Bank	Country	KYC	Rating	Remark
Mercury	United States	HARD	4.5	US LLC friendly, no in-person visit, fast onboarding.
Wise	Belgium	SOFT	4	Multi-currency, weak credit features, great FX.
Bank of Georgia	Georgia	SOFT	4	Remote-friendly, USD/EUR/GEL accounts in a day.
DBS	Singapore	HARD	4.5	Tier-1 Asia hub, substance expected, strong rails.
Mashreq NeoBiz	United Arab Emirates	HARD	3.5	Free-zone company route, paperwork heavy.
Revolut Business	Lithuania	SOFT	3.5	Quick EMI, account freezes are a known risk.
Swissquote	Switzerland	HARD	4	Brokerage-grade, accepts non-residents, high bar.
Banco BiG	Portugal	SOFT	3.5	EU IBAN, NHR-era favourite, English support thin.
Zen	Malta	SOFT	3	EMI, good for e-commerce, limited cash handling.
OCBC	Singapore	HARD	4	Solid SME desk, prefers regional substance.
Choice Bank	Belize	SOFT	2.5	Offshore, crypto-tolerant, correspondent risk.
Caye International	Belize	HARD	3	Asset-protection focus, high minimums.
Maybank	Malaysia	HARD	3.5	Labuan structures, in-person step usually required.
Banco Pichincha	Ecuador	SOFT	2.5	Dollarized, residency helps, slow wires.
Tinkoff	Armenia	SOFT	3	Regional cards, sanctions exposure to watch.

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