Prohibited Products & Services List

What We Cannot Support

Our compliance framework prohibits us from providing services for certain products, industries, and activities. This list reflects regulatory requirements, banking partnerships' restrictions, and our own risk tolerance. If your business involves any of these categories, we cannot be your service provider.

Prohibited Categories

Illegal goods and services: Any product or service that is illegal in your jurisdiction or the destination jurisdiction.
Gambling and gaming: Casinos, sports betting, poker platforms, lotteries, and similar wagering operations.
Alcohol and controlled substances: Sale or distribution of alcohol or illegal drugs.
Adult content and services: Pornography, escort services, and related adult entertainment.
Debt services and debt collection: Debt restructuring, debt buying, and aggressive collection operations.
Multilevel marketing and pyramid schemes: MLM structures, Ponzi schemes, and high-yield investment programs (HYIPs).
High-yield investment programs (HYIPs): Fraudulent investment schemes offering unrealistic returns.
Counterfeiting: Reproduction of currency, documents, or branded goods.
Human trafficking: Any facilitation of human trafficking or forced labor.
Hate speech and extremism: Platforms or organizations promoting hate speech, discrimination, or extremist ideologies.
Unlicensed money service businesses: Operating as an MSB without required licenses and compliance framework.
ATM and POS networks: Operating standalone ATM networks or point-of-sale payment processing without proper licensing and compliance.
Certain virtual currency operations: Exchanges, mining operations, and wallet services may require special assessment and approval.
Transactions with sanctioned countries or FATF grey-list countries: As detailed in our sanctions list.

Grey Areas That Require Discussion

Some industries sit in a regulatory grey zone and require individual assessment:

Cryptocurrency and blockchain: Not all crypto businesses are prohibited, but we assess each case individually for AML risk and regulatory compliance.
e-Liquor sales: May be acceptable depending on jurisdiction and licensing.
Cannabis (legal jurisdictions): Legal cannabis businesses in compliant jurisdictions may be eligible, but require enhanced due diligence.
Trading and speculation: Forex trading, stock brokers, and commodity trading require specific assessment.

If your business falls into a grey area, disclose it during your initial consultation. We'll evaluate your specific compliance setup and advise whether we can work together.

Why These Restrictions Exist

These prohibitions protect our banking partners, our regulatory compliance, and ultimately our ability to serve legitimate businesses. Banks can withdraw their correspondent relationships if we facilitate prohibited activities. Regulators can impose penalties. Being clear about what we won't touch allows us to focus on businesses we can reliably serve.

If You're Unsure

Your industry might not obviously fall into one of these categories. Contact us with details about your business, and we'll give you a clear yes, no, or "requires assessment" answer.