Gaming, crypto, marketplace, digital info-products, supplements, vertical e-commerce. We operate with you if your business is legal in your jurisdiction and passes our specific due diligence. Dedicated advisor throughout the process.
KYB with sector due diligence · No setup cost · Availability subject to jurisdiction and sector
We operate if you comply
We do not operate with
You were operating normally. One day you get a generic email: "after internal review, we're closing your account in 30 days". No clear reason. No one to talk to. Your entire operation on pause.
You applied for an account at 5 institutions. Three ignored you. Two rejected you with no reason given. Nobody tells you whether it's the sector, your company's jurisdiction, the volume, or something concrete you could fix.
4-5 % fees per transaction. Volume limits. Manual transfer blocks for "suspicious" amounts. Reserves of up to 6 months on your collections. Your margin disappears.
Stripe limits or closes your merchant account. PayPal freezes 25 % of your collections as a reserve. Your current gateway doesn't accept your sector and refers you to an "alternative" that charges double.
When a gaming, marketplace or crypto company applies, we don't reject by default. We do due diligence proportional to the sector: applicable regulatory licenses, jurisdiction of operation, expected fund flows, internal AML controls. If the model complies, we operate.
You don't talk to a generic rep. Your dedicated advisor has experience in specific sectors (gaming, crypto, marketplace, etc.). They understand your model, your applicable regulation and your real operational constraints.
We operate under MiCA and AML/CTF. Active transaction monitoring. If your model meets applicable regulatory criteria, we operate with you. If not, we tell you clearly from the first call. We don't waste your time.
Once KYB is approved, you operate with the same stability as any client. No preventive blocks for unjustified "suspicious" amounts, no arbitrary reserves on your collections. Any restrictions that apply are written in your contract, not surprises.
Each sector has specific due diligence. We operate with you if your business is legal in your jurisdiction, holds applicable licenses (if any), and passes our due diligence.
Operators licensed in supported jurisdictions (Malta, Curaçao, UK, Spain, others). Sports betting, online casino, poker, esports. Due diligence on active licenses, responsible gaming and internal AML.
Exchanges, custodians, DEXs, DAOs, NFT marketplaces, Web3 infrastructure. Due diligence on the business's own KYC, sanctions exposure and source of funds. We operate with applicable VASP / MiCA licenses.
Marketplaces connecting buyers and sellers, service aggregators, P2P platforms. Due diligence on user KYC, fraud controls and payment model.
Online courses, training, coaching, info-products. Subscription or one-time payment, international sales, recurring billing. Due diligence on advertising claims, refund policy and chargeback ratios.
Food supplements, functional cosmetics, wellness products. Due diligence on labeling compliance, regulatory claims and sales markets.
Branded dropshipping, e-commerce with high chargeback ratios, aggressive international sales. Due diligence on payment flows, return ratios and consumer protection.
Regulated brokers, licensed copy-trading platforms, financial education with a clear regulatory framework. Rigorous due diligence on active licenses and advertising claims.
Adult platforms with robust age verification, content control and strict legal compliance. Specific case-by-case due diligence. Some sub-categories are out of scope (see next section).
This list isn't exhaustive. If your sector isn't listed and you think it fits, talk to an advisor to validate before starting KYB.
To be honest with you from the start, there are sectors we don't operate in. Better to tell you now than after a long process.
If your business falls into any of these sectors, we can't operate with you. We save you the time of the process.
Comparison based on known public conditions Q1 2026 and operational experience with high-risk sectors. Specific conditions depend on sector, jurisdiction and volume.
Some sectors may have specific conditions based on due diligence (minimum operating capital, guarantees for sectors with high chargeback ratios). Your advisor explains the conditions applicable to your case in the first conversation, before starting KYB.
Your company's funds are custodied by regulated Tier-1 entities, separated from Kunga's operations. Custody is in your company's name, segregated from other clients, auditable. Documentation available for your own regulatory reporting.
We operate under the European MiCA framework for crypto-assets and the anti-money-laundering directive. Active transaction monitoring, reporting to competent authorities per regulation, due diligence proportional to risk. This protects you, us and your end users.
Every operation with timestamp, blockchain hash (if applicable), source currency, target currency, applied FX rate, fee, counterparty and AML classification. Exportable in formats that meet your sector's reporting requirements (gaming, crypto, brokers).
We don't promise "any sector accepted". We don't promise "no KYB" or "no monitoring". We're not a lax offshore bank. We're a regulated platform that operates with complex sectors when they meet due diligence criteria. That's what protects you long-term.
For regulated companies (gaming, crypto, brokers), we can sign specific service agreements and provide additional documentation for your own regulators.
Before even starting KYB, you talk to an advisor in your sector. You explain your model, jurisdictions of operation, active licenses (if any), estimated volume. The advisor confirms whether Kunga can operate with you and under what conditions, before you waste time on documentation.
If pre-validation is positive, the advisor tells you the documentation specific to your sector: regulatory licenses, internal AML controls, your own KYC policy (if your business requires it), operating model and expected fund flows.
KYB onboarding with due diligence proportional to your sector's risk. More thorough than for a standard company, but guided at every step. Duration depends on the sector, jurisdiction and complexity of your structure.
Once KYB is approved, you operate with clear contractual conditions from day one. No surprises. Your advisor remains your point of contact for any issue, adjustment or growth.
The process for high-risk sectors is more rigorous than for standard companies — that's what protects the operation long-term, yours and ours. Specific conditions are agreed in writing before activating the account.
No. We guarantee due diligence proportional to the sector and a transparent answer. If your model meets applicable regulatory criteria and passes our due diligence, we operate. If not, we tell you clearly from the first conversation. We don't waste your time.
Traditional banks apply blanket sector exclusions: "we don't operate with gaming" or "we don't operate with crypto", regardless of whether your company meets all regulation. Kunga applies specific due diligence: if your model complies, we operate. The difference isn't laxity — it's that we have the infrastructure and regulatory experience to evaluate sector by sector.
We don't apply arbitrary reserves or preventive freezes without a concrete reason. If a specific transaction triggers an automatic AML alert (common on any regulated platform), your advisor contacts you to resolve it. Operating conditions are agreed by contract, not surprises.
It depends on the sector. Gaming: regulatory license, responsible gaming controls, internal AML. Crypto: applicable VASP / MiCA license, KYC policy, sanctions exposure. Marketplace: user KYC, fraud controls, payout model. Your advisor gives you the exact list during pre-validation.
Base pricing is the same as for standard companies: 1.45% if you use a Kunga wallet and 2.90% if you choose an external wallet, with no hidden spread. Some sectors may have additional specific conditions. Your advisor explains it before KYB.
We operate with companies incorporated in recognized jurisdictions, including some with regulation favorable to specific sectors (Malta, Curaçao, Estonia, etc.). We don't operate with jurisdictions on FATF grey or black lists without clear regulatory justification. Approval depends on the sector and operation, not just the jurisdiction.
Yes. We operate under a regulated framework and provide reporting that meets your sector's requirements. This eases your due diligence with your own regulators (gaming authority, markets regulator, etc.).
If your regulatory situation changes, you must inform us. We re-evaluate the operation under the new framework. If the new situation meets criteria, we keep operating. If not, we close the operation with clear contractual notice and return your funds per a regulated procedure.
It depends on the sector, jurisdiction, complexity of the corporate structure and documentation available. Pre-validation with an advisor is usually fast (the first call). Full KYB takes longer than for standard companies due to the specific sector due diligence. Your advisor gives you realistic expectations in the first conversation.
Availability subject to sector and jurisdiction. Some sectors (gaming, crypto) have specific restrictions by country. Pre-validation with an advisor confirms availability in your specific case before starting documentation. Also check at /cobertura.
Talk to an advisor specialized in your sector. The first conversation validates whether Kunga can operate with you, with no commitment or prior documentation.
Pre-validation with no commitment · Advisor specialized in your sector · Availability subject to jurisdiction and due diligence