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Location matters because we are a regulated business and we have to get approval in each jurisdiction (in the case of the US, each State).
To clarify on KYC - despite the lack of credit check with a financial institution, customers of Bold do need to go through KYC in order to get the credit card, that is just how credit card transactions are required to work. It would of course be ideal not to have to KYC, but it's a necessary tradeoff. You do get fraud protection and chargebacks as a benefit from that.
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