> For the complete documentation index, see [llms.txt](https://legal.delos-banking.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://legal.delos-banking.com/risk-acceptance/business-risk-rating.md). # 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 --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://legal.delos-banking.com/risk-acceptance/business-risk-rating.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.