银行 KYC 问题回答模板
申请 Lili、Relay、Mercury 等美国在线银行时，会有一串关于你业务的问答。目的是了解商业模式、资金来源和合规风险。下面列常见问题和参考回答，按自己真实情况改。原则：如实、简短、低风险。
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.
要点：
- 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.
要点：
- 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.
要点：
- 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.
要点：
- 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.
要点：
- 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.
要点：
- 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.
要点：
- 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。