Banking
What to do when every US bank rejects your Delaware LLC
Recovery paths when Mercury, Wise, Relay, Lili, and Payoneer all reject the same applicant. EMI alternatives, restructuring, reapplication.
Why total rejection happens
High-risk industry classification: crypto custody, adult content, certain dropshipping patterns, regulated firearms or cannabis-adjacent.
Sanctions-related country exposure or KYC concerns about founder identity.
Recovery paths
Wise Business as multi-currency workhorse.
Payoneer for marketplace revenue routing.
Reapply after 6-12 months with documented US footprint.
EMI alternatives: Brex Business, Airwallex, Revolut Business.
Restructure the business
Sometimes splitting high-risk and low-risk revenue streams into different entities opens banking options. Engage a US business attorney for restructuring planning.
Form your Delaware LLC with Delewarellc
$297 + Delaware state fee, one-time. 8-10 day turnaround. Multilingual founder-led support.
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