Businesses and individuals that pass our onboarding checks. Typical clients include cross-border businesses, marketplaces, affiliate and creator platforms, and individuals who send or receive money internationally. Access is subject to eligibility, jurisdiction, and compliance review.

What types of customers do you support?

Both legal entities (companies, partnerships) and natural persons. Some higher-risk sectors are supported case-by-case with enhanced due diligence; others are not supported. See our restricted jurisdictions and industries page.

What can I use Nudl for?

Mass payouts to affiliates, partners and suppliers; cross-border settlement; multi-currency collection; transparent FX; and cross-border local-currency delivery.

No. Nudl is not a bank or neobank and does not hold a Swiss banking licence. Nudl is a regulated financial intermediary that provides payment orchestration and AML/compliance services over regulated partner institutions.

Yes. Nudl operates through Quixo AG, a member of the VQF Self-Regulatory Organisation (No. 101241), under the Swiss Anti-Money Laundering Act.

What do I need to open an account?

Start with a 2-minute application, no documents required. If we can support you, onboarding requires KYC/KYB: identity documents, proof of address, company documents and beneficial-ownership details, and source-of-funds information.

How long does onboarding take?

We confirm whether we can support your business within one business day. Full activation follows once verification is complete.

Do you work with high-risk industries?

Some, with enhanced due diligence and case-by-case review. Certain industries and jurisdictions are not supported for regulatory or sanctions reasons. See our restricted use page.

Which currencies and rails do you support?

Send and receive EUR, GBP, USD and CHF through one platform. Pay out internationally in local currency over rails including SEPA, SEPA Instant, Faster Payments, and SWIFT.

How fast are payments?

It depends on the rail. Instant schemes (SEPA Instant, Faster Payments) settle in seconds to minutes; other rails follow standard scheme cut-off times.

Are there fees and limits?

Fees follow the schedule agreed at onboarding, with transparent FX and no hidden spread. Transaction limits are set per account based on your risk profile and activity.

Where are client funds held?

Client funds are held with regulated third-party financial institutions in accounts separate from Nudl's own assets. Funds are accepted for settlement only, are not invested or lent, and are not covered by Swiss deposit insurance.

How do you keep my data secure?

Data is encrypted and hosted in Switzerland. All accounts are subject to KYC/KYB verification before activation, and enhanced due diligence is applied where risk classification requires it.

Why do banks close crypto, iGaming and creator business accounts?

Usually not because the activity is illegal. These sectors score as higher-risk under anti-money-laundering rules and need enhanced due diligence that most banks are not set up to provide, so they decline the whole category instead of reviewing each business individually.

Does a high-risk classification mean my business is illegal?

No. High-risk is a compliance scoring category, not a judgement about legality. It means a provider must apply extra checks, such as source-of-funds review and sanctions screening, before and during the relationship.

What is source of funds and why do you ask for it?

Source of funds is evidence of where the money entering your account comes from, such as platform payout statements, client invoices or contracts. Providers are legally required to understand it, and unclear source of funds is the most common reason applications stall.

What is enhanced due diligence?

Enhanced due diligence is the additional verification applied to higher-risk business relationships: a closer review of source of funds, confirmation of beneficial ownership, and sanctions and politically-exposed-person screening before onboarding completes.

How is my identity verified during onboarding?

Identity is verified to Swiss standards under FINMA Circular 2016/7, by live video session or online identification. Online identification uses an ID document scan plus either a small transfer from an account in your own name or a biometric passport-chip scan, with address confirmed by a utility bill or geolocation check.

Does Nudl issue payment cards?

No. Nudl does not currently offer physical or virtual cards. Nudl provides multi-currency payment accounts, transparent FX, and cross-border payouts over bank rails.

Does Nudl support cash deposits or ATM services?

No. Nudl is fully digital and does not handle cash, cash top-ups, or ATM withdrawals. Money enters and leaves accounts only by bank transfer over regulated rails such as SEPA, SEPA Instant, Faster Payments, and SWIFT.

How a US LLC can open a EUR account and receive euros

A US LLC with European clients hits the same wall fast: US banks rarely offer a real euro balance, and most EU banks will not open an account for a company with no local presence. The invoices are in euros; the account to receive them does not exist yet.

Here is why that gap exists, and the routes that actually work.

Why US banks and EU banks both say no

Two different refusals stack up. US banks are built around dollars, so a genuine EUR balance with its own IBAN is outside what most offer, sometimes not even over SWIFT. EU banks can hold euros, but the EU right to a basic account does not extend to non-residents, so a company with no local office, director or address is usually declined.

The result: a US LLC that is legal, paying and stuck, because neither side is set up for it.

The route that works

What works is a regulated payment provider that issues a EUR account with an IBAN and moves money over European rails, without requiring you to be resident. You receive and hold euros over SEPA and SEPA Instant, and pay out or convert when you choose.

The trade is clear: instead of a hometown bank branch you get an account built for cross-border businesses, with the compliance review that comes with it.

What you will need

A provider like this runs KYB (know-your-business) before opening the account. Have ready:

Company documents for the US LLC (formation and ownership)
Beneficial ownership: who ultimately owns and controls it
What the business does and who pays it
Source of funds: client invoices, contracts, or platform statements
ID and proof of address for the owners

The clearer this is, the faster the yes. Unclear source of funds is the single most common reason these applications stall.

A realistic note on Delaware and approval odds

Be realistic about the review. Some US structures, Delaware among them, are treated as higher-risk in compliance scoring, so expect a closer look rather than an instant yes. A good provider reviews case by case and tells you quickly. No honest provider guarantees approval, and you should be wary of any that does.

How this works at Nudl

Nudl is operated by Quixo AG, a Swiss financial intermediary affiliated with the SRO VQF (member No. 101241) under the Swiss Anti-Money Laundering Act, verifiable in the VQF public register. Nudl is not a bank; client funds are held with regulated partner institutions, separate from Nudl's own assets.

A US LLC can hold and receive EUR, GBP, USD and CHF in one account, with payouts over SEPA, SEPA Instant, Faster Payments and SWIFT. US structures are reviewed case by case with enhanced due diligence, and acceptance is never guaranteed. The application takes about two minutes, needs no documents up front, and gets an answer within one business day.