Open business account · KYB guided by a dedicated advisor

Start opening your business account with a real advisor

No blind forms, no waiting for a sales rep to get back to you. A first conversation with a dedicated advisor where we check whether Kunga fits your operations, what documentation we need and under what conditions we can work with you.

Talk to an advisor See the step-by-step process

KYB with a dedicated advisor · No opening fee · No commitment in the first conversation

Your opening process No cost · No commitment

1 Conversation with an advisor You start here
2 You prepare the documentation
3 Guided KYB
4 Contract signing
5 Account live

What's worth knowing before you talk to an advisor

Opening a business account is NOT self-service

A Kunga business account is opened through a KYB guided by an advisor, not by filling in a web form. This is deliberate: for companies, the process requires corporate documentation, validation of beneficial owners and due diligence proportional to the sector. A dedicated advisor guides you throughout the process, answers questions at every step and explains real conditions before you sign anything.

The first conversation comes with no commitment

The initial call is to get to know each other: you tell us about your business model, the markets where you operate, estimated volume and sector. The advisor confirms whether we can work with you, what documentation you'll need to provide and what conditions would apply to your case. If after that conversation you decide not to move forward, there's no commitment and no cost.

KYB timing depends on your case

KYB timing depends on several factors: the complexity of your corporate structure, the jurisdiction of incorporation, the sector (some require specific due diligence), available documentation and how fast you respond to the advisor's requests. For companies with a standard structure and complete documentation, the process is faster. For complex structures or sectors with specific due diligence, it takes longer. Your advisor gives you realistic expectations in the first conversation.

We don't work with just any company or sector

Kunga works with diverse sectors, including some that traditional banking rejects (Web3, regulated gaming, marketplace, import-export, international e-commerce). But final approval depends on the KYB. If your model meets applicable regulatory criteria and passes our due diligence, we work with you. If not, we tell you clearly from the first conversation without making you waste time on documentation.

See sectors we don't work with

The complete process, in detail

So you know exactly what happens between the moment you ask to talk to an advisor and the moment your account is live.

Fase 1 · 1/5

First conversation with an advisor

You request the call from the CTA on this page or any other on the site. Within 1-2 business days a sales advisor contacts you to schedule the first conversation (video call or phone call, as you prefer).

Typical duration: 30-45 minutes.
Your business model, sector and markets of operation
Your current collection and payment operations
Estimated monthly volume and projection
Corporate structure (operating company, holdings, beneficial owners)
Whether Kunga can work with you and under what conditions
What documentation will be needed for the KYB

You know whether Kunga is viable for your company, what conditions would apply and what documentation to prepare. If you decide to continue, you move to phase 2.

Fase 2 · 2/5

Documentation preparation

The advisor sends you a personalized checklist with the specific documentation we need for your case. The checklist varies by sector, jurisdiction and corporate complexity, but typically includes:

Corporate documentation (deed of incorporation, current bylaws, updated registry certification)
Identification of beneficial owners (above 25 %)
Identification of directors
Declaration of economic activity and markets of operation
Source-of-funds documentation for initial deposits (if applicable by amount)
For specific sectors: applicable regulatory licenses, internal AML controls, your own KYC policy if your business requires it

What you do: you gather the documentation. The advisor is available to resolve questions throughout this process.

Fase 3 · 3/5

Guided KYB

Once you have the documentation ready, you start the formal KYB with your advisor. It's not a blind web form: it's a verification process with human review, where the advisor validates each document, asks for clarification when something isn't clear and completes due diligence proportional to your sector and volume.

What happens internally: documentation verification, validation of beneficial owners, screening against international sanctions lists (OFAC, EU, UN, FATF), source-of-funds assessment and sector due diligence where applicable.

What you see: regular communication from the advisor about the status of the process. If there are additional requests, they reach you directly with an explanation of why they're being asked.

Fase 4 · 4/5

Approval and contract signing

Once the KYB is completed and approved, you receive the operating contracts to sign electronically:

General terms and conditions of service
Sector-specific annex if applicable (high risk, regulated, others)
Master OTC agreement if your volume justifies it
Privacy and data processing policy
User and permission setup for your team

What you sign: everything electronically with qualified signature. No travel, no notary for standard operations.

Fase 5 · 5/5

Activation and technical onboarding

Your business account goes live. You get access to the platform with your multi-currency banking details (European IBAN, US ACH routing, Mexican CLABE, support for BRL and GBP) and a corporate USDC wallet.

Setting up your team's users (founder, CFO, ops, finance) with role-based permissions
Configuring gateway settlement (Stripe, Adyen, etc.) if applicable
A first test operation if you want to validate before real operations
Resolving any operational questions in the first month

Your account is live. The advisor remains your point of contact for incidents, growth or operational adjustments.

Phases 1 and 5 are time-bounded. The duration of phases 2, 3 and 4 depends mainly on how fast complete documentation is provided and on the complexity of the KYB. Your advisor gives you a specific estimate for your case in the first conversation.

Indicative documentation by company type

This is an indicative checklist. The advisor will give you the exact list personalized for your case. Final documentation depends on jurisdiction, sector and corporate complexity.

About the company

Deed of incorporation or equivalent in the applicable jurisdiction
Current corporate bylaws
Updated registry certification (less than 3 months old)
Document evidencing the tax domicile
Declaration of main economic activity

About directors and beneficial owners

ID or passport of each director
ID or passport of each beneficial owner (>25 % ownership)
Capital structure if there are holdings or cross-shareholdings

About operations

Description of the business model
Markets where you operate (clients, suppliers)
Estimated volume of monthly collections and payments
Main source of funds

Sector documentation

All the «standard company» documentation, plus:

Current applicable regulatory licenses (VASP, MGA, FCA, BaFin, CNMV or others by sector and jurisdiction)
Internal AML/CTF policy
Internal KYC policy if your business verifies its end users (marketplace, exchange, broker)
Internal fraud controls for sectors with chargeback risk (high-volume e-commerce)
Memorandum of the business operating model

Additional corporate documentation

All the «standard company» documentation, plus:

Full corporate structure diagram (including all relevant subsidiaries and parents)
Documentation of each operating entity in the group
Identification of ultimate beneficial owners through the entire chain
Declaration of relevant tax jurisdictions
Intercompany service agreements where applicable

Any additional or specific documentation your case may require is indicated by the advisor in phase 2 of the process. The list above covers the typical requirements but is not exhaustive.

Who can open a business account with Kunga

We work with companies incorporated in supported jurisdictions, with identifiable beneficial owners and legitimate economic activity. Final approval depends on the KYB.

Open an account without specific friction

International companies with standard multi-currency operations (services, products, B2B, commerce)
Startups and scaleups with global clients
International e-commerce (standard)
Agencies and consultancies with international clients
SaaS and digital B2B/B2C platforms
Import/export companies with standard operating documentation

KYB with specific due diligence

Doesn't mean rejection, it means more documentation

Companies in specific regulated sectors (Web3, licensed gaming, licensed brokers, marketplaces with user KYC, e-commerce with high-risk elements)
Companies with a complex corporate structure
Companies with very high volume that justifies OTC conditions from the start
Companies in jurisdictions with specific regulation

Check your jurisdiction in coverage

Companies we don't work with

Companies without documentable legitimate economic activity
Sectors Kunga doesn't work with (openly listed)
Companies or beneficial owners on international sanctions lists (OFAC, EU, UN, FATF)
Companies in internationally sanctioned jurisdictions
Companies with a corporate structure designed to hide beneficial owners

See sectors we don't work with

If you're unsure whether your case fits, the first conversation with an advisor is exactly for validating it. No commitment.

What you get once your account is live

Multi-currency banking details from day one

European IBAN, US ACH routing, Mexican CLABE, BRL (Pix) and GBP (Faster Payments) support. Share the local detail with each client or supplier by market.

Corporate USDC wallet with Tier-1 custody

Wallet to receive and send USDC on Ethereum, Polygon, Solana or Tron. Regulated Tier-1 custody with corporate segregation.

Multi-user access with role-based permissions

Set up users for founders, CFO, ops manager, finance team and external advisors. Role-based permissions: read only, operate, approve large transfers, administration.

Native reporting and CSV export

Every operation recorded with all relevant data. CSV export compatible with most accounting software and ERPs (Holded, Quaderno, Xero, FreshBooks, others).

Dedicated advisor after activation

Your KYB advisor remains your point of contact. For incidents, operational adjustments, growth, specific conditions or escalation to OTC when volume justifies it.

No opening fee or monthly maintenance

The business account is free to open and maintain. Costs are only per operation (receiving, sending, conversion), visible before confirming each operation.

See per-operation fees

Frequently asked questions about the opening process

Is there a cost to open an account or for the KYB?

No. Opening a Kunga business account is free. The advisor-guided KYB is also included. There's no onboarding fee, no cost for the first conversation, and no charge if you ultimately decide not to proceed after the first call. Costs apply only per operation once the account is live, and are always visible before confirming.

How long does the full process take from the first call to a live account?

It depends on your case. Phases 1 and 5 are fast (days). Phases 2, 3 and 4 depend on how fast you provide complete documentation, the complexity of your corporate structure, the sector and the applicable due diligence. For companies with a standard structure and complete documentation ready, the process is faster. For complex structures or sectors with specific due diligence, it takes longer. Your advisor gives you a realistic estimate in the first conversation.

Can I cancel the process if I later decide not to open an account?

Yes, at any time. If after the first conversation, during the documentation phase or even during the KYB you decide not to continue, there's no commitment and no cost. Your documentation is handled according to the data-processing policy the advisor provides in the first conversation.

Can my business account application be rejected?

Yes. After the KYB due diligence, Kunga reserves the right not to open an account if the company doesn't meet applicable regulatory criteria or if the sector due diligence isn't favorable. In those cases, we communicate the decision in writing with the justification regulation allows us to provide. The prior validation with the advisor in the first conversation aims to detect incompatibilities before investing time in documentation, but it doesn't guarantee final KYB approval.

Do I need to travel physically for any step of the process?

No, for the standard process. All documentation is provided digitally, conversations with the advisor are by video or phone call, and contracts are signed with qualified electronic signature. For very specific cases (very complex corporate structures, sectors requiring an in-person meeting for regulatory reasons), in-person meetings may be considered, but this is exceptional, not standard.

Who can request the opening: a director, an authorized employee, an external advisor?

The initial request (first call) can be made by anyone connected to the company: founder, director, CFO, external advisor. For the formal KYB and contract signing, the people with legal representation of the company must take part (sole or joint directors, per the bylaws). If whoever starts the process doesn't have legal representation, they must coordinate with someone who does before phase 4.

Is Kunga available for companies in my jurisdiction?

Availability is subject to the company's country of incorporation and the residence of beneficial owners. Check the coverage page before the first conversation with an advisor, or the advisor confirms it on the first call.

When you're ready, let's talk

The first conversation with an advisor is where we check whether Kunga can work with you, what documentation you need to prepare and under what conditions. No commitment, no cost, no pressure.

Guided KYB · No opening or KYB fee · The first conversation comes with no commitment