Global Solo 发布了《US Banking Access Index for Non-Resident Founders (2026)》1。该报告基于提供商官方公开资料，对 Mercury、Relay、Wise Business、Payoneer、Brex、Chase 等 19 家美国商业银行及金融科技公司是否接受非美国居民创始人开户进行了独立核验 1。研究覆盖 8 个国家/地区，最终形成包含 239 条经验证声明的 JSON 与 CSV 数据矩阵 1。报告详细列出各提供商在居住国限制、身份文件（SSN/ITIN）、地址要求、FDIC 保险覆盖、远程开户及交易限额等方面的公开政策差异与矛盾之处，并按季度复核更新 1。该索引以 CC-BY 4.0 协议发布，DOI 为 10.5281/zenodo.21336393 1。
截至 2026 年 7 月 15 日核验，Mercury 的禁止居住国名单涵盖 48 个国家及 4 个受制裁地区，包括印尼、菲律宾、越南、孟加拉国、尼泊尔、委内瑞拉、安哥拉以及阿尔巴尼亚、克罗地亚和拉脱维亚 1；Relay 的禁止国名单截至 2026 年 7 月 15 日核验涵盖 31 个国家，含委内瑞拉、柬埔寨、埃塞俄比亚、海地、黎巴嫩、尼加拉瓜、乌克兰、波黑等 1。在 FDIC 保险覆盖上，Rho 宣称通过 400 多家银行的 sweep 网络提供最高 7,500 万美元的 FDIC 保险，Brex 的 FDIC 保险最高可达 600 万美元（通过 vault funds sweep），而 Column N.A. 的 checking 账户覆盖上限为 250,000 美元 1。Relay 的 Basic (Tier D) 账户将每日 incoming ACH 上限设为 2,000 美元，outgoing 为 400,000 美元/日、国内电汇 200,000 美元/日 1。此外，NorthOne 截至 2026 年 7 月 26 日所有 northone.com 路径均 301 重定向至 relayfi.com，不再作为独立产品运营 1。Revolut Business 于 2026 年 8 月 14 日新增至索引（S196），采用封闭式居住国允许名单 1。Lili 的资格取决于 14 国公民身份名单，截至 2026 年 7 月 8 日核验 1。Wise Business 的 FDIC 相关细节源自 2024 年 11 月 26 日的博客文章 1。Mercury 的 OCC 银行牌照有条件批准日期为 2026 年 4 月，其 FDIC 条目反映的是 Choice/Column 结构（截至 2026 年 7 月 8 日）1。
Global Solo has published the "US Banking Access Index for Non-Resident Founders (2026)," an independent verification of account opening policies for non-US resident founders across 19 American commercial banks and fintech companies 1. Based on official public information from providers such as Mercury, Relay, Wise Business, Payoneer, Brex, and Chase, the report covers eight countries and regions to form a matrix of 239 verified statements available in JSON and CSV formats 1. The index details public policy differences and contradictions regarding residence country restrictions, identity document requirements like SSN or ITIN, address rules, FDIC insurance coverage, remote account opening, and transaction limits, with updates conducted on a quarterly basis 1. The dataset is released under the CC-BY 4.0 license with the DOI 10.5281/zenodo.21336393 1.
The report highlights significant variations in provider policies, such as Mercury's prohibited residence country list, which covers 48 countries and four sanctioned regions, including Indonesia, the Philippines, Vietnam, Bangladesh, Nepal, Venezuela, Angola, Albania, Croatia, and Latvia, as verified on July 15, 2026 1. Meanwhile, Relay restricts accounts from 31 countries, including Venezuela, Cambodia, Ethiopia, Haiti, Lebanon, Nicaragua, Ukraine, and Bosnia and Herzegovina, as verified on July 15, 2026, and caps daily incoming ACH transfers at $2,000 for its Basic (Tier D) accounts, while allowing up to $400,000 for outgoing transfers and $200,000 for domestic wires 1. Regarding FDIC insurance, Brex offers coverage up to $6 million through a vault funds sweep, whereas Column N.A. limits checking coverage to $250,000, and Rho claims to provide up to $75 million via a sweep network of over 400 banks 1. The index also tracks structural and operational changes, noting that all northone.com paths were 301 redirected to relayfi.com by July 26, 2026, with NorthOne ceasing independent operations, while Revolut Business was added to the index as S196 on August 14, 2026, utilizing a closed residence country allowlist 1. Additionally, Mercury's OCC bank charter received conditional approval in April 2026, and its FDIC entry reflects a Choice/Column structure as of July 8, 2026 1. Lili's eligibility is determined by a 14-country citizenship list verified on July 8, 2026, and Wise Business's FDIC details are sourced from a November 26, 2024 blog post 1.
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