# Business Risk Rating

### Eligibility Disclaimer

> Eligibility criteria may vary on a case-by-case basis and are non-exhaustive.

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### Low-Risk

**Must be** a corporate in a “low-risk” country **AND** **not** involved in any of:

* Cryptocurrency or cryptocurrency-adjacent businesses, or regular digital-currency transactions
* I-Gaming
* Forex/CFDs
* MSBs / financial institutions processing downstream payments
* High-risk countries or activities (see “Countries by Risk”)

**Must not trigger** any of these red flags:

* Newly established companies (≤ 12 months) without a solid business plan
* Limited online presence
* Operating in prohibited, medium- or higher-risk industries
* Payments to high-risk jurisdictions
* Other red flags identified via compliance controls or proof of address

**May be considered** under the low-risk model (fees may vary):

* Marketplaces
* Crowdfunding / crowdlending platforms
* Affiliate-marketing schemes
* Embassies, consulates, diplomatic missions
* Economic-citizenship / citizenship-by-investment programs
* Scholarship programs (beneficiary ≠ educational institution)
* Charities and non-profits
* EU- or UK-regulated iGaming (and associated group companies)
* EU-regulated CFD/Forex (and associated group companies)
* Financial institutions and/or MiCA- or Tier-1-jurisdiction VASPs (operational payments only)
* Financial institutions for B2C payouts and 1st-party wholesale FX

> **Note:** Businesses outside the above jurisdictions may be assessed on a case-by-case basis—please inquire individually.

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### Medium-Risk

**Affiliated with medium-risk jurisdictions** and/or **involved in**:

* Crypto exchanges or any VASP
* Financial institutions (e.g., VC or investment funds; some exceptions apply)
* Money service businesses / money transmitters
* Offshore incorporations
* Opaque ownership structures (nominee directors/shareholders)
* Sweepstakes operators
* Securities dealers
* Higher-risk corporate service providers
* Web3 companies with regular virtual-currency transactions
* Market makers or liquidity providers
* Newly established companies not qualifying as low risk
* Limited online presence
* Payments to high-risk countries
* EU-/UK-regulated iGaming or CFD/Forex group companies
* Charities, non-profits, scholarship programs (beneficiary ≠ educational institution)

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### Higher-Risk

**Affiliated with higher-risk countries** and/or **involved in**:

* Offshore-regulated iGaming (and associated group companies)
* Opaque ownership (nominee directors/shareholders)
* Offshore-regulated CFD/Forex (and associated group companies)
* Paying-agent companies
* High-risk merchant processors
* Adult-adjacent businesses (ultra-limited, board & correspondent-bank approval required)
* Interactions with high-risk jurisdictions
* Offshore banks or regulated money transmitters (alternative pricing may apply)
* ICOs / IDOs
* Nutraceuticals and supplements (excluding MLM)
* Precious-metals trading
* Economic-citizenship or citizenship-by-investment programs