Business Risk Rating

Eligibility Disclaimer

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

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.

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)

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

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