": "Instant payouts via RTP supported from Stripe, Bill, Square, PayPal, Amazon Express Payout, and Venmo — but only on accounts held at partner bank Column N.A.", "quote": "Currently, receiving RTPs is only available for Mercury accounts on our partner bank, Column N.A. You can receive real-time payments from participating providers, including: Banks that support the ability to send RTP (many major banks do), Payment processors like Stripe, Bill, Square, PayPal, Amazon Express Payout, and Venmo", "source_url": "https://support.mercury.com/hc/en-us/articles/39968809104148-Receiving-real-time-payments-RTP", "source_tier": "T1", "source_date": "accessed 2026-07-08" } ], "unknowns": [ "country_acceptance: no country-by-country affirmative acceptance statements exist for India, China, United Kingdom, Canada, Turkey, Brazil — acceptance claims rest on absence from the published prohibited list plus the general international-founders policy (both T1, verified 2026-07-08)", "residency_ssn_itin: no explicit provider statement on whether the application asks beneficial owners for an SSN/ITIN when they have one, or whether an ITIN alone is acceptable for a US-resident owner (business accounts); only the acceptable-ID document list is published", "remote_onboarding: no provider statement found on video-KYC or personal proof-of-address requirements for individual beneficial owners (only company address documentation is addressed)", "marketplace_payouts: no provider statement on how the Choice Financial Group / Column N.A. routing numbers are classified (bank vs. prepaid/virtual) by payout platforms", "account_rails: no provider statement on whether new customers can choose their partner bank (Choice vs Column) at onboarding; only post-onboarding preferred-partner-bank switching via support is documented" ] }, { "provider": "Relay (Relay Financial)", "restricted_list_url": "https://support.relayfi.com/hc/en-us/articles/10239600121748-Prohibited-Countries", "claims": [ { "dimension": "entity_requirement", "country": null, "value": "Requires a US-registered entity with US operating presence; foreign-owned US LLCs are accepted. LLC applications require an EIN and a physical US business address.", "quote": "Relay accepts U.S.-registered businesses owned by non-U.S. citizens or non-U.S. residents. However, the business must have an operating presence in the U.S.", "source_url": "https://support.relayfi.com/hc/en-us/articles/38049251551636-Required-Documents-to-Open-a-Relay-Account-by-Entity-Type", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "residency_ssn_itin", "country": null, "value": "No US residency or SSN required for beneficial owners — passport number accepted in lieu of SSN, and non-US citizens verify ID with passport only. However, the beneficial-owner personal address field is stated as requiring a physical U.S. address.", "quote": "A photo of a government-issued ID U.S. citizens: driver’s license or passport Non-U.S. citizens: passport only (no national ID cards) Social Security Number (SSN) or passport number Personal address (must be a physical U.S. address—no PO boxes or virtual mailboxes)", "source_url": "https://support.relayfi.com/hc/en-us/articles/38049251551636-Required-Documents-to-Open-a-Relay-Account-by-Entity-Type", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "account_rails", "country": null, "value": "Real business checking with its own account and routing number supporting ACH, wires, and checks; partner bank is Thread Bank.", "quote": "Send and receive ACH transfers, wires, and checks * Print third-party check books with your Relay account and routing number", "source_url": "https://relayfi.com/faqs/", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "fdic_structure", "country": null, "value": "Relay is not a bank; deposits held at Thread Bank (Member FDIC) with pass-through coverage, extendable up to $3,000,000 via Thread Bank's program-bank deposit sweep.", "quote": "Relay is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.", "source_url": "https://relayfi.com/faqs/", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "remote_onboarding", "country": null, "value": "Fully remote online signup from overseas is supported for non-residents; required items include passport, a physical US address, company details, income and source-of-funds information. No in-person visit; no video-KYC requirement stated.", "quote": "Online banks such, however, including Relay, allow non-residents from many countries to open a US business bank account online from overseas.", "source_url": "https://relayfi.com/blog/how-to-incorporate-a-us-llc-as-a-non-resident/", "source_tier": "T2", "source_date": "accessed 2026-07-08" }, { "dimension": "restricted_countries", "country": null, "value": "Publishes a 31-entry prohibited countries/regions list (citizenship OR residency) set by its banking partner; includes Nigeria, Pakistan, Russia, Ukraine, Belarus, Ethiopia, Lebanon, Cambodia, and OFAC-type jurisdictions.", "quote": "We are currently unable to open accounts for business owners with the following countries/regions of citizenship/residency: Afghanistan, Belarus, Bosnia And Herzegovina, Burkina Faso, Burma (Myanmar), Burundi, Cambodia, Central African Republic, Congo, Democratic Republic of the (Congo-Kinshasa), Cuba, Ethiopia, Guinea-Bissau, Haiti, Iran, Iraq, Lebanon, Libya, Mali, Nicaragua, Nigeria, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Ukraine, Venezuela, Yemen, Zimbabwe", "source_url": "https://support.relayfi.com/hc/en-us/articles/10239600121748-Prohibited-Countries", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "United Kingdom", "value": "Founders resident in the United Kingdom explicitly accepted", "quote": "We support business owners that are citizens and residents of over 200 countries around the world, including the United States, Canada, United Kingdom, Australia and many others—as long as the business has an operating presence in the U.S.", "source_url": "https://relayfi.com/faqs/", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "Canada", "value": "Founders resident in Canada explicitly accepted", "quote": "We support business owners that are citizens and residents of over 200 countries around the world, including the United States, Canada, United Kingdom, Australia and many others—as long as the business has an operating presence in the U.S.", "source_url": "https://relayfi.com/faqs/", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "Nigeria", "value": "Founders with Nigerian citizenship or residency explicitly restricted", "quote": "We are currently unable to open accounts for business owners with the following countries/regions of citizenship/residency: ... Nigeria ...", "source_url": "https://support.relayfi.com/hc/en-us/articles/10239600121748-Prohibited-Countries", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "Pakistan", "value": "Founders with Pakistani citizenship or residency explicitly restricted", "quote": "We are currently unable to open accounts for business owners with the following countries/regions of citizenship/residency: ... Pakistan ...", "source_url": "https://support.relayfi.com/hc/en-us/articles/10239600121748-Prohibited-Countries", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "India", "value": "Accepted by omission: India is NOT on the exhaustive prohibited list, and Relay states support for residents of 200+ countries", "quote": "We support business owners that are citizens and residents of over 200 countries around the world... However, if you are a citizen of one of the countries listed here Relay will not be able to serve your business.", "source_url": "https://relayfi.com/faqs/", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "China", "value": "Accepted by omission: China is NOT on the exhaustive prohibited list, and Relay states support for residents of 200+ countries", "quote": "We support business owners that are citizens and residents of over 200 countries around the world... However, if you are a citizen of one of the countries listed here Relay will not be able to serve your business.", "source_url": "https://relayfi.com/faqs/", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "Turkey", "value": "Accepted by omission: Turkey is NOT on the exhaustive prohibited list, and Relay states support for residents of 200+ countries", "quote": "We support business owners that are citizens and residents of over 200 countries around the world... However, if you are a citizen of one of the countries listed here Relay will not be able to serve your business.", "source_url": "https://relayfi.com/faqs/", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "Brazil", "value": "Accepted by omission: Brazil is NOT on the exhaustive prohibited list, and Relay states support for residents of 200+ countries", "quote": "We support business owners that are citizens and residents of over 200 countries around the world... However, if you are a citizen of one of the countries listed here Relay will not be able to serve your business.", "source_url": "https://relayfi.com/faqs/", "source_tier": "T1", "source_date": "accessed 2026-07-08" } ], "unknowns": [ "marketplace_payouts — Amazon Seller Central payouts specifically: no provider statement found naming Amazon", "account_rails — routing number type/classification (e.g., whether the Thread Bank routing number is a standard ACH/Fedwire ABA vs a virtual designation): no provider statement found", "residency_ssn_itin — ITIN: never mentioned on Relay pages (only 'SSN or passport number'); whether ITIN is accepted in the SSN field is uncited", "residency_ssn_itin — unresolved tension between 'Personal address (must be a physical U.S. address)' for beneficial owners and Relay's acceptance of owners 'based outside of the U.S.'; no page fetched reconciles whether a non-resident owner needs a personal US address or only the business does", "remote_onboarding — video KYC: no provider statement found either requiring or excluding it", "restricted_countries — page publication/update date not shown on the prohibited-countries article" ] }, { "provider": "Brex", "restricted_list_url": "https://www.brex.com/support/domestic-and-international-wires", "claims": [ { "dimension": "entity_requirement", "country": null, "value": "Requires US EIN, US incorporation, US operations, and a US physical address", "quote": "All Brex applicants are required to have a US EIN issued by the IRS, a valid US incorporation, US operations, and a US physical address.", "source_url": "https://www.brex.com/support/brex-account-requirements", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "entity_requirement", "country": null, "value": "LLC is an accepted entity type, but the business must be a US business duly organized and registered in the US with a valid EIN", "quote": "Currently, Brex only enters into order forms for services with US businesses. ... A business entity (e.g., C-corp, S-corp, LLC, LLP) ... Duly organized and registered in the US... With a valid US Employer Identification Number (EIN)", "source_url": "https://www.brex.com/legal/commonly-asked-questions", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "residency_ssn_itin", "country": null, "value": "SSN not mandatory for individuals — a passport number and country of issuance is accepted instead of an SSN", "quote": "Taxpayer identification number (e.g., Social Security Number (SSN) for US citizens, passport number and country of issuance) ... these individuals can provide a passport number or driver's license number, instead of an SSN.", "source_url": "https://www.brex.com/legal/commonly-asked-questions", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "residency_ssn_itin", "country": null, "value": "Passports accepted as ID in the application; SSN may be requested for KYC but is listed alongside passport options", "quote": "We use photo IDs as part of our Know Your Customer (KYC) requirements for account creation. We accept: Passports (and passport cards) / US driver's license / State ID cards ... To comply with the Know Your Customer (KYC) US regulatory requirements, we may ask for your social security number during the application process.", "source_url": "https://www.brex.com/support/submitting-an-application", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "residency_ssn_itin", "country": null, "value": "Principal place of business may be at an international address, provided there are existing or planned US operations", "quote": "Customers must have some type of existing or planned operations in the U.S. and a U.S. or international address for their principal place of business.", "source_url": "https://www.brex.com/product/business-account", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "account_rails", "country": null, "value": "Real commercial checking account provided by Column N.A. (Member FDIC) with its own routing number 121145349; treasury/vault are separate cash-management services via Brex Treasury LLC", "quote": "The Brex business account consists of checking, a commercial checking account provided by Column N.A., Member FDIC, and treasury and vault, cash management services provided by Brex Treasury LLC, a Capital One company ... The routing number for your Brex business account with Column Bank is 121145349. ... These account details can be used to complete tasks such as initiating an inbound wire or ACH transfer, or paying recurring bills and charges.", "source_url": "https://www.brex.com/support/the-brex-business-account", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "fdic_structure", "country": null, "value": "Pass-through structure: checking insured up to $250,000 via partner bank Column N.A.; vault sweeps deposits across program banks for up to $6M FDIC coverage via Brex Treasury LLC", "quote": "Checking: The checking account is a commercial checking account provided by Column N.A., Member FDIC # 58224. ... The funds allocated to your vault account are swept out to Brex Treasury LLC's, a Capital One company, cash sweep program banks", "source_url": "https://www.brex.com/support/the-brex-business-account", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "remote_onboarding", "country": null, "value": "Fully online application; required items are EIN verification letter (CP 575 or 147-C), possibly formation documents, and ID (passport accepted); no in-person step mentioned", "quote": "Brex uses an IRS letter (form CP 575 or 147-C) to verify your business name and Employer Identification Number. ... During the application process, we may ask for a PDF of your Articles/Certificate of Incorporation if we are unable to source this through the Secretary of State databases. ... We accept: Passports (and passport cards), US driver's license, State ID cards", "source_url": "https://www.brex.com/support/submitting-an-application", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "remote_onboarding", "country": null, "value": "Brex positions itself as serving non-US founders (via Stripe Atlas partnership addressing EIN wait times)", "quote": "non-US founders won't have to wait weeks or months for an Employer Identification Number (EIN) from the IRS", "source_url": "https://www.brex.com/journal/brex-partners-with-stripe-atlas", "source_tier": "T2", "source_date": "accessed 2026-07-08" }, { "dimension": "restricted_countries", "country": null, "value": "Publishes an unsupported-countries list for wires: Afghanistan, Antarctica, Belarus, Crimea, Cuba, Donetsk, Iran, North Korea, Luhansk, Macedonia, Myanmar, Russia, Saudi Arabia, South Sudan, Sudan, Syria, Venezuela, Yemen", "quote": "If a country is not expressly listed under the Supported section below, we don't support international wires sent to or from that country.", "source_url": "https://www.brex.com/support/domestic-and-international-wires", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "restricted_countries", "country": null, "value": "Account/dashboard access blocked from sanctioned regions of Ukraine (Crimea, Donetsk, Luhansk); card networks suspended in Russia", "quote": "Users may not access their Brex account from sanctioned regions of Ukraine, which currently includes Crimea, Donetsk, and Luhansk.", "source_url": "https://www.brex.com/support/using-brex-internationally", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "marketplace_payouts", "country": null, "value": "Account can receive payments via ACH, check, and wire using its Column N.A. account and routing number; no explicit Amazon/Stripe/marketplace payout statement found", "quote": "you can use your Brex business account for depositing checks and for sending and receiving payments via ACH, check, and wire", "source_url": "https://www.brex.com/product/business-account", "source_tier": "T1", "source_date": "accessed 2026-07-08" } ], "unknowns": [ "country_acceptance: India — no explicit Brex statement found on founder residency acceptance/restriction", "country_acceptance: China — no explicit evidence found", "country_acceptance: United Kingdom — no explicit evidence found", "country_acceptance: Canada — no explicit evidence found (Brex 'multinational/Empower' Canada support is for spend-management employees, not founder residency)", "country_acceptance: Pakistan — no explicit evidence found (Pakistan is listed as a supported wire destination, but that is not founder-residency evidence)", "country_acceptance: Nigeria — no explicit evidence found (Nigeria is listed as a supported wire destination, but that is not founder-residency evidence)", "country_acceptance: Turkey — no explicit evidence found", "country_acceptance: Brazil — no explicit evidence found (Brazil named for multinational spend-management support, not founder residency)", "marketplace_payouts: no explicit statement about Amazon/Stripe/marketplace payout acceptance", "residency_ssn_itin: ITIN specifically never mentioned on any fetched Brex page", "entity_requirement: no explicit statement on foreign-owned SINGLE-MEMBER LLCs specifically (LLC listed as accepted entity type generally)", "restricted_countries: no founder-residency (citizenship/residence) restricted-country list published — only the wires unsupported-regions list and sanctioned-region access rules" ] }, { "provider": "Airwallex (US)", "restricted_list_url": "https://help.airwallex.com/hc/en-gb/articles/4408591334937-Eligible-Countries-and-Territories", "claims": [ { "dimension": "entity_requirement", "country": null, "value": "US companies opening an Airwallex account must provide an EIN letter and state formation documents (Certificate of Formation / Articles of Organization for LLCs); business name must match exactly", "quote": "Please provide a copy of your EIN Letter that shows the exact name match for the business applying for an Airwallex account.", "source_url": "https://help.airwallex.com/hc/en-gb/articles/4419267227417-Documents-required-for-companies-in-the-US", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "entity_requirement", "country": null, "value": "Business accounts only — Airwallex does not offer personal accounts to individuals; company must be registered and in good standing in an eligible country", "quote": "Our services are designed for businesses, so we're unable to offer personal accounts to individuals at this time.", "source_url": "https://help.airwallex.com/hc/en-gb/articles/900001757026-Eligibility-to-open-an-account", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "entity_requirement", "country": null, "value": "A US entity is NOT required to get USD account details — non-US businesses (e.g. UK-registered) can open a USD Global Account with US ACH/Fedwire routing numbers", "quote": "An Airwallex USD Global Account provides UK businesses with genuine US account details—including an account number and ACH and Fedwire routing numbers—without requiring a US entity, Social Security Number, or physical US address.", "source_url": "https://www.airwallex.com/en-uk/blog/how-to-open-a-us-business-bank-account-from-the-uk", "source_tier": "T2", "source_date": "Updated 16 October 2025" }, { "dimension": "residency_ssn_itin", "country": null, "value": "SSN required only for US persons; non-US-person authorized persons, control persons and ultimate beneficial owners can verify with a foreign government-issued photo ID such as a passport — no SSN/ITIN required", "quote": "For each of the below individuals, please provide the SSN if they are US persons. Otherwise, please upload images of their government-issued, official photo ID, such as passport, national ID or driver's license (if applicable).", "source_url": "https://help.airwallex.com/hc/en-gb/articles/4419267227417-Documents-required-for-companies-in-the-US", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "account_rails", "country": null, "value": "USD Global Account receives via ACH, Fedwire, and (for eligible customers) FedNow and RTP, plus international SWIFT — with dedicated ACH and Fedwire routing numbers", "quote": "United States | USD | Yes - ACH, FedWire, Fednow*, RTP* | Yes", "source_url": "https://help.airwallex.com/hc/en-gb/articles/900001759623-Which-currencies-can-I-get-a-Global-Account-in-and-what-payments-can-I-receive", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "account_rails", "country": null, "value": "Not a bank account in the customer's own name at a bank — Airwallex is not a bank; US customer funds sit in an omnibus for-benefit-of account at partner bank Evolve Bank & Trust (FBO structure, not an individual DDA)", "quote": "At Evolve, our customers' funds are held in an FDIC-insurance-eligible omnibus account for the benefit of Airwallex's customers.", "source_url": "https://help.airwallex.com/hc/en-gb/articles/4404265644185-How-does-Airwallex-keep-my-money-safe", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "fdic_structure", "country": null, "value": "Pass-through FDIC coverage up to $250,000 via partner-bank omnibus accounts (Evolve Bank & Trust for certain US customers); Airwallex itself is a licensed money transmitter, not an FDIC member bank", "quote": "In the U.S., these banking partnerships are designed to provide our customers' funds with Federal Deposit Insurance Corporation (FDIC) insurance coverage of up to $250,000 per qualified customer account", "source_url": "https://help.airwallex.com/hc/en-gb/articles/4404265644185-How-does-Airwallex-keep-my-money-safe", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "remote_onboarding", "country": null, "value": "Fully online remote onboarding — no branch visit; non-US persons upload passport/national ID images; US companies additionally submit EIN letter and formation documents", "quote": "The process is fully online and takes just a few minutes", "source_url": "https://www.airwallex.com/en-uk/blog/how-to-open-a-us-business-bank-account-from-the-uk", "source_tier": "T2", "source_date": "Updated 16 October 2025" }, { "dimension": "restricted_countries", "country": null, "value": "Airwallex publishes an eligible business-registration country list (~90+ countries); businesses registered anywhere not on the list cannot be onboarded", "quote": "If you don't see the country your business is registered in on our list, we unfortunately won't be able to onboard you right now.", "source_url": "https://help.airwallex.com/hc/en-gb/articles/4408591334937-Eligible-Countries-and-Territories", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "restricted_countries", "country": null, "value": "A separate published restricted list exists for incoming SWIFT deposits to Denmark-based Global Accounts (160+ countries incl. China, India, Pakistan, Nigeria, Turkey, Brazil, Russia, Belarus) — scope is Denmark accounts only, not US accounts", "quote": "This list shows the countries with limitations on incoming SWIFT fund transfers to our Global Accounts based in Denmark.", "source_url": "https://help.airwallex.com/hc/en-gb/articles/12142689283343-Restricted-Countries-for-SWIFT-Deposits-via-Global-Accounts", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "India", "value": "Businesses registered in India are on the eligible-country list (onboarded to the Singapore entity); founder-residency acceptance for a US LLC not separately addressed", "quote": "INDIA / IN / SINGAPORE", "source_url": "https://help.airwallex.com/hc/en-gb/articles/4408591334937-Eligible-Countries-and-Territories", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "China", "value": "Businesses registered in China are on the eligible-country list (onboarded to the Hong Kong entity); founder-residency acceptance for a US LLC not separately addressed", "quote": "CHINA / CN / HONG KONG", "source_url": "https://help.airwallex.com/hc/en-gb/articles/4408591334937-Eligible-Countries-and-Territories", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "United Kingdom", "value": "Businesses registered in the United Kingdom are on the eligible-country list (onboarded to the UK entity); Airwallex also markets USD Global Accounts to UK businesses without a US entity", "quote": "UNITED KINGDOM / GB / UNITED KINGDOM", "source_url": "https://help.airwallex.com/hc/en-gb/articles/4408591334937-Eligible-Countries-and-Territories", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "Canada", "value": "Businesses registered in Canada are on the eligible-country list (onboarded to the Canada entity)", "quote": "CANADA / CA / CANADA", "source_url": "https://help.airwallex.com/hc/en-gb/articles/4408591334937-Eligible-Countries-and-Territories", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "Brazil", "value": "Businesses registered in Brazil are on the eligible-country list (onboarded to the United States entity); founder-residency acceptance for a US LLC not separately addressed", "quote": "BRAZIL / BR / UNITED STATES OF AMERICA", "source_url": "https://help.airwallex.com/hc/en-gb/articles/4408591334937-Eligible-Countries-and-Territories", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "Pakistan", "value": "Pakistan does not appear on Airwallex's eligible business-registration country list — Pakistan-registered businesses cannot be onboarded; residency of a US-LLC founder in Pakistan not explicitly addressed", "quote": "If you don't see the country your business is registered in on our list, we unfortunately won't be able to onboard you right now.", "source_url": "https://help.airwallex.com/hc/en-gb/articles/4408591334937-Eligible-Countries-and-Territories", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "Nigeria", "value": "Nigeria does not appear on Airwallex's eligible business-registration country list — Nigeria-registered businesses cannot be onboarded; residency of a US-LLC founder in Nigeria not explicitly addressed", "quote": "If you don't see the country your business is registered in on our list, we unfortunately won't be able to onboard you right now.", "source_url": "https://help.airwallex.com/hc/en-gb/articles/4408591334937-Eligible-Countries-and-Territories", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "Turkey", "value": "Turkey does not appear on Airwallex's eligible business-registration country list — Turkey-registered businesses cannot be onboarded; residency of a US-LLC founder in Turkey not explicitly addressed", "quote": "If you don't see the country your business is registered in on our list, we unfortunately won't be able to onboard you right now.", "source_url": "https://help.airwallex.com/hc/en-gb/articles/4408591334937-Eligible-Countries-and-Territories", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "marketplace_payouts", "country": null, "value": "USD Global Account details can be linked to Amazon US, PayPal, Shopify and other platforms to receive marketplace payouts like a local US account", "quote": "Link your US account details to Amazon US, PayPal, Shopify, and other platforms to withdraw earnings without international transfer delays.", "source_url": "https://www.airwallex.com/en-uk/blog/how-to-open-a-us-business-bank-account-from-the-uk", "source_tier": "T2", "source_date": "Updated 16 October 2025" } ], "unknowns": [ "country_acceptance: founder RESIDENCY (as opposed to business registration country) — no fetched Airwallex page explicitly accepts or rejects a US-LLC beneficial owner RESIDENT in India, China, Pakistan, Nigeria, Turkey, or Brazil; the US KYC page only says non-US persons verify by passport, with no country carve-outs", "restricted_countries: no provider-published GLOBAL prohibited/owner-residency country list found (the widely-repeated 'owners or directors living in Russia/Belarus cannot open an account' claim appears only on third-party sites, not on a fetched Airwallex T1 page)", "residency_ssn_itin: ITIN is never mentioned on Airwallex's US documents page — whether ITIN is accepted in lieu of SSN for US persons is unstated", "account_rails: whether the US Global Account's ACH routing number belongs to Evolve Bank & Trust or another partner (per-account routing-bank identity not stated on fetched pages; docs show sample routing codes only)", "fdic_structure: the '$6M enhanced FDIC sweep' figure appeared only in a search snippet, not on a fetched Airwallex page — coverage above $250,000 unverified", "remote_onboarding: no T1 statement found on video-KYC or proof-of-address requirements for the US onboarding flow", "marketplace_payouts: no provider statement found on whether the routing number is classified in ways some platforms reject (e.g. Stripe payout eligibility for Airwallex US account details)" ] }, { "provider": "Lili (lili.co)", "restricted_list_url": "https://support.lili.co/hc/en-us/articles/8993238767258-Can-non-U-S-citizens-open-a-Lili-account", "claims": [ { "dimension": "entity_requirement", "country": null, "value": "Requires a US-registered entity; foreign-owned single- or multi-member US LLCs accepted; sole proprietorships NOT supported for international applicants; IRS EIN letter may be required", "quote": "Your business must be registered in the United States to qualify. We accept LLCs (single or multi-member), C-Corporations, S-Corporations, General Partnerships, and Limited Liability Partnerships. Sole proprietorships are not currently supported for international applicants.", "source_url": "https://support.lili.co/hc/en-us/articles/8993238767258-Can-non-U-S-citizens-open-a-Lili-account", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "residency_ssn_itin", "country": null, "value": "No US residency or SSN required for international applicants — foreign passport + EIN path; eligibility is by CITIZENSHIP from a 14-country allow-list, not by residence", "quote": "No SSN required. 100% remote application.", "source_url": "https://lili.co/us-business-account", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "residency_ssn_itin", "country": null, "value": "CONFLICTING T1 statement: the general help-center EIN article says the owner's SSN is always required (appears to describe the domestic application flow, contradicting the international passport+EIN path)", "quote": "No. You can’t apply using only an EIN. Lili must verify you as an individual, so the owner’s SSN is always required.", "source_url": "https://support.lili.co/hc/en-us/articles/5497857720730-Can-I-apply-for-an-account-with-an-EIN-instead-of-an-SSN", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "account_rails", "country": null, "value": "Business checking account held at Sunrise Banks, N.A. with its own ACH routing number (091017138) + account number; separate domestic wire routing number (121145307) via Column Bank infrastructure", "quote": "Lili has two routing numbers:\n\n1. The ACH Transfer Routing Number is 091017138 (For moving funds within the United States)\n2. The Domestic Wire Transfer Routing Number is 121145307", "source_url": "https://support.lili.co/hc/en-us/articles/360049472252-Where-can-I-find-my-routing-and-account-details", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "fdic_structure", "country": null, "value": "Pass-through FDIC via partner bank Sunrise Banks, N.A. plus an IntraFi-style sweep network of program banks, advertised up to $3,000,000", "quote": "Yes, your Lili account is FDIC insured up to $3,000,000 through Sunrise Banks, N.A., Member FDIC, and Lili's network of program banks.", "source_url": "https://support.lili.co/hc/en-us/articles/360042502611-Is-my-Lili-account-FDIC-insured", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "remote_onboarding", "country": null, "value": "Fully remote signup from any eligible country using foreign passport + EIN; possible document uploads (EIN letter, Articles of Organization, address verification); debit card ships ONLY to a US address", "quote": "100% remote application from any eligible country", "source_url": "https://lili.co/us-business-account", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "restricted_countries", "country": null, "value": "No prohibited/restricted country list published; instead Lili publishes a closed ALLOW-list of 14 supported citizenship countries for international applicants", "quote": "Lili currently supports applicants with citizenship from 14 countries:\n\nArgentina, Australia, Brazil, Canada, Chile, China, Colombia, India, Israel, Mexico, New Zealand, Norway, United Kingdom, Uruguay\n\nWe continuously evaluate and add countries to this list. If your country isn't listed, check back periodically for updates.", "source_url": "https://support.lili.co/hc/en-us/articles/8993238767258-Can-non-U-S-citizens-open-a-Lili-account", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "India", "value": "Accepted — India is on Lili's 14-country supported-citizenship list; dedicated landing page exists (lili.co/us-business-account/india)", "quote": "Lili currently supports applicants with citizenship from 14 countries:\n\nArgentina, Australia, Brazil, Canada, Chile, China, Colombia, India, Israel, Mexico, New Zealand, Norway, United Kingdom, Uruguay", "source_url": "https://support.lili.co/hc/en-us/articles/8993238767258-Can-non-U-S-citizens-open-a-Lili-account", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "China", "value": "Accepted — China is on Lili's 14-country supported-citizenship list; dedicated landing page exists (lili.co/us-business-account/china)", "quote": "Lili currently supports applicants with citizenship from 14 countries:\n\nArgentina, Australia, Brazil, Canada, Chile, China, Colombia, India, Israel, Mexico, New Zealand, Norway, United Kingdom, Uruguay", "source_url": "https://support.lili.co/hc/en-us/articles/8993238767258-Can-non-U-S-citizens-open-a-Lili-account", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "United Kingdom", "value": "Accepted — United Kingdom is on Lili's 14-country supported-citizenship list; dedicated landing page exists (lili.co/us-business-account/united-kingdom)", "quote": "Lili currently supports applicants with citizenship from 14 countries:\n\nArgentina, Australia, Brazil, Canada, Chile, China, Colombia, India, Israel, Mexico, New Zealand, Norway, United Kingdom, Uruguay", "source_url": "https://support.lili.co/hc/en-us/articles/8993238767258-Can-non-U-S-citizens-open-a-Lili-account", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "Canada", "value": "Accepted — Canada is on Lili's 14-country supported-citizenship list; dedicated landing page exists (lili.co/us-business-account/canada)", "quote": "Lili currently supports applicants with citizenship from 14 countries:\n\nArgentina, Australia, Brazil, Canada, Chile, China, Colombia, India, Israel, Mexico, New Zealand, Norway, United Kingdom, Uruguay", "source_url": "https://support.lili.co/hc/en-us/articles/8993238767258-Can-non-U-S-citizens-open-a-Lili-account", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "Brazil", "value": "Accepted — Brazil is on Lili's 14-country supported-citizenship list; dedicated landing page exists (lili.co/us-business-account/brazil)", "quote": "Lili currently supports applicants with citizenship from 14 countries:\n\nArgentina, Australia, Brazil, Canada, Chile, China, Colombia, India, Israel, Mexico, New Zealand, Norway, United Kingdom, Uruguay", "source_url": "https://support.lili.co/hc/en-us/articles/8993238767258-Can-non-U-S-citizens-open-a-Lili-account", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "Pakistan", "value": "Not supported (by omission from a closed allow-list) — Pakistan is absent from the exhaustive 14-country supported-citizenship list", "quote": "Lili currently supports applicants with citizenship from 14 countries:\n\nArgentina, Australia, Brazil, Canada, Chile, China, Colombia, India, Israel, Mexico, New Zealand, Norway, United Kingdom, Uruguay\n\nWe continuously evaluate and add countries to this list. If your country isn't listed, check back periodically for updates.", "source_url": "https://support.lili.co/hc/en-us/articles/8993238767258-Can-non-U-S-citizens-open-a-Lili-account", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "Nigeria", "value": "Not supported (by omission from a closed allow-list) — Nigeria is absent from the exhaustive 14-country supported-citizenship list", "quote": "Lili currently supports applicants with citizenship from 14 countries:\n\nArgentina, Australia, Brazil, Canada, Chile, China, Colombia, India, Israel, Mexico, New Zealand, Norway, United Kingdom, Uruguay\n\nWe continuously evaluate and add countries to this list. If your country isn't listed, check back periodically for updates.", "source_url": "https://support.lili.co/hc/en-us/articles/8993238767258-Can-non-U-S-citizens-open-a-Lili-account", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "Turkey", "value": "Not supported (by omission from a closed allow-list) — Turkey is absent from the exhaustive 14-country supported-citizenship list", "quote": "Lili currently supports applicants with citizenship from 14 countries:\n\nArgentina, Australia, Brazil, Canada, Chile, China, Colombia, India, Israel, Mexico, New Zealand, Norway, United Kingdom, Uruguay\n\nWe continuously evaluate and add countries to this list. If your country isn't listed, check back periodically for updates.", "source_url": "https://support.lili.co/hc/en-us/articles/8993238767258-Can-non-U-S-citizens-open-a-Lili-account", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "marketplace_payouts", "country": null, "value": "Lili explicitly addresses payroll/marketplace/vendor payout forms — customers give 'Sunrise Banks, N.A.' as bank name with the ACH routing/account numbers shown in-app", "quote": "When a payroll provider, marketplace, or vendor asks for your “bank name” and account details for your primary Lili business account:\n\n* Bank name: Sunrise Banks, N.A.\n* Account name: Your registered business name as it appears in Lili\n* Routing and account numbers: Use the details shown under Account details in your Lili app", "source_url": "https://support.lili.co/hc/en-us/articles/5322762625178-Who-is-Lili-s-partner-bank", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "marketplace_payouts", "country": null, "value": "Non-resident landing page markets Stripe/PayPal/Shopify payment-processor connectivity and acceptance of all payment types incl. ACH", "quote": "Accept all payment types: ACH transfers, domestic and international wires 9, check deposits from US clients 11", "source_url": "https://lili.co/us-business-account", "source_tier": "T1", "source_date": "accessed 2026-07-08" } ], "unknowns": [ "residency_ssn_itin: ITIN — no Lili page fetched this session mentions ITIN at all (neither accepted nor rejected)", "country_acceptance: residency-based rules for founders RESIDENT in the 8 target countries who hold third-country citizenship — Lili's published criterion is citizenship only; no residency restriction/acceptance list is published", "restricted_countries: no provider-published PROHIBITED country list exists; only the supported-citizenship allow-list (URL captured) and a separate international-wire destination list", "account_rails: whether the Sunrise Banks account is individually titled in the customer's name vs an FBO/omnibus structure — Lili's pages say deposits are 'held at Sunrise Banks, N.A.' but do not state account titling", "remote_onboarding: whether video KYC is ever required — not mentioned on any fetched page", "marketplace_payouts: Amazon specifically — no explicit T1 statement about Amazon seller payouts found", "fdic_structure: source pages show no publication/update dates; all evidence dated as accessed 2026-07-08" ] }, { "provider": "Slash (slash.com)", "restricted_list_url": "https://www.slash.com/help-center/global-usd/supported-countries-for-global-usd", "claims": [ { "dimension": "entity_requirement", "country": null, "value": "Slash Business Banking and Treasury requires a US-registered entity (LLC/C-Corp/partnership/sole prop); founders can qualify from outside the US with eligible incorporation info", "quote": "Business Banking and Treasury is available only to businesses registered in the US. You can still qualify for Business Banking and Treasury from outside of the US, but you will need to provide eligible incorporation information for your LLC, C-Corp, partnership, or sole proprietorship.", "source_url": "https://www.slash.com/help-center/getting-started/how-to-know-if-you-re-eligible-for-slash", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "entity_requirement", "country": null, "value": "Global USD Account (separate product) requires NO US entity — it is for businesses incorporated outside the US; US entities are routed to Business Banking instead", "quote": "Global USD is available to businesses incorporated in supported countries. US-incorporated entities should apply for Slash Business Banking instead.", "source_url": "https://www.slash.com/help-center/global-usd/how-to-apply-for-the-slash-global-usd-account", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "residency_ssn_itin", "country": null, "value": "Beneficial owners, control persons, and account operators may live outside the US (Business Banking); subject to residence-country and nationality/citizenship compliance review", "quote": "Business owners, beneficial owners, control persons, and account operators may live outside of the US. Business Banking and Treasury eligibility is still subject to identity verification, sanctions screening, residence-country review, nationality or citizenship review, and other compliance checks.", "source_url": "https://www.slash.com/help-center/getting-started/how-to-know-if-you-re-eligible-for-slash", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "residency_ssn_itin", "country": null, "value": "Slash states its Global USD Account does not require a personal SSN or ITIN; passport plus business documents suffice", "quote": "Slash, however, built the Global USD Account, a fully-compliant US business account that doesn't require a personal SSN or ITIN", "source_url": "https://www.slash.com/blog/us-bank-account-non-resident", "source_tier": "T2", "source_date": "accessed 2026-07-08" }, { "dimension": "account_rails", "country": null, "value": "Global USD Account is NOT a bank deposit account — balance is held in USDSL, a stablecoin pegged 1:1 to USD (ERC-20 on Base, issued by Bridge Building Inc.), but comes with US account and routing numbers for ACH and wires", "quote": "Your account balance is denominated in USDSL — a stablecoin pegged 1:1 to the US Dollar. ... Complete with account and routing numbers for sending and receiving ACH transfers and wires", "source_url": "https://www.slash.com/help-center/global-usd/what-s-the-slash-global-usd-account", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "fdic_structure", "country": null, "value": "Business Banking: pass-through/sweep FDIC coverage via partner bank Column N.A. (Member FDIC) and Column's Sweep Program Network Banks; Slash itself is not a bank", "quote": "Deposits in Slash business checking accounts are FDIC-insured through Column N.A., Member FDIC, and Column's Sweep Program Network Banks. ... Slash Financial, Inc. is a financial technology company, not an FDIC-insured bank.", "source_url": "https://www.slash.com/frequently-asked-questions", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "fdic_structure", "country": null, "value": "Global USD Account has NO FDIC coverage — balances are digital assets (stablecoin), not bank deposits", "quote": "Digital assets are not bank deposits, legal tender, or covered by FDIC, SIPC, or any other government-backed insurance.", "source_url": "https://www.slash.com/help-center/global-usd/what-s-the-slash-global-usd-account", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "remote_onboarding", "country": null, "value": "Global USD application is fully online at slash.com; required docs: formation documents, proof of business address, beneficial owner info, bank/card statements, proof of operating activity, plus country/industry-specific documents", "quote": "Start your application at slash.com. When you select a country outside the United States, your application will automatically default to Global USD. ... Enter your business information, upload formation documents and proof of business address, and add beneficial owners and control persons. ... Upload supporting documents, including bank or card statements, proof of operating activity, and any country- or industry-specific documents requested in the application.", "source_url": "https://www.slash.com/help-center/global-usd/how-to-apply-for-the-slash-global-usd-account", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "remote_onboarding", "country": null, "value": "Slash states verification is handled entirely online with no US branch visit required", "quote": "Slash, on the other hand, handles verification entirely online; simply upload your documents, verify your identity, and get approved without a trip to the U.S", "source_url": "https://www.slash.com/blog/us-bank-account-non-resident", "source_tier": "T2", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "Pakistan", "value": "Explicitly restricted: Pakistan appears on both the Business Banking restricted list and the Global USD unsupported list", "quote": "Business Banking and Treasury is not currently supported for individuals or businesses connected to the following countries or regions.", "source_url": "https://www.slash.com/help-center/getting-started/how-to-know-if-you-re-eligible-for-slash", "source_tier": "T1", "source_date": "accessed 2026-07-08" } ], "unknowns": [ "country_acceptance: India — not named on any fetched Slash restricted/EDD list and no explicit acceptance statement found ('130+ countries' claim not enumerated on the fetched page)", "country_acceptance: China — no explicit evidence either direction", "country_acceptance: United Kingdom — no explicit evidence either direction", "country_acceptance: Canada — no explicit evidence either direction", "country_acceptance: Brazil — no explicit evidence either direction", "residency_ssn_itin (Business Banking specifically): whether an SSN/ITIN is required or a foreign passport suffices for owners of a US LLC applying to Business Banking — not stated on the T1 eligibility page fetched", "remote_onboarding (Business Banking specifically): exact document list and whether video KYC is used — FAQ answer content not retrievable this session", "account_rails: whether each Slash Business Banking account receives its own unique account number under Column routing 091311229 was not stated verbatim (strongly implied by 'business checking accounts' but not quoted)", "marketplace_payouts: Amazon explicitly — no Slash statement naming Amazon payouts found this session" ] }, { "provider": "Wells Fargo Business Banking", "restricted_list_url": null, "claims": [ { "dimension": "entity_requirement", "country": null, "value": "Requires a US-registered business with government-registration documents; for an LLC, formation documents (Articles of Organization / Certificate of Organization / Certificate of Formation) are required. No published statement addressing foreign-owned single-member US LLCs specifically.", "quote": "A document to verify your business is registered with a government agency, such as Secretary of State or other state/county agency. When applying online, we may ask you to upload this document.", "source_url": "https://www.wellsfargo.com/biz/required-documents/", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "entity_requirement", "country": null, "value": "A physical business address is mandatory; registered-agent addresses, virtual addresses, and PO/commercial mailboxes are explicitly not acceptable — a structural barrier for foreign-owned LLCs using registered-agent addresses.", "quote": "A physical address is required; Registered Agents, Virtual Addresses, and PO/Commercial mailboxes are not acceptable.", "source_url": "https://www.wellsfargo.com/biz/required-documents/", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "residency_ssn_itin", "country": null, "value": "Every signer on a business account must provide a Social Security number — a foreign passport alone is NOT sufficient for a business account; the business FAQ does not even offer ITIN as an alternative for business signers.", "quote": "Is a Social Security number necessary to open a business account? Yes. Every signer on an account must provide a Social Security number before opening a business account.", "source_url": "https://www.wellsfargo.com/biz/help/faqs/accounts/", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "residency_ssn_itin", "country": null, "value": "For consumer (personal) accounts, online opening requires an SSN or ITIN plus a physical U.S. address; non-permanent U.S. residents cannot apply online and must apply in person at a branch.", "quote": "Have a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) Have a physical U.S. address ... If you're under 18 or a non-permanent U.S. resident, you'll need to make an appointment to apply in person at a Wells Fargo branch.", "source_url": "https://www.wellsfargo.com/help/checking-savings/open-close-account-faqs/", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "account_rails", "country": null, "value": "Real demand deposit account held directly at Wells Fargo Bank, N.A. (a national bank) with its own ABA routing numbers (state-based) and account numbers — no partner-bank/FBO structure.", "quote": "Routing numbers and account numbers are available in Wells Fargo Online®. ... In what state did you open your [account]? ... Your routing number is:", "source_url": "https://www.wellsfargo.com/help/routing-number/", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "fdic_structure", "country": null, "value": "Direct FDIC member — deposits are held at Wells Fargo Bank, N.A. itself; no pass-through or sweep-network insurance structure.", "quote": "Wells Fargo Bank, N.A. Member FDIC.", "source_url": "https://www.wellsfargo.com/biz/required-documents/", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "remote_onboarding", "country": null, "value": "Online application exists for most business checking/savings accounts, but it presumes the SSN-per-signer and physical-US-address requirements; multi-owner businesses are expected in-branch, with notarized forms as the fallback for absent owners.", "quote": "You can apply for most of our checking and savings accounts through our online application or in a local branch.", "source_url": "https://www.wellsfargo.com/biz/help/faqs/accounts/", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "remote_onboarding", "country": null, "value": "In-branch presence is the default expectation for business accounts with multiple owners/key executives; absent individuals must complete notarized forms before the account can be opened.", "quote": "If your business has more than one owner or key executive with authority and control, it is preferred that they are all present when opening a new account. If this is not possible, then you may be provided with the required forms that must be completed and notarized by each individual not present. Your account cannot be opened until all notarized forms have been returned by the owner or key executive, who is opening the account at the branch.", "source_url": "https://www.wellsfargo.com/biz/required-documents/", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "marketplace_payouts", "country": null, "value": "Business accounts receive ACH credits and incoming wires on Wells Fargo's own bank rails (standard ABA routing); no Amazon/Stripe/marketplace-specific payout statement is published.", "quote": "You can make a deposit using merchant card deposits, ACH credits, incoming online wires, and mail.", "source_url": "https://www.wellsfargo.com/biz/help/faqs/accounts/", "source_tier": "T1", "source_date": "accessed 2026-07-08" } ], "unknowns": [ "restricted_countries — Wells Fargo publishes no restricted/prohibited/unsupported country list for account opening (only generic OFAC references, e.g. card use in sanctioned destinations on the debit-card FAQ)", "country_acceptance: India — no explicit accept/restrict statement found", "country_acceptance: China — no explicit accept/restrict statement found", "country_acceptance: United Kingdom — no explicit accept/restrict statement found", "country_acceptance: Canada — no explicit resident-acceptance statement; only 'Canadian driver's license or ID card issued in English (Quebec-issued IDs are not accepted)' as an acceptable owner ID, which does not waive the per-signer SSN requirement", "country_acceptance: Pakistan — no explicit accept/restrict statement found", "country_acceptance: Nigeria — no explicit accept/restrict statement found", "country_acceptance: Turkey — no explicit accept/restrict statement found", "country_acceptance: Brazil — no explicit accept/restrict statement found", "marketplace_payouts — no Amazon/Stripe/marketplace-specific statement published (only generic ACH-credit/incoming-wire deposit capability cited)", "entity_requirement — no explicit statement on whether a foreign-owned single-member US LLC is accepted or refused; blockage is inferred only via the per-signer SSN rule, which is quoted separately" ] }, { "provider": "Chase Business Banking (chase.com)", "restricted_list_url": null, "claims": [ { "dimension": "entity_requirement", "country": null, "value": "US LLC must present formation documents (Articles of Organization / Certificate of Formation) and an EIN to open a business checking account", "quote": "An Employer Identification Number (EIN) is required", "source_url": "https://www.chase.com/business/resources/business-bank-account-information", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "entity_requirement", "country": null, "value": "Foreign ownership is contemplated: Chase collects country of citizenship for all 10%+ owners, and accepts non-US-citizen owners with ITIN and passport ID", "quote": "For all owners/limited partners with 10% or more ownership...Country of citizenship", "source_url": "https://www.chase.com/business/resources/business-bank-account-information", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "residency_ssn_itin", "country": null, "value": "SSN not mandatory — ITIN accepted for non-US citizens as the personal tax ID for business checking", "quote": "You also need one of the following tax identification numbers to open a business checking account: Social Security number, Individual taxpayer identification number (for non-U.S. citizens), Employer Identification Number (EIN)", "source_url": "https://www.chase.com/business/knowledge-center/start/opening-a-business-checking-account", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "residency_ssn_itin", "country": null, "value": "Foreign passport accepted as primary ID for non-US citizens without a Green Card, but ID documents must show a US address", "quote": "For non-U.S. permanent resident (without a Green Card) – Non-U.S. citizens, the following are acceptable forms of identification: Primary or Secondary ID must contain a U.S. address ... Passport w/photo", "source_url": "https://www.chase.com/content/dam/chase-ux/documents/personal/checking/acceptable-forms-of-identification.pdf", "source_tier": "T1", "source_date": "© 2024 JPMorgan Chase & Co. (accessed 2026-07-08)" }, { "dimension": "residency_ssn_itin", "country": null, "value": "Chase (personal banking education page) states non-residents can bank in the US and can use an ITIN instead of an SSN, but must show proof of US address", "quote": "Non-residents who don't have a Social Security number can apply for an Individual Taxpayer Identification Number (ITIN) instead.", "source_url": "https://www.chase.com/personal/banking/education/basics/us-bank-account-for-non-residents", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "account_rails", "country": null, "value": "Real demand deposit account held directly at JPMorgan Chase Bank, N.A. — no partner bank / FBO structure; accounts carry Chase's own ABA/ACH routing numbers", "quote": "Deposit and credit card products provided by JPMorgan Chase Bank, N.A. Member FDIC", "source_url": "https://www.chase.com/business/banking/checking/business-complete-banking", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "fdic_structure", "country": null, "value": "Direct FDIC member bank (JPMorgan Chase Bank, N.A.), not pass-through/sweep insurance via partners", "quote": "JPMorgan Chase Bank, N.A. Member FDIC", "source_url": "https://www.chase.com/content/dam/chase-ux/documents/personal/checking/acceptable-forms-of-identification.pdf", "source_tier": "T1", "source_date": "© 2024 JPMorgan Chase & Co. (accessed 2026-07-08)" }, { "dimension": "remote_onboarding", "country": null, "value": "Online application exists only for sole proprietorships, corporations, and single-member/single-manager LLCs; multi-member LLCs must visit a branch", "quote": "Only single-member and single-manager LLCs with one authorizing representative may apply online.", "source_url": "https://www.chase.com/business/resources/business-bank-account-information", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "remote_onboarding", "country": null, "value": "KYC documents must be original and presented (no copies/screenshots), with a US address recommended before opening — a branch-centric verification posture", "quote": "All documents must be original (we cannot accept copies or screenshots) and valid (not expired)", "source_url": "https://www.chase.com/content/dam/chase-ux/documents/personal/checking/acceptable-forms-of-identification.pdf", "source_tier": "T1", "source_date": "© 2024 JPMorgan Chase & Co. (accessed 2026-07-08)" }, { "dimension": "restricted_countries", "country": null, "value": "No published restricted/prohibited country list; Chase instead flags extra ID requirements for citizens of OFAC-sanctioned countries", "quote": "Note: Additional ID requirements may apply for customers from OFAC sanctioned countries. Please contact your local branch.", "source_url": "https://www.chase.com/content/dam/chase-ux/documents/personal/checking/acceptable-forms-of-identification.pdf", "source_tier": "T1", "source_date": "© 2024 JPMorgan Chase & Co. (accessed 2026-07-08)" } ], "unknowns": [ "country_acceptance: India — no explicit Chase statement found", "country_acceptance: China — no explicit Chase statement found", "country_acceptance: United Kingdom — no explicit Chase statement found", "country_acceptance: Canada — no explicit Chase statement found", "country_acceptance: Pakistan — no explicit Chase statement found", "country_acceptance: Nigeria — no explicit Chase statement found", "country_acceptance: Turkey — no explicit Chase statement found", "country_acceptance: Brazil — no explicit Chase statement found", "marketplace_payouts: no explicit Chase statement about Amazon/Stripe/marketplace payout acceptance (only generic ABA/ACH routing evidence)", "remote_onboarding: whether the online application flow accepts applicants with ITIN-only (no SSN) is not stated anywhere on chase.com", "restricted_countries: Chase publishes no explicit prohibited-country list beyond the OFAC extra-ID note" ] }, { "provider": "Payoneer", "restricted_list_url": null, "claims": [ { "dimension": "entity_requirement", "country": null, "value": "No US entity or EIN required to open an account; users register as Individual or as a Company registered in their own country", "quote": "If your business is not registered, choose Individual. If your business is registered or incorporated, for example a registered sole proprietorship, partnership, or corporation, choose Company.", "source_url": "https://payoneer.custhelp.com/app/answers/detail/a_id/30809/~/signing-up-to-payoneer-faq", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "residency_ssn_itin", "country": null, "value": "No US residency, SSN, or ITIN appears in documented verification requirements; identity verification accepts a national ID, driver's license, or passport plus proof of address", "quote": "Government-issued ID", "source_url": "https://payoneer.custhelp.com/app/answers/detail/a_id/34658/~/document-verification-%E2%80%93-faq", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "account_rails", "country": null, "value": "USD receiving account is a virtual collection account (Payoneer 'US Payment Service'), not a demand deposit account; it provides an ABA routing + account number but accepts ACH credits only and cannot send funds out", "quote": "Upon Registration, you will be provided with US Payment Service account information, which includes a US bank (ABA) number and a unique account number (the “Service Credentials”).", "source_url": "https://www.boletomachupicchu.com/gutblt/TermsPayoneerUSPaymentService.pdf", "source_tier": "T1", "source_date": "document © 2005-2013, accessed 2026-07-08" }, { "dimension": "account_rails", "country": null, "value": "Payoneer's live help center confirms the receiving account is not a bank account", "quote": "Please note that while a receiving account has some functions of banking, it is not a bank account.", "source_url": "https://payoneer.custhelp.com/app/answers/detail/a_id/18786/~/receiving-accounts---faq", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "fdic_structure", "country": null, "value": "Funds in the US Payment Service are not FDIC-insured; it is not a US bank account (no direct FDIC membership or documented pass-through insurance)", "quote": "PLEASE NOTE: THE US PAYMENT SERVICE IS NOT A BANK ACCOUNT IN THE UNITED STATES AND FUNDS RECEIVED ON YOUR BEHALF ARE NOT FDIC-INSURED.", "source_url": "https://www.boletomachupicchu.com/gutblt/TermsPayoneerUSPaymentService.pdf", "source_tier": "T1", "source_date": "document © 2005-2013, accessed 2026-07-08" }, { "dimension": "remote_onboarding", "country": null, "value": "Fully remote onboarding: online signup with document upload via in-account Verification Center; no in-person step documented", "quote": "In order to upload a document please follow these steps: 1. Sign in to Payoneer 2. Click the profile icon at the top of the menu on the right. 3. Select Settings 4. Select Verification Center", "source_url": "https://payoneer.custhelp.com/app/answers/detail/a_id/34658/~/document-verification-%E2%80%93-faq", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "restricted_countries", "country": null, "value": "Payoneer acknowledges unsupported countries exist but publishes no public restricted-country list; its 'Supported countries' help answer has been removed", "quote": "We are unable to support direct registrations via the Payoneer website from select countries and territories.", "source_url": "https://payoneer.custhelp.com/app/answers/detail/a_id/30809/~/signing-up-to-payoneer-faq", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "India", "value": "Accepts founders resident in India (dedicated official India resource hub for receiving international payments)", "quote": "For Indian freelancers, e-commerce sellers, and small businesses, working with global clients is easier than ever—yet receiving international payments remains a challenge.", "source_url": "https://www.payoneer.com/resources/country-guides/india/", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "China", "value": "Accepts users resident in China (official Chinese site payoneer.com.cn serving cross-border sellers and B2B trade merchants)", "quote": "Payoneer派安盈连接超过2000个跨境电商平台与网络，支持70个币种，帮助跨境平台卖家轻松收款，随心支付。", "source_url": "https://www.payoneer.com.cn/", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "United Kingdom", "value": "Accepts users resident in the United Kingdom (official UK resource hub incl. business-account alternative content)", "quote": "The UK Resource Hub is designed to support professionals, entrepreneurs, and businesses in navigating the fast-changing financial landscape.", "source_url": "https://www.payoneer.com/resources/country-guides/uk/", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "Canada", "value": "Accepts users resident in Canada under a Canadian license, EXCEPT Quebec (services withdrawn from Quebec)", "quote": "Payoneer has registered as a payment service provider with the Bank of Canada.", "source_url": "https://payoneer.custhelp.com/app/answers/detail/a_id/45282/~/payoneer-canada-license-faq", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "Canada", "value": "Restricted for Quebec: no services to businesses registered or individuals with billing addresses in Quebec", "quote": "Payoneer will no longer be providing services to businesses registered or individuals with billing addresses in Quebec.", "source_url": "https://payoneer.custhelp.com/app/answers/detail/a_id/45282/~/payoneer-canada-license-faq", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "Pakistan", "value": "Accepts founders resident in Pakistan (official step-by-step guides for opening individual and company accounts in Pakistan; HBL withdrawal partnership)", "quote": "How to Open a Payoneer Individual Account in Pakistan: A Step-by-Step Guide", "source_url": "https://www.payoneer.com/resources/country-guides/pakistan/", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "Brazil", "value": "Serves users in Brazil (official Portuguese-language site with Brazil-specific content; Payoneer country-guides hub features Brazilian freelancer content)", "quote": "Brazilian freelancers rise up", "source_url": "https://www.payoneer.com/resources/country-guides/", "source_tier": "T2", "source_date": "accessed 2026-07-08" } ], "unknowns": [ "restricted_countries: no provider-published restricted/prohibited country LIST exists publicly — help answer a_id 45754 'Supported countries' returns 'This answer is no longer available'; eligibility only checkable in signup flow (restricted_list_url = null)", "country_acceptance: Turkey — no provider-official (payoneer.com) evidence found this session; payoneer.com/tr/ and /tr-tr/ return 404; only third-party guides (Wise, iGen) discuss Turkey", "entity_requirement: explicit policy on whether a foreign-owned single-member US LLC can register a Payoneer Company account (US-entity registration is implied possible via 'IRS document including EIN' company-doc option, but never stated)", "account_rails: identity of the CURRENT US partner bank(s) behind the USD receiving account (First Century Bank / Community Federal Savings Bank named only in community-forum and third-party sources this session, not in fetched T1 pages)", "fdic_structure: currency of the 'not FDIC-insured' wording — the fetched US Payment Service terms mirror is dated © 2005-2013; current Services Terms are behind account login per payoneer.com/legal/", "residency_ssn_itin: no affirmative provider statement that SSN/ITIN is NOT required — claim rests on SSN/ITIN being absent from the documented verification requirements", "remote_onboarding: whether video KYC is ever required (biometric data processing notice exists at payoneer.com/legal/biometric-data-processing/ but was not fetched/verified this session)" ] }, { "provider": "Bank of America Small Business", "restricted_list_url": null, "claims": [ { "dimension": "entity_requirement", "country": null, "value": "Requires a US-formed entity operating in the US; business tax ID (EIN) or SSN required to apply for an LLC business checking account", "quote": "What you’ll need to apply: Business name & address Country & state of legal formation (must be formed in the U.S.) Business tax ID ( EIN ) or Social Security Number (SSN) Country and state of primary business operation (in the U.S.)", "source_url": "https://business.bankofamerica.com/en/deposits/checking-accounts/limited-liability-company-application-requirements", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "residency_ssn_itin", "country": null, "value": "Applicants must be US residents; foreign business customers explicitly cannot apply", "quote": "Applicants should be US residents Must be U.S. based. Foreign business customers are unable to apply at this time.", "source_url": "https://business.bankofamerica.com/en/deposits/checking-accounts/limited-liability-company-application-requirements", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "residency_ssn_itin", "country": null, "value": "SSN required for everyone on the application including all 25%+ beneficial owners and the controlling manager; ITIN/foreign passport not mentioned as an accepted substitute on the LLC application-requirements page", "quote": "Personal information (i.e., SSN and DOB) for everyone on the application, including those with at least 25% or more ownership and the controlling manager of the business", "source_url": "https://business.bankofamerica.com/en/deposits/checking-accounts/limited-liability-company-application-requirements", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "fdic_structure", "country": null, "value": "Direct FDIC member bank — deposit products provided by Bank of America, N.A. and affiliated Member-FDIC banks, not a pass-through/sweep fintech structure", "quote": "Deposit products are provided by Bank of America, N.A., and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.", "source_url": "https://business.bankofamerica.com/en/deposits/checking-accounts", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "remote_onboarding", "country": null, "value": "Online application available (plus phone and branch), often same-day — but the online channel excludes non-US-resident/foreign business customers", "quote": "You can open a Bank of America business checking account in three ways: Choose your business checking account and apply online Call 866.283.4075, to speak with a specialist Visit a financial center", "source_url": "https://business.bankofamerica.com/en/deposits/checking-accounts", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "restricted_countries", "country": null, "value": "No dedicated account-eligibility restricted-country list published; site Terms & Conditions (shown on the LLC application-requirements page) bar access from OFAC-sanctioned countries incl. Cuba, Iran, Iraq, Libya, North Korea, Sudan, Syria", "quote": "Offices, residents and operations of your organization in Cuba, Iran, Iraq, Libya, North Korea, Sudan, Syria and any other countries that are the subject of sanctions by the United States Office of Foreign Asset Control or other general U.S. embargo restrictions are not permitted to access and use the Sites, and any such access and use is a violation of these Terms and Conditions.", "source_url": "https://business.bankofamerica.com/en/deposits/checking-accounts/limited-liability-company-application-requirements", "source_tier": "T1", "source_date": "accessed 2026-07-08" } ], "unknowns": [ "country_acceptance: India — no country-explicit evidence; only the blanket 'Applicants should be US residents / Foreign business customers are unable to apply' policy applies", "country_acceptance: China — no country-explicit evidence; blanket US-residency requirement applies", "country_acceptance: United Kingdom — no country-explicit evidence; blanket US-residency requirement applies", "country_acceptance: Canada — no country-explicit evidence; blanket US-residency requirement applies", "country_acceptance: Pakistan — no country-explicit evidence; blanket US-residency requirement applies", "country_acceptance: Nigeria — no country-explicit evidence; blanket US-residency requirement applies", "country_acceptance: Turkey — no country-explicit evidence; blanket US-residency requirement applies", "country_acceptance: Brazil — no country-explicit evidence; blanket US-residency requirement applies", "marketplace_payouts — no provider statement found about Amazon/Stripe/marketplace payouts; routing-number FAQ only references direct deposit of 'regular monthly income (such as your salary, pension, or Social Security benefits)'", "residency_ssn_itin: ITIN — no official page found stating whether an ITIN can substitute for SSN on a business checking application", "remote_onboarding: in-branch path for non-residents — no official page found stating whether a non-resident owner can open in person at a branch (official pages only address the online/phone/branch channels generically and bar foreign business customers from applying)" ] }, { "provider": "NorthOne", "restricted_list_url": null, "claims": [ { "dimension": "entity_requirement", "country": null, "value": "Requires a legally incorporated U.S. entity (or sole proprietor) with a verifiable U.S. street address; virtual offices, P.O. boxes, and commercial mail addresses not accepted", "quote": "(iii) the Customer is a legally incorporated U.S. entity (or person in the case of a sole proprietorship) with a verifiable U.S. street address (not a P.O. Box or any commercial mailing service addresses, such as a virtual office)", "source_url": "https://northone-agreements-prod.s3.amazonaws.com/pdf/ACCOUNT_AGREEMENT.pdf", "source_tier": "T1", "source_date": "This Agreement is effective 07/2025 (fetched 2026-07-08)" }, { "dimension": "entity_requirement", "country": null, "value": "Application requires an EIN for LLC/S-corp/partnership plus applicant SSN and a valid US phone number", "quote": "Here's what you'll need to get started: Valid American Phone Number / Social Security Number / Employment Insurance number (for LLC, S corp, and Partnerships) / Physical Home and Business Addresses* / Details about your business and owner(s) [rendered as a bulleted list on the page]", "source_url": "https://web.archive.org/web/20251006192227/http://help.northone.com/en/articles/5091619-how-do-i-apply-for-a-north-one-account", "source_tier": "T1", "source_date": "Wayback snapshot 2025-10-06 (live help.northone.com returned 404 to fetchers on 2026-07-08)" }, { "dimension": "residency_ssn_itin", "country": null, "value": "Beneficial owner/applicant must be a U.S. citizen or legal resident residing in the 50 states or D.C. — non-US-resident founders are excluded by the Deposit Account Agreement", "quote": "By opening, using or authorizing the use of the Account, you represent and warrant to us that: (i) you are at least 18 years of age (or older in a state where the majority age is older); (ii) you are a U.S. citizen or legal resident residing in the fifty (50) states of the United States (\"U.S.\") or the District of Columbia", "source_url": "https://northone-agreements-prod.s3.amazonaws.com/pdf/ACCOUNT_AGREEMENT.pdf", "source_tier": "T1", "source_date": "This Agreement is effective 07/2025 (fetched 2026-07-08)" }, { "dimension": "residency_ssn_itin", "country": null, "value": "SSN is a listed application requirement; foreign passport / ITIN-only path is not offered", "quote": "Here's what you'll need to get started: Valid American Phone Number / Social Security Number [bulleted list on page]", "source_url": "https://web.archive.org/web/20251006192227/http://help.northone.com/en/articles/5091619-how-do-i-apply-for-a-north-one-account", "source_tier": "T1", "source_date": "Wayback snapshot 2025-10-06 (live help.northone.com returned 404 to fetchers on 2026-07-08)" }, { "dimension": "account_rails", "country": null, "value": "Real demand deposit account issued by The Bancorp Bank, N.A. with its own account + routing number usable for ACH, wires, and direct deposit; NOT a virtual wallet", "quote": "The Account is a demand deposit account to be used by a business entity to make payments and transfers to third parties using online services or the debit card that is automatically issued with the Account.", "source_url": "https://northone-agreements-prod.s3.amazonaws.com/pdf/ACCOUNT_AGREEMENT.pdf", "source_tier": "T1", "source_date": "This Agreement is effective 07/2025 (fetched 2026-07-08)" }, { "dimension": "account_rails", "country": null, "value": "Account and routing numbers can receive wire, ACH, and direct deposit and connect to external services; no SWIFT code, international wires rejected", "quote": "Among other things, your Account and routing number are used to receive a wire, ACH, or direct deposit, as well as to connect externally to other accounts. This includes services like Venmo, Cash App, and PayPal.", "source_url": "https://web.archive.org/web/20250906215603/http://help.northone.com/en/articles/9486187-how-do-i-find-my-account-and-routing-numbers", "source_tier": "T1", "source_date": "Wayback snapshot 2025-09-06" }, { "dimension": "fdic_structure", "country": null, "value": "NorthOne is not a bank and not itself FDIC-insured; deposits are FDIC-insured up to $250,000 through partner bank The Bancorp Bank, N.A.", "quote": "Deposits made to your North One Small Business Deposit Account are FDIC-insured up to $250,000 by The Bancorp Bank, N.A., Member FDIC.", "source_url": "https://web.archive.org/web/20251006192848/http://help.northone.com/en/articles/5091653-are-my-deposits-fdic-insured", "source_tier": "T1", "source_date": "Wayback snapshot 2025-10-06" }, { "dimension": "remote_onboarding", "country": null, "value": "Fully remote/online signup (web or mobile app), no branches; requires US phone, SSN, EIN (for LLCs), physical US home and business addresses, and government ID; virtual addresses/PO boxes rejected", "quote": "North One is an exclusively online-based financial technology company. Since we have no physical branches, we must follow additional security precautions to ensure the security of our accounts. Due to this, we are unable to accept any virtual addresses, PO boxes, or commercial mail service addresses.", "source_url": "https://web.archive.org/web/20251006192227/http://help.northone.com/en/articles/5091619-how-do-i-apply-for-a-north-one-account", "source_tier": "T1", "source_date": "Wayback snapshot 2025-10-06" }, { "dimension": "restricted_countries", "country": null, "value": "No published restricted/prohibited country list found; instead a blanket rule limits accounts to US citizens/legal residents in the 50 states or D.C., and all international money movement is unsupported", "quote": "At this time, North One can only support domestic wire transfers* in and out of your North One Account. We do not support any international methods for money movement.", "source_url": "https://web.archive.org/web/20250430101945/http://help.northone.com/en/articles/6519031-can-i-receive-an-international-wire-transfer-into-my-north-one-account", "source_tier": "T1", "source_date": "Wayback snapshot 2025-04-30" }, { "dimension": "marketplace_payouts", "country": null, "value": "Explicitly supports receiving Amazon disbursements, Stripe payouts, and Shopify/Etsy/Square/PayPal deposits directly into the account", "quote": "Amazon: Add your North One Account in Amazon Pay to receive disbursements directly into your North One Account ... Shopify: Add North One to your Shopify account to receive deposits directly into your North One Account ... Stripe: Connect to Stripe to get paid directly into your North One Account", "source_url": "https://web.archive.org/web/20250211062610/http://help.northone.com/en/articles/4722833-integrate-with-third-party-software", "source_tier": "T1", "source_date": "Wayback snapshot 2025-02-11" } ], "unknowns": [ "country_acceptance: India — no explicit provider statement (excluded only implicitly by the blanket US-residency rule)", "country_acceptance: China — no explicit provider statement", "country_acceptance: United Kingdom — no explicit provider statement", "country_acceptance: Canada — no explicit statement in the current (07/2025) Deposit Account Agreement; third-party reviews cite an older version that allowed 'a resident of Canada who owns a legally incorporated U.S. entity', but that language is absent from the current T1 agreement and the source help article could not be fetched live (help.northone.com returned 404 to all fetchers on 2026-07-08)", "country_acceptance: Pakistan — no explicit provider statement", "country_acceptance: Nigeria — no explicit provider statement", "country_acceptance: Turkey — no explicit provider statement", "country_acceptance: Brazil — no explicit provider statement", "restricted_countries: no provider-published restricted-country list exists (restricted_list_url = null)", "residency_ssn_itin: ITIN acceptance never explicitly addressed by provider (only SSN listed as required; sweepstakes T&Cs mention ITIN but do not govern account opening)" ] }, { "provider": "Rho (rho.co)", "restricted_list_url": "https://www.rho.co/help-center/banking/can-i-open-a-rho-account-if-i-dont-live-in-the-u-s", "claims": [ { "dimension": "entity_requirement", "country": null, "value": "Requires a US-incorporated entity; account opening additionally requires EITHER a US operating address OR one US-based business owner with a valid SSN — a foreign-owned single-member US LLC with no US operating address and no US-based owner does not meet the stated criteria", "quote": "Rho partners with Banks to offer accounts to business owners worldwide. However, entities must be incorporated in the United States, and either hold a US Operating Address or have one business owner based in the United States with a valid tax identification number (SSN).", "source_url": "https://www.rho.co/hc/can-i-open-a-rho-account-if-i-dont-live-in-the-u-s", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "residency_ssn_itin", "country": null, "value": "Owners may live outside the US ('business owners worldwide'), but if the entity has no US operating address, at least one business owner must be US-based with a valid SSN; no ITIN or foreign-passport-only path is documented", "quote": "entities must be incorporated in the United States, and either hold a US Operating Address or have one business owner based in the United States with a valid tax identification number (SSN).", "source_url": "https://www.rho.co/hc/can-i-open-a-rho-account-if-i-dont-live-in-the-u-s", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "residency_ssn_itin", "country": null, "value": "SSN is described as a required data point for customer identification in the Rho application", "quote": "Your social security number is one of several data points required for Rho to fulfill mandatory customer identification requirements in support of your Rho application.", "source_url": "https://www.rho.co/hc/applying-to-rho-faqs", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "fdic_structure", "country": null, "value": "Pass-through structure: Rho is a fintech (not a bank); deposits held via Webster Bank, N.A. Member FDIC, with expanded coverage up to $75M via a sweep network of 400+ FDIC-insured banks", "quote": "Rho is a fintech company, not a bank or an FDIC-insured depository institution.", "source_url": "https://www.rho.co/faq", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "remote_onboarding", "country": null, "value": "Application is online (resumable by email); virtual office addresses are explicitly not permitted; documents requested include articles of incorporation and EIN; no in-person branch requirement is mentioned, but no explicit 'fully remote from abroad' statement either", "quote": "Virtual addresses from Regus or any other provider are not permitted.", "source_url": "https://www.rho.co/hc/applying-to-rho-faqs", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "restricted_countries", "country": null, "value": "Published ineligible-locations list of 8 sanctioned/high-risk countries: Cuba, Iran, North Korea, Russia, South Sudan, Sudan, Syria, Venezuela; payments to these countries also unsupported", "quote": "INELIGIBLE LOCATIONS: Cuba; Iran, Islamic Republic of; Korea, Democratic People's Republic of; Russian Federation; South Sudan; Sudan; Syrian Arab Republic; Venezuela, Bolivarian Republic of. Rho also does not support payments to these countries.", "source_url": "https://www.rho.co/hc/can-i-open-a-rho-account-if-i-dont-live-in-the-u-s", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "Nigeria", "value": "Nigeria is NOT on the account-eligibility ineligible-locations list (so residency is not explicitly barred), but Nigeria IS on Rho's International Banking Payment restriction and Card Transaction restriction lists — payments to Nigeria are restricted", "quote": "NG | Nigeria", "source_url": "https://www.rho.co/hc/restricted-countries-and-international-payment-types", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "Pakistan", "value": "Pakistan is NOT on the account-eligibility ineligible-locations list, but IS on the International Banking Payment restriction and Card Transaction restriction lists; a PKR exception exists with payments to businesses not supported", "quote": "PK | Pakistan | PKR (Payments to businesses are currently not supported)", "source_url": "https://www.rho.co/hc/restricted-countries-and-international-payment-types", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "country_acceptance", "country": "Brazil", "value": "Brazil is NOT on the account-eligibility ineligible-locations list; BRL payments carry an exception where payments to businesses are not supported (individuals only)", "quote": "BR | Brazil | BRL (Payments to businesses are currently not supported)", "source_url": "https://www.rho.co/hc/restricted-countries-and-international-payment-types", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "marketplace_payouts", "country": null, "value": "Rho is natively supported in Stripe Financial Connections — third-party apps doing Stripe payment processing/payouts can connect directly to a Rho bank account", "quote": "Additionally, if you use a third-party app built on Stripe Financial Connections (such as Stripe payment processing, payouts, or payroll tools like Central), you can now connect that app directly to your Rho bank account!", "source_url": "https://www.rho.co/help-center/payments", "source_tier": "T1", "source_date": "accessed 2026-07-08" }, { "dimension": "marketplace_payouts", "country": null, "value": "PayPal business accounts can be linked to Rho for pay-in/pay-out; Payoneer is explicitly NOT supported", "quote": "Unfortunately, we do not support Payoneer.", "source_url": "https://www.rho.co/hc/rhos-supported-cash-flow-apps", "source_tier": "T1", "source_date": "accessed 2026-07-08" } ], "unknowns": [ "country_acceptance: India — no explicit acceptance or restriction found (not on any Rho list fetched)", "country_acceptance: China — no explicit acceptance or restriction found", "country_acceptance: United Kingdom — no explicit acceptance or restriction found", "country_acceptance: Canada — no explicit acceptance or restriction found", "country_acceptance: Turkey — no explicit acceptance or restriction found", "country_acceptance: Nigeria/Pakistan/Brazil — only payment-side restrictions found; no explicit statement on founder-residency acceptance for these countries", "residency_ssn_itin: whether ITIN can substitute for SSN, and whether a foreign passport suffices for KYC of non-US owners — not stated", "account_rails: whether the Rho checking account is a directly titled DDA at Webster Bank vs an FBO/custodial structure — not explicitly stated on fetched pages", "remote_onboarding: no explicit statement that onboarding is fully remote from abroad; no details on video KYC or passport requirements", "marketplace_payouts: no provider statement found about Amazon marketplace payouts or the routing number's ABA type", "entity_requirement: the sentence 'Rho does not offer services to sole proprietorships or unincorporated businesses' surfaced in search snippets attributed to rho.co but could not be pinned to a fetched page this session" ] }, { "provider": "Meow (meow.com)", "restricted_list_url": "https://support.meow.com/articles/8263289629-prohibited-countries", "claims": [ { "dimension": "entity_requirement", "country": null, "value": "Accepts US-registered entities including single-member and multi-member LLCs; also accepts non-US entities subject to country eligibility", "quote": "Meow supports account opening for the following business and entity structures: U.S.-registered entities: LLCs (Single-member and multi-member) C-Corporations S-Corporations ... International and offshore entities: Cayman Islands entities (including Cayman funds and holding companies) Other non-U.S. business entities (subject to country eligibility)", "source_url": "https://support.meow.com/articles/5258706896-what-types-of-businesses-and-entities-can-open-a-meow-account", "source_tier": "T1", "source_date": "Last updated 2 months ago (accessed 2026-07-08)" }, { "dimension": "entity_requirement", "country": null, "value": "EIN is required for LLCs/corporations, but account opening can proceed with a pending EIN (SS-4 confirmation) if the official EIN letter is provided within 60 days", "quote": "As an LLC or corporation, you'll need an EIN to open a business account, even if you don't have employees. This is required for verification and tax reporting purposes. ... You must provide the official EIN documentation within 60 days of account opening to maintain compliance.", "source_url": "https://support.meow.com/articles/8420256334-can-i-open-a-business-account-without-an-ein-or-with-a-pending-ein-application", "source_tier": "T1", "source_date": "Last updated 8 months ago (accessed 2026-07-08)" }, { "dimension": "residency_ssn_itin", "country": null, "value": "US companies founded by non-US-resident founders are accepted unless the founder lives in (or in some cases is a citizen of) a listed prohibited country", "quote": "We support U.S. companies founded by people from around the world, however we currently are unable to open accounts for founders and beneficial owners living in or, in some cases, who are citizens of the following countries.", "source_url": "https://support.meow.com/articles/8263289629-prohibited-countries", "source_tier": "T1", "source_date": "Last updated 5 months ago (accessed 2026-07-08)" }, { "dimension": "residency_ssn_itin", "country": null, "value": "Published application requirements do not list SSN or ITIN; non-US citizens must submit an official government ID, and proof of a physical operating address (US or abroad) is required — virtual addresses insufficient", "quote": "— The physical address from where your business operates, whether in the U.S. or abroad. You will also need to submit proof of that address (a bank statement, lease agreement, etc.). A virtual address is insufficient; even if your company is remote-first, you'll need to provide a physical address associated with your company. — In some cases, like if you're not a U.S. citizen, you will be required to submit an official government ID. — Identifying information of all beneficial owners", "source_url": "https://www.meow.com/faq", "source_tier": "T1", "source_date": "Last updated April 21, 2026" }, { "dimension": "account_rails", "country": null, "value": "Business checking account with its own wire and ACH account/routing details, provided through partner banks Cross River Bank and Grasshopper Bank, N.A.", "quote": "Your wire and ACH details are available directly in the dashboard under your Business Checking account. You can also generate a bank verification letter anytime.", "source_url": "https://www.meow.com/faq", "source_tier": "T1", "source_date": "Last updated April 21, 2026" }, { "dimension": "fdic_structure", "country": null, "value": "Not a bank; pass-through FDIC coverage via partner banks (Cross River Bank, Grasshopper Bank N.A.) with deposits swept across the IntraFi network in sub-SMDIA increments", "quote": "Deposit placement through an IntraFi service is subject to the terms, conditions, and disclosures in applicable agreements. Deposits that are placed through an IntraFi service at FDIC-insured banks in IntraFi's network are eligible for FDIC deposit insurance coverage at the network banks. ... Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (\"SMDIA\") at any one bank, a depositor's balances at the institution that places deposits may be uninsured.", "source_url": "https://www.meow.com/faq", "source_tier": "T1", "source_date": "Last updated April 21, 2026" }, { "dimension": "remote_onboarding", "country": null, "value": "Fully online application (~10 minutes) with document upload; no in-person step mentioned anywhere", "quote": "The application itself takes under 10 minutes once your documents are ready. Our team will email you with the next steps as your application is reviewed.", "source_url": "https://www.meow.com/faq", "source_tier": "T1", "source_date": "Last updated April 21, 2026" }, { "dimension": "remote_onboarding", "country": null, "value": "Non-US entities must additionally upload a formation document and a completed W-8 BEN-E form, as PDFs, during online onboarding", "quote": "All foreign entities must complete and submit a W-8 BEN-E form as part of the verification process. ... All documents must be submitted as PDF files. Other file formats will not be accepted during the upload process.", "source_url": "https://support.meow.com/articles/2435094566-document-requirements-for-non-us-business-verification-during-onboarding", "source_tier": "T1", "source_date": "Last updated 5 months ago (accessed 2026-07-08)" }, { "dimension": "restricted_countries", "country": null, "value": "Publishes a prohibited-country list of 35 countries covering founders/beneficial owners living in (or in some cases citizens of) those countries", "quote": "We support U.S. companies founded by people from around the world, however we currently are unable to open accounts for founders and beneficial owners living in or, in some cases, who are citizens of the following countries. Afghanistan Belarus Burundi Cameroon Central African Republic The Democratic Republic of Congo Croatia Cuba Eritrea Guinea Bissau Haiti Iran Iraq Kenya Kosovo Lebanon Libya Mali Mozambique Myanmar Nigeria North Korea Panama Philippines Russia Somalia South Sudan Sudan Syria Taiwan Tanzania Ukraine Venezuela Vietnam Yemen", "source_url": "https://support.meow.com/articles/8263289629-prohibited-countries", "source_tier": "T1", "source_date": "Last updated 5 months ago (accessed 2026-07-08)" }, { "dimension": "country_acceptance", "country": "India", "value": "India is on Meow's published supported-country list for account opening and onboarding", "quote": "The following countries are supported for account opening and onboarding: ... Hong Kong, Hungary, Iceland, India, Indonesia, Ireland ...", "source_url": "https://support.meow.com/articles/8173743656-what-countries-does-meow-support", "source_tier": "T1", "source_date": "Last updated 2 months ago (accessed 2026-07-08)" }, { "dimension": "country_acceptance", "country": "United Kingdom", "value": "United Kingdom is on Meow's published supported-country list for account opening and onboarding", "quote": "The following countries are supported for account opening and onboarding: ... Uganda, Ukraine, United Arab Emirates, United Kingdom, United States ...", "source_url": "https://support.meow.com/articles/8173743656-what-countries-does-meow-support", "source_tier": "T1", "source_date": "Last updated 2 months ago (accessed 2026-07-08)" }, { "dimension": "country_acceptance", "country": "Canada", "value": "Canada is on Meow's published supported-country list for account opening and onboarding", "quote": "The following countries are supported for account opening and onboarding: ... Cambodia, Cameroon, Canada, Cayman Islands ...", "source_url": "https://support.meow.com/articles/8173743656-what-countries-does-meow-support", "source_tier": "T1", "source_date": "Last updated 2 months ago (accessed 2026-07-08)" }, { "dimension": "country_acceptance", "country": "Turkey", "value": "Turkey is on Meow's published supported-country list for account opening and onboarding", "quote": "The following countries are supported for account opening and onboarding: ... Tonga, Trinidad & Tobago, Turkey, Turkmenistan, Turks and Caicos Islands ...", "source_url": "https://support.meow.com/articles/8173743656-what-countries-does-meow-support", "source_tier": "T1", "source_date": "Last updated 2 months ago (accessed 2026-07-08)" }, { "dimension": "country_acceptance", "country": "Brazil", "value": "Brazil is on Meow's published supported-country list for account opening and onboarding", "quote": "The following countries are supported for account opening and onboarding: ... Botswana, Bouvet Island, Brazil, British Indian Ocean Territory, British Virgin Islands ...", "source_url": "https://support.meow.com/articles/8173743656-what-countries-does-meow-support", "source_tier": "T1", "source_date": "Last updated 2 months ago (accessed 2026-07-08)" }, { "dimension": "country_acceptance", "country": "Nigeria", "value": "CONFLICTING T1 evidence: Nigeria is on the (older) prohibited-country list AND on the (newer) supported-country list", "quote": "PROHIBITED page (updated 5 months ago): \"...unable to open accounts for founders and beneficial owners living in or, in some cases, who are citizens of the following countries. Afghanistan ... Nigeria ...\" | SUPPORTED page (updated 2 months ago): \"The following countries are supported for account opening and onboarding: ... Nicaragua, Niger, Nigeria, Niue ...\"", "source_url": "https://support.meow.com/articles/8263289629-prohibited-countries", "source_tier": "T1", "source_date": "Prohibited list updated 5 months ago; supported list updated 2 months ago (both accessed 2026-07-08)" }, { "dimension": "country_acceptance", "country": "China", "value": "Mainland China is ABSENT from Meow's exhaustive supported-country list (Hong Kong, Macao, and Taiwan are listed; Taiwan also appears on the prohibited list)", "quote": "The following countries are supported for account opening and onboarding: ... Central African Republic, Chad, Chile, Christmas Island, Cocos (Keeling) Islands, Colombia ... [China does not appear anywhere in the list; the list does include] Hong Kong ... Macao ... Taiwan ...", "source_url": "https://support.meow.com/articles/8173743656-what-countries-does-meow-support", "source_tier": "T1", "source_date": "Last updated 2 months ago (accessed 2026-07-08)" }, { "dimension": "country_acceptance", "country": "Pakistan", "value": "Pakistan is ABSENT from Meow's exhaustive supported-country list (and also absent from the prohibited list)", "quote": "The following countries are supported for account opening and onboarding: ... Oman, Palau, Panama, Papua New Guinea, Paraguay ... [Pakistan does not appear anywhere in the list]", "source_url": "https://support.meow.com/articles/8173743656-what-countries-does-meow-support", "source_tier": "T1", "source_date": "Last updated 2 months ago (accessed 2026-07-08)" }, { "dimension": "marketplace_payouts", "country": null, "value": "Meow states it integrates directly with Stripe for customer-payment settlement into Meow accounts; account has its own ACH/wire details usable for payouts", "quote": "Meow integrates directly with Stripe for customer payment settlement into Meow accounts, which closes the loop on revenue collection without a manual transfer step.", "source_url": "https://www.meow.com/blog/meow-vs-mercury-ai-startups", "source_tier": "T2", "source_date": "Published on Tuesday, May 26, 2026" } ], "unknowns": [ "residency_ssn_itin — no explicit Meow statement that SSN/ITIN is or is not required (only absence from the published requirements list)", "country_acceptance: Nigeria — unresolved conflict between Meow's prohibited-country list (Nigeria prohibited, updated ~5 months ago) and supported-country list (Nigeria supported, updated ~2 months ago)", "country_acceptance: China — no explicit statement either way; absent from both the supported and prohibited lists", "country_acceptance: Pakistan — no explicit statement either way; absent from both the supported and prohibited lists", "marketplace_payouts — no provider statement about Amazon or non-Stripe marketplace payouts, and no disclosure of routing number type", "account_rails — Meow does not publish which specific partner bank (Grasshopper vs Cross River vs FirstBank/Third Coast/OMB) issues a given customer's routing/account number", "remote_onboarding — no explicit statement on whether video KYC/selfie is mandatory for non-US founders (Plaid verification referenced but specifics not published)" ] } ] }