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Carbn Connect facilitates payments for users across multiple jurisdictions with varying regulatory requirements. This guide outlines our geographic coverage, regional restrictions, and compliance considerations.

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Worldwide Availability

Carbn Connect facilitates payments through licensed partners in most countries globally, excluding jurisdictions subject to international sanctions or with restrictive regulations.

Primary Markets

Established CoverageUnited States, European Union, United Kingdom

Extended Coverage

Broad AccessAfrica, Latin America, SEA, Middle East

Compliance First

Regulatory StandardsKYC/AML requirements enforced globally
Exclusions:
  • OFAC sanctioned countries
  • High-risk jurisdictions per FATF guidelines
  • Regions with prohibitive crypto regulations

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Primary Markets

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United States 🇺🇸

Supported States

Available in: Most US statesState Exclusions:
  • New York: Currently not supported due to BitLicense requirements
  • Alaska: Regulatory restrictions apply
Business Considerations: For business users, we evaluate based on principal operating address:
Supported: Business incorporated in NY but operating primarily from California
Supported: California business banking with NY-based financial institution
Not Supported: Business with primary operations in New York
Not Supported: Business primarily operating from Alaska
Partner Compliance Requirements:
  • Licensed partners hold money transmission licenses in applicable states
  • Bank Secrecy Act (BSA) compliance through partners
  • FinCEN reporting requirements handled by partners
  • State-specific regulatory adherence by licensed partners
User Types Supported:
  • Individual consumers (18+ years)
  • Business entities (LLCs, Corporations, Partnerships)
  • Registered financial institutions
Enhanced Due Diligence:
  • Required for transactions above $10,000
  • Additional verification for high-risk states
  • Ongoing transaction monitoring
Individual Users:
  • Government-issued photo ID
  • Social Security Number verification
  • Proof of address (utility bill, bank statement)
Business Users:
  • Certificate of incorporation
  • EIN (Employer Identification Number)
  • Beneficial ownership information (25%+ ownership)
  • Operating agreement or bylaws
  • Proof of business address

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European Union 🇪🇺

Supported Countries

Available in: All EU member statesSpecial Requirements: Some countries require proof of address verification:
  • Croatia
  • Cyprus
  • Czech Republic
  • Estonia
  • Hungary
  • Latvia
  • Lithuania
  • Malta
  • Poland
  • Romania
  • Slovakia
  • Slovenia
Proof of address must be a recent utility bill, bank statement, or government document dated within the last 3 months.
EU Compliance Standards:
  • Markets in Crypto-Assets (MiCA) regulation
  • General Data Protection Regulation (GDPR)
  • Payment Services Directive 2 (PSD2)
  • Anti-Money Laundering Directive (AMLD5)
Open Banking Integration:
  • PSD2 compliant connections
  • Strong Customer Authentication (SCA)
  • SEPA instant payment support
  • CMA9 equivalent standards
Data Protection:
  • GDPR compliant data processing
  • Right to data portability
  • Right to be forgotten
  • Explicit consent requirements
Individual Users:
  • EU national ID or passport
  • Proof of address (required for specific countries)
  • Tax identification number where applicable
Business Users:
  • Certificate of incorporation
  • VAT registration number
  • Beneficial ownership disclosure
  • Articles of association
  • Proof of business address
  • Authorized signatory documentation

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United Kingdom 🇬🇧

Coverage Details

Available in: England, Scotland, Wales, Northern IrelandPartner Regulatory Status:
  • Licensed partners are Financial Conduct Authority (FCA) regulated
  • Open Banking CMA9 compliance through partners
  • Faster Payments Scheme integration via partners
Post-Brexit Considerations:
  • Independent regulatory framework
  • Enhanced compliance requirements
  • Separate from EU operations
UK Compliance Standards:
  • Financial Services and Markets Act
  • Money Laundering, Terrorist Financing and Transfer of Funds Regulations
  • Open Banking Implementation Entity (OBIE) standards
  • Strong Customer Authentication requirements
Partner FCA Authorization:
  • Licensed partners hold Electronic Money Institution (EMI) permissions
  • Payment Institution (PI) authorization held by partners
  • Consumer credit activities where applicable through partners
Individual Users:
  • UK driving license or passport
  • Proof of UK address
  • National Insurance number
Business Users:
  • Companies House registration
  • VAT registration (if applicable)
  • Beneficial ownership register
  • Memorandum and Articles of Association
  • Proof of business address
  • Director identification

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Coverage Map

Europe & North America

European Countries

🇮🇪

Ireland
EURLive

🇫🇷

France
EURLive

🇪🇸

Spain
EURLive

🇩🇪

Germany
EURLive

🇳🇱

Netherlands
EURLive

🇧🇪

Belgium
EURLive

🇫🇮

Finland
EURLive

🇩🇰

Denmark
EURLive

🇸🇪

Sweden
EURLive

🇵🇹

Portugal
EURLive

🇦🇹

Austria
EURLive

🇮🇹

Italy
EURLive

🇱🇺

Luxembourg
EURLive

🇪🇪

Estonia
EURLive

🇱🇹

Lithuania
EURLive

🇱🇻

Latvia
EURLive
North America

🇺🇸

United States
USDLive

🇨🇦

Canada
CADComing Soon
West Africa

🇬🇭

Ghana
GHSLive

🇳🇬

Nigeria
NGNLive

🌍

CFA Franc Zone
XOFLive
Central Africa

🌍

CFA Franc Zone
XAFLive
East Africa

🇰🇪

Kenya
KESLive

🇹🇿

Tanzania
TZSLive

🇺🇬

Uganda
UGXLive

🇷🇼

Rwanda
RWFLive
Southern Africa

🇿🇦

South Africa
ZARLive

🇿🇲

Zambia
ZMWLive

🇧🇼

Botswana
BWPLive

🇲🇼

Malawi
MWKLive
Southeast Asia & Asia-Pacific

🇵🇭

Philippines
PHPLive

🇹🇭

Thailand
THBLive

🇻🇳

Vietnam
VNDLive

🇭🇰

Hong Kong
HKDLive

🇸🇬

Singapore
SGDLive

🇮🇩

Indonesia
IDRLive
Latin America

🇦🇷

Argentina
ARSLive

🇧🇷

Brazil
BRLLive

🇲🇽

Mexico
MXNLive
Expansion in Progress: Additional countries across all regions coming soon through new licensed partnerships.
Carbn provides technology orchestration services. All financial services are delivered through regulated partners in their respective jurisdictions. Carbn itself does not hold financial licenses and does not operate in the flow of funds.

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What’s Next?

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