> ## Documentation Index
> Fetch the complete documentation index at: https://docs.carbn.xyz/llms.txt
> Use this file to discover all available pages before exploring further.

# Geographic Coverage

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

### Worldwide Availability

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

<CardGroup cols={2}>
  <Card title="Primary Markets" icon="star">
    Established Coverage

    United States, European Union, United Kingdom
  </Card>

  <Card title="Extended Coverage" icon="globe">
    Broad Access

    Africa, Latin America, SEA, Middle East
  </Card>
</CardGroup>

<CardGroup cols={1}>
  <Card title="Compliance First" icon="shield-check">
    Regulatory Standards

    KYC/AML requirements enforced globally
  </Card>
</CardGroup>

<Note>
  **Exclusions**:

  * OFAC sanctioned countries
  * High-risk jurisdictions per FATF guidelines
  * Regions with prohibitive crypto regulations
</Note>

***

## Primary Markets

### United States 🇺🇸

<AccordionGroup>
  <Accordion title="Supported States" icon="map" defaultOpen>
    **Available in**: Most US states

    **State 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**:

    <Check>**Supported**: Business incorporated in NY but operating primarily from California</Check>
    <Check>**Supported**: California business banking with NY-based financial institution</Check>
    <Danger>**Not Supported**: Business with primary operations in New York</Danger>
    <Danger>**Not Supported**: Business primarily operating from Alaska</Danger>
  </Accordion>

  <Accordion title="Regulatory Framework" icon="gavel">
    **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
  </Accordion>

  <Accordion title="Documentation Requirements" icon="file-text">
    **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
  </Accordion>
</AccordionGroup>

### European Union 🇪🇺

<AccordionGroup>
  <Accordion title="Supported Countries" icon="map" defaultOpen>
    **Available in**: All EU member states

    **Special Requirements**:
    Some countries require **proof of address verification**:

    <Columns cols={3}>
      <div>
        * Croatia
        * Cyprus
        * Czech Republic
        * Estonia
      </div>

      <div>
        * Hungary
        * Latvia
        * Lithuania
        * Malta
      </div>

      <div>
        * Poland
        * Romania
        * Slovakia
        * Slovenia
      </div>
    </Columns>

    <Info>
      Proof of address must be a recent utility bill, bank statement, or government document dated within the last 3 months.
    </Info>
  </Accordion>

  <Accordion title="Regulatory Framework" icon="gavel">
    **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
  </Accordion>

  <Accordion title="Documentation Requirements" icon="file-text">
    **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
  </Accordion>
</AccordionGroup>

### United Kingdom 🇬🇧

<AccordionGroup>
  <Accordion title="Coverage Details" icon="map" defaultOpen>
    **Available in**: England, Scotland, Wales, Northern Ireland

    **Partner 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
  </Accordion>

  <Accordion title="Regulatory Framework" icon="gavel">
    **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
  </Accordion>

  <Accordion title="Documentation Requirements" icon="file-text">
    **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
  </Accordion>
</AccordionGroup>

***

## Coverage Map

<AccordionGroup>
  <Accordion title="Europe & North America" icon="map" defaultOpen>
    **European Countries**

    <Columns cols={4}>
      <Card title="🇮🇪">
        **Ireland**\
        EUR

        *Live*
      </Card>

      <Card title="🇫🇷">
        **France**\
        EUR

        *Live*
      </Card>

      <Card title="🇪🇸">
        **Spain**\
        EUR

        *Live*
      </Card>

      <Card title="🇩🇪">
        **Germany**\
        EUR

        *Live*
      </Card>
    </Columns>

    <Columns cols={4}>
      <Card title="🇳🇱">
        **Netherlands**\
        EUR

        *Live*
      </Card>

      <Card title="🇧🇪">
        **Belgium**\
        EUR

        *Live*
      </Card>

      <Card title="🇫🇮">
        **Finland**\
        EUR

        *Live*
      </Card>

      <Card title="🇩🇰">
        **Denmark**\
        EUR

        *Live*
      </Card>
    </Columns>

    <Columns cols={4}>
      <Card title="🇸🇪">
        **Sweden**\
        EUR

        *Live*
      </Card>

      <Card title="🇵🇹">
        **Portugal**\
        EUR

        *Live*
      </Card>

      <Card title="🇦🇹">
        **Austria**\
        EUR

        *Live*
      </Card>

      <Card title="🇮🇹">
        **Italy**\
        EUR

        *Live*
      </Card>
    </Columns>

    <Columns cols={4}>
      <Card title="🇱🇺">
        **Luxembourg**\
        EUR

        *Live*
      </Card>

      <Card title="🇪🇪">
        **Estonia**\
        EUR

        *Live*
      </Card>

      <Card title="🇱🇹">
        **Lithuania**\
        EUR

        *Live*
      </Card>

      <Card title="🇱🇻">
        **Latvia**\
        EUR

        *Live*
      </Card>
    </Columns>

    **North America**

    <Columns cols={2}>
      <Card title="🇺🇸">
        **United States**\
        USD

        *Live*
      </Card>

      <Card title="🇨🇦">
        **Canada**\
        CAD

        *Coming Soon*
      </Card>
    </Columns>
  </Accordion>

  <Accordion title="Africa" icon="globe">
    **West Africa**

    <Columns cols={3}>
      <Card title="🇬🇭">
        **Ghana**\
        GHS

        *Live*
      </Card>

      <Card title="🇳🇬">
        **Nigeria**\
        NGN

        *Live*
      </Card>

      <Card title="🌍">
        **CFA Franc Zone**\
        XOF

        *Live*
      </Card>
    </Columns>

    **Central Africa**

    <Columns cols={1}>
      <Card title="🌍">
        **CFA Franc Zone**\
        XAF

        *Live*
      </Card>
    </Columns>

    **East Africa**

    <Columns cols={4}>
      <Card title="🇰🇪">
        **Kenya**\
        KES

        *Live*
      </Card>

      <Card title="🇹🇿">
        **Tanzania**\
        TZS

        *Live*
      </Card>

      <Card title="🇺🇬">
        **Uganda**\
        UGX

        *Live*
      </Card>

      <Card title="🇷🇼">
        **Rwanda**\
        RWF

        *Live*
      </Card>
    </Columns>

    **Southern Africa**

    <Columns cols={4}>
      <Card title="🇿🇦">
        **South Africa**\
        ZAR

        *Live*
      </Card>

      <Card title="🇿🇲">
        **Zambia**\
        ZMW

        *Live*
      </Card>

      <Card title="🇧🇼">
        **Botswana**\
        BWP

        *Live*
      </Card>

      <Card title="🇲🇼">
        **Malawi**\
        MWK

        *Live*
      </Card>
    </Columns>
  </Accordion>

  <Accordion title="Asia-Pacific" icon="building">
    **Southeast Asia & Asia-Pacific**

    <Columns cols={3}>
      <Card title="🇵🇭">
        **Philippines**\
        PHP

        *Live*
      </Card>

      <Card title="🇹🇭">
        **Thailand**\
        THB

        *Live*
      </Card>

      <Card title="🇻🇳">
        **Vietnam**\
        VND

        *Live*
      </Card>
    </Columns>

    <Columns cols={3}>
      <Card title="🇭🇰">
        **Hong Kong**\
        HKD

        *Live*
      </Card>

      <Card title="🇸🇬">
        **Singapore**\
        SGD

        *Live*
      </Card>

      <Card title="🇮🇩">
        **Indonesia**\
        IDR

        *Live*
      </Card>
    </Columns>
  </Accordion>

  <Accordion title="Latin America" icon="banknote">
    **Latin America**

    <Columns cols={3}>
      <Card title="🇦🇷">
        **Argentina**\
        ARS

        *Live*
      </Card>

      <Card title="🇧🇷">
        **Brazil**\
        BRL

        *Live*
      </Card>

      <Card title="🇲🇽">
        **Mexico**\
        MXN

        *Live*
      </Card>
    </Columns>
  </Accordion>
</AccordionGroup>

<Info>
  **Expansion in Progress**: Additional countries across all regions coming soon through new licensed partnerships.
</Info>

<Note>
  **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.
</Note>

***

## What's Next?

<CardGroup cols={2}>
  <Card title="Supported Payment Methods" icon="coins" href="/documentation/network/supported-payment-methods" arrow="true">
    Explore supported payment methods, currencies, and assets by region
  </Card>

  <Card title="Get Setup with Carbn" icon="rocket" href="/documentation/getting-started/setup" arrow="true">
    Start the onboarding process for your region
  </Card>
</CardGroup>