公司&银行注册
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专属频道
第三步：企业银行账户进度
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第三步：企业银行账户申请
材料齐了之后，申请美国企业银行账户。下面以 Lili 为主线。
千万不要一上来就申请 Mercury。我被 doola 指引坑过：花时间填完提交，大约 5 秒就被拒。后来问 AI 才知道 Mercury 审核很严，往往要有实际收入才能过——这就变成先有鸡还是先有蛋：Stripe 注册又必须绑美国银行账户。后来找到 Lili，审核相对友好，一次就过了。
填写个人信息
按左侧 Personal Details 一路填完姓名、手机、身份信息和家庭地址。
- 姓名与护照一致
- 手机可选中国
+86；后续登录短信可能收不到，可用邮箱收验证码 - 选 Non US Resident，国家选 China；填护照号和身份证号
- Home address 填之前准备好的、中国银行账单 / 水电单可验证的地址（英文格式），别填注册代理地址
填写公司信息
进入 Business Details：业务类型选 Limited Liability Company (LLC)，公司法定名称、EIN、注册州与 doola 文件完全一致。
- Legal business name、EIN number 与 Articles / EIN Notice 一字不差
- Registered state 填注册州（如 Wyoming 选 WY）
- Business address 用 doola / Registered Agent 地址；运营地址用中国可验证地址
- Website 填能打开的公司官网
行业 / NAICS 怎么选：
- 卖软件 / SaaS / 数字产品：行业可选 Software / IT Services，NAICS 如
541511（Custom Computer Programming Services） - Shopify 独立站卖实体（例如瑜伽裤）：按电商零售填，行业选 Online Retail / E-commerce / Apparel 一类；NAICS 常用
454110（Electronic Shopping and Mail-Order Houses，网上零售）。别硬填 Software
行业描述要和官网、业务描述一致：卖瑜伽裤就写服装电商，别写成软件公司——银行和后面 Stripe 都会交叉核对。
回答 KYC 业务问题
银行会问卖什么、卖给谁、为什么在美国做生意、资金来源等。下面是常见问题与参考回答，按自己真实情况改。原则：如实、简短、低风险。
敏感词可对照「风险词避坑表」。
1. 公司业务和产品
示例问题：
What does your business do? What products or services do you offer?
建议回答：
We develop web-based software tools for small e-commerce sellers and digital creators. Our product helps users generate print-ready files and listing assets for online marketplaces. We offer subscription-based software services and do not engage in high-risk industries.
- 说是软件/工具，写清楚目标客户（Etsy sellers、digital creators）
- 别写 crypto、gambling、forex、adult 等词
- 明确不涉及受监管行业
2. 客户群体及市场
示例问题：
To whom do you sell? What locations does your business serve?
建议回答：
Our customers are Etsy sellers, online creators and small business owners. We serve customers worldwide, primarily in the United States, Canada, the United Kingdom, Australia and Europe.
- 写客户类型，不写个人姓名
- 主要市场用 primarily/mainly，别说 only，也别太模糊（如 “Anyone on the Internet”）
3. 营销和获客方式
示例问题：
How do you market your product? How do customers find you?
建议回答：
We use our website, search engines, social media, online communities and content marketing to reach potential customers. Many customers discover us through our product demonstrations and educational blog posts.
- 常见线上渠道即可
- 别写 cold email 群发、mass scraping 之类
4. 资金来源与预计流水
示例问题：
What is the expected number of monthly transactions and monthly volume? What is your initial source of funds?
建议回答：
As a newly formed software company, we expect fewer than 50 monthly transactions and less than $10,000 in monthly volume. The initial funds will come from the owner’s personal savings and a transfer from a personal bank account to support the business.
- 初创选较低区间（Under 50 / Under $10,000），和实际预期匹配
- 资金来源写 Owner’s contributions 或 Personal savings
- 香港等个人银行账户注资，如实写账户所在国
- 别虚报 $1M+ volume
5. 国际交易活动
示例问题：
Do you anticipate processing international transactions?
建议回答：
Yes. We expect to receive payments from international customers for our software subscriptions and may occasionally transfer funds to suppliers abroad. Our business serves customers worldwide.
- 跨境 SaaS 说 Yes 很正常
- 说 No 后面却收到海外款，容易触发风控
- 付海外供应商，说明用途（software services、freelance design 等）
6. 业务运营地点
示例问题：
Where do you operate your business? Do you have physical offices or employees outside the US?
建议回答：
Our company is registered in the US, and our development and operations are primarily managed remotely from Shenzhen, China. We do not have a physical office in the US. We collaborate with contractors and team members globally.
- 运营地写真实中国城市，说明远程模式
- 美国没办公室，别用注册代理地址当运营地址
- 有外包写 contractors/freelancers
- 别假装在美国有实体办公室
7. 合规与行业限制
示例问题：
Do you offer services in regulated industries? Are you involved in crypto, gaming, gambling, or adult entertainment?
建议回答：
No. We do not provide any services related to cryptocurrency, gaming, gambling, adult entertainment, or any other regulated industries. We focus solely on software tools for digital creators and small businesses.
- 不涉及就直接 No，简短清楚
- 确实涉及某类行业，按银行要求额外说明（常规 KYC 里最好别碰）
8. 提交文件
银行 KYC 常见上传：
- Articles of Organization 或 Certificate of Formation
- Operating Agreement（签字版）
- EIN Confirmation Letter（CP575 或 147C）
- 护照或第二身份证件
- 近三个月银行账单或水电单（姓名 + 住址，中国地址可附英文翻译）
- 公司网站链接（能打开，有隐私政策和服务条款）
9. 回答技巧
- 四处一致：回答、网站、注册文件、实际运营对得上
- 避开敏感词：不涉及受监管行业就直说 No
- 1–3 句够：不必写长文
- 别造假：夸大客户或流水，拒户或关户风险更大
- 补件积极回复：银行追问时尽快配合
银行 KYC 问题回答模板
银行 KYC 问题回答模板
原则：按自己真实情况改。如实、简短、低风险。
1. 公司业务和产品
Q: What does your business do? What products or services do you offer?
A: We develop web-based software tools for small e-commerce sellers and digital creators. Our product helps users generate print-ready files and listing assets for online marketplaces. We offer subscription-based software services and do not engage in high-risk industries.
要点：软件/工具 + 目标客户；别写 crypto、gambling、forex、adult；明确不涉及受监管行业。
2. 客户群体及市场
Q: To whom do you sell? What locations does your business serve?
A: Our customers are Etsy sellers, online creators and small business owners. We serve customers worldwide, primarily in the United States, Canada, the United Kingdom, Australia and Europe.
要点：写客户类型；用 primarily/mainly，别说 only，也别太模糊。
3. 营销和获客方式
Q: How do you market your product? How do customers find you?
A: We use our website, search engines, social media, online communities and content marketing to reach potential customers. Many customers discover us through our product demonstrations and educational blog posts.
要点：常见线上渠道；别写 cold email 群发、mass scraping。
4. 资金来源与预计流水
Q: What is the expected number of monthly transactions and monthly volume? What is your initial source of funds?
A: As a newly formed software company, we expect fewer than 50 monthly transactions and less than $10,000 in monthly volume. The initial funds will come from the owner’s personal savings and a transfer from a personal bank account to support the business.
要点：初创选较低区间；资金来源写 Personal savings；别虚报流水。
5. 国际交易活动
Q: Do you anticipate processing international transactions?
A: Yes. We expect to receive payments from international customers for our software subscriptions and may occasionally transfer funds to suppliers abroad. Our business serves customers worldwide.
要点：跨境业务说 Yes；说 No 却收海外款易触发风控。
6. 业务运营地点
Q: Where do you operate your business? Do you have physical offices or employees outside the US?
A: Our company is registered in the US, and our development and operations are primarily managed remotely from Shenzhen, China. We do not have a physical office in the US. We collaborate with contractors and team members globally.
要点：写真实中国城市 + 远程；别用注册代理当地址；别假装美国办公室。
7. 合规与行业限制
Q: Do you offer services in regulated industries? Are you involved in crypto, gaming, gambling, or adult entertainment?
A: No. We do not provide any services related to cryptocurrency, gaming, gambling, adult entertainment, or any other regulated industries. We focus solely on software tools for digital creators and small businesses.
要点：不涉及就直接 No。
8. 常见上传文件
Articles / Operating Agreement / EIN Letter / 护照 / 地址证明 / 公司网站
9. 回答技巧
四处一致；避开敏感词；1–3 句够；别造假；补件积极回复。
上传文件并提交
- Articles of Organization
- EIN Notice / EIN Letter（按银行要求）
- 护照
- 地址证明
- Operating Agreement（如要求）
提交后留意邮件补件；通过后拿到 routing number 和 account number，后面绑 Stripe 要用。
开户通过后
企业银行账户就绪后，可以并行推进 Stripe 收款账户。
Shopify 独立站不需要单独申请 Stripe。优先用 Shopify Payments。Stripe 主要面向卖软件订阅等服务的公司。