Report, 12 November 2026 · Edition 2026-11

Only 92 of 540 provider-country-account paths issue dedicated US receiving account details across 30 export corridors

We audited the published eligibility rules and 12 months of Wayback Machine captures across Wise, Mercury, Airwallex, Payoneer, Grey, and Skydo for 30 countries and 3 account types. A local business incorporated in one of those 30 countries has a documented path to dedicated US routing and account numbers in only 16 of 180 provider-country pairs^[1][6].

Holding a Wise balance does not mean you can open a local business USD receiving account in 24 of 30 countries

General comparison posts treat Wise as a universal USD receiving account wherever Wise operates. Wise's own help center splits eligibility across two separate gates: article 2813542 governs where residents can hold a balance^[2], and article 2810318 governs which addresses are barred from USD account details^[1]. Ten of our 30 corridor countries (Nepal, Indonesia, Vietnam, Egypt, Lebanon, Morocco, Kenya, Ghana, Armenia, and Mexico) do not appear in Wise's balance-holding country list at all, blocking both personal and local business USD details.

Even where Wise supports local users, currency-specific and account-type rules narrow coverage further. In Brazil, residents can only hold BRL^[2]. In Malaysia, only personal accounts can hold money, barring Malaysian local businesses^[2]. In Thailand, Wise paused issuing currencies and account details to new customers in April 2026 (`existing_only`)^[2]. Conversely, in India, personal accounts lost standard balance holding and are restricted to the Wise Travel Card^[4], while Indian businesses gained local USD account details up to EUR 25,000 per invoice with e-FIRC issuance^[3].

Incorporating a US LLC no longer guarantees USD account details when the founder lives in a restricted country

Forming a Delaware or Wyoming LLC has long been the standard workaround for agencies and software studios in emerging markets. Between February 2026 and November 2026, both Mercury and Wise tightened owner-residency rules for US companies:

Mercury's Prohibited countries article (28771710754580) bars onboarding when a founder or beneficial owner resides in a listed jurisdiction^[5]. Between February 7, 2026 and September 3, 2026, Mercury expanded its prohibited list to add Bangladesh, Indonesia, Nepal, and Vietnam alongside earlier exclusions such as the Philippines, Pakistan, Nigeria, Cameroon, Lebanon, Ukraine, and Venezuela (11 of 30 corridor countries blocked; 19 eligible).

Between September 30, 2026 and November 2, 2026, Wise added a new section titled "Restrictions for Wise Business accounts" to article 2810318^[1]. That rule blocks USD account details on Wise Business even for a US-incorporated entity when the owner's personal profile address is in Bangladesh, Cameroon, China, Nigeria, Pakistan, or Ukraine (plus Venezuela under comprehensive sanctions, leaving 24 of 30 corridor countries eligible via a US entity). Airwallex is stricter still: its US company onboarding guide (article 4419267227417) requires that no beneficial owner reside outside Airwallex's Eligible Countries table (only 9 of our 30 countries qualify) and rejects registered-agent addresses and US neobank statements as proof of US operations^[7].

Seventeen cell statuses changed across Wayback Machine captures between November 2025 and November 2026

Diffing archived snapshots of provider help articles over the past 12 months surfaces 17 status transitions across the 540-cell grid. Fifteen of those 17 transitions restricted or paused access; only two expanded access (Wise opening local business balances in the Philippines by January 2026, and Wise restoring personal USD account details in China in November 2026 while moving China into the Wise Business restriction list)^[1][2].

Thirty-country eligibility summary across all six providers

The table below summarizes current eligibility as of 12 November 2026 across all 30 corridor countries. The Wise column shows personal / local_business / us_company_resident_owner in order; Mercury shows us_company_resident_owner; Airwallex, Skydo, and Payoneer show local_business (Airwallex us_company_resident_owner matches its local_business column, and Payoneer personal is also unknown across all 30 countries); Grey shows personal^[10][12].

Interactive 540-cell eligibility explorer

Filter the complete 540-cell dataset by country, provider, account type, or status, or copy the currently visible rows as CSV. Every row links directly to the primary provider source and its Wayback Machine archive snapshot.

Showing 540 of 540 cells (92 yes, 2 existing_only, 146 no, 60 unknown, 240 n/a).

No cells match the selected filters. Choose "Reset filters" to restore all 540 rows.

Method

Data

Sources

1. Wise Help 2810318: Can I get USD account details?. Captured 2026-11-12 (SHA-256 2b45773eedf8). https://wise.com/help/articles/2810318/can-i-get-usd-account-details
2. Wise Help 2813542: Where do I need to live to hold money with Wise?. Captured 2026-11-12 (SHA-256 b3b396b68d91). https://wise.com/help/articles/2813542/where-do-i-need-to-live-to-hold-money-with-wise
3. Wise Help 71lNXW0Ls3gEFhUH8PtodV: Receiving payments for Indian businesses. Captured 2026-11-12 (SHA-256 3275da7c3381). https://wise.com/help/articles/71lNXW0Ls3gEFhUH8PtodV/receiving-payments-for-indian-businesses
4. Wise Help 1Kthw8UbEl3E5k7jYtdUOx: Wise Travel Card in India. Captured 2026-11-12 (SHA-256 9e1ddb9e9ac8). https://wise.com/help/articles/1Kthw8UbEl3E5k7jYtdUOx/wise-travel-card-in-india
5. Mercury Support 28771710754580: Prohibited countries (Zendesk API and Wayback archive). Captured 2026-11-12 (SHA-256 9aaa292765db). https://support.mercury.com/api/v2/help_center/en-us/articles/28771710754580.json
6. Airwallex Help 4408591334937: Eligible Countries and Territories. Captured 2026-11-12 (SHA-256 00c22b7f8e21). https://help.airwallex.com/hc/en-gb/articles/4408591334937-Eligible-Countries-and-Territories
7. Airwallex Help 4419267227417: Documents required for companies in the US. Captured 2026-11-12 (SHA-256 2accc18f8aa9). https://help.airwallex.com/hc/en-gb/articles/4419267227417-Documents-required-for-companies-in-the-US
8. Airwallex Docs: Supported regions and currencies for Global Accounts. Captured 2026-11-12 (SHA-256 a9e14003c37b). https://www.airwallex.com/docs/accounts/supported-regions-and-currencies.md
9. Payoneer: Local receiving accounts overview. Captured 2026-11-12 (SHA-256 c64bfc8b70d0). https://www.payoneer.com/local-receiving-accounts/
10. Grey Support 9680610: Why can't I request a US account?. Captured 2026-11-12 (SHA-256 f255f7c88b59). https://support.grey.co/en/articles/9680610-why-can-t-i-request-a-us-account
11. Grey Support 6383103: Grey's non-supported countries. Captured 2026-11-12 (SHA-256 392ef927aecb). https://support.grey.co/en/articles/6383103-grey-s-non-supported-countries
12. Skydo Terms of Use (RBI PA-CB authorization for Indian exporters). Captured 2026-11-12 (SHA-256 002b0da97796). https://www.skydo.com/terms-of-use
13. Skydo FAQs: Receiving international business payments in India. Captured 2026-11-12 (SHA-256 22012b4c2f35). https://www.skydo.com/faqs

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