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Prohibited Activities Policy

Last Updated – 16 October, 2026

Endl is committed to upholding the highest standards of compliance, safety, and integrity across our financial ecosystem. This Endl Prohibitions List outlines the categories of business activities, spending behaviors, and geographic locations that are either limited or prohibited when using Endl's services. The Endl Prohibitions List applies to all partners, platforms, and end users (e.g., cardholders) who interact with Endl's products and systems.

How This Policy Applies

Which restrictions apply to you depends on the Services you use and the provider that supports each Service. Sections I and II apply to Endl cards. The Restricted and Prohibited Countries section applies to accounts, wallets and payments. If you use more than one Service, each restriction applies to the Service it concerns. We may change any list or restriction in this policy at any time, at our discretion, including to reflect changes made by our banking, wallet, card and other upstream providers. A change takes effect when we post it or notify you.

General Prohibitions (All Services)

You must not use Endl's products and services, and partners must not permit end users to use them, for:

  • money laundering, terrorist financing or proliferation financing;
  • evasion of sanctions, or dealings with any person, entity or jurisdiction that is subject to sanctions;
  • fraud, scams or deceptive practices, including pyramid or Ponzi schemes;
  • illicit marketplaces, ransomware-related activity, hacking or cybercrime services;
  • the sale or distribution of illegal goods or services, or of content that exploits children;
  • activity by or for a shell entity, or by any person who has not passed our customer due diligence, sanctions, politically exposed person and adverse media checks;
  • any activity that we reasonably consider suspicious, or that we are required to report under applicable law; and
  • any other activity that is unlawful or that our agreements, policies or third-party providers prohibit.

Restricted and Prohibited Countries (Accounts, Wallets and Payments)

These lists apply to accounts, wallets and payments only. The separate lists for Endl cards are in Sections I.A and II.A.

Our providers each set their own country rules, so a country listed below may be prohibited or restricted for one Service and not for another. Whether a restriction applies to you depends on the Service you want to use and the provider that supports it. If a Service is not available to you because of your country, you may still be able to use another Service that is available in your country. Countries and territories that are subject to comprehensive sanctions are prohibited for every Service.

Prohibited countries. For the Services concerned, we do not onboard, or provide accounts, wallets or payment Services to, any individual or entity (including its beneficial owners) that resides, is registered or operates in, or is otherwise connected with the following countries and territories, and we do not send payments to or receive payments from them:

  • Afghanistan
  • Belarus
  • Burundi
  • Central African Republic
  • Côte d'Ivoire
  • Cuba
  • Democratic Republic of the Congo
  • Gaza Strip
  • Haiti
  • Iran
  • Iraq
  • Kosovo
  • Lebanon
  • Libya
  • Mali
  • Myanmar
  • Nicaragua
  • North Korea
  • Russia
  • Somalia
  • South Sudan
  • Sudan
  • Syria
  • Ukraine (including Crimea, Sevastopol, Donetsk, Kherson, Luhansk and Zaporizhzhia)
  • Venezuela
  • West Bank
  • Yemen

Restricted countries. For the Services concerned, we do not provide accounts, wallets or payment Services connected with the following countries and territories unless we have approved the customer in writing in advance. We may refuse or withdraw an approval at any time, and some Services may not be available in these countries at all, depending on our providers:

  • Algeria
  • China (Mainland)
  • Guinea-Bissau
  • Japan
  • Kazakhstan
  • Kyrgyzstan
  • Puerto Rico
  • Tajikistan
  • Tunisia
  • Turkmenistan
  • Uzbekistan
  • Zimbabwe

I. Cardholder Prohibitions (Endl Cards)

A. Endl cards cannot be issued to cardholders residing or registered in the following countries:

  • Belarus
  • China (Mainland)
  • Cuba
  • India
  • Iran
  • Iraq
  • Israel
  • Myanmar
  • Nepal
  • Nicaragua
  • North Korea
  • Russia
  • Syria
  • Turkey
  • Ukraine
  • Venezuela
  • Vietnam

Endl does not support onboarding or card use in jurisdictions that present heightened legal, regulatory, or sanctions risks. Cardholders in countries listed on international watchlists (e.g., FATF Grey List) require case-by-case review and explicit approval from Endl's Compliance leadership.

B. Endl cards cannot be issued to entities engaged in the following types of businesses under any circumstances:

  1. Businesses involved in illegal or highly regulated activities, including but not limited to:

    • Distribution of illegal substances or controlled drugs without proper licensing
    • Human trafficking, prostitution, or escort services
    • Sale of counterfeit or unauthorized goods
    • Pyramid schemes, Ponzi schemes, or other deceptive practices
    • Production or distribution of illegal digital content (e.g., child exploitation)

  2. Political campaign fundraising or donation platforms

C. Endl cards may be issued to entities with the following business models, subject to enhanced review and approval requirements such as evidence of licensing, regulatory compliance, and strong internal controls:

  1. Money Service Businesses (MSBs) and remittance services
  2. Cryptocurrency platforms and exchanges
  3. Charities and non-governmental organizations (NGOs)
  4. Precious metals dealers
  5. Online content or creator platforms (e.g., subscription-based streaming or tipping)
  6. Regulated gambling or fantasy sports operations

II. Spending Prohibitions (Endl Cards)

A. Endl cards cannot be used for spending in the following countries:

  • Cuba
  • Iran
  • North Korea
  • Russia
  • Syria
  • Ukraine
  • Venezuela

Card usage is prohibited in each of the countries listed above, regardless of whether the cardholder is an entity or an individual.

B. Endl cards cannot be used for any of the following types of purchases:

  • Purchase or trade of digital currencies
  • Drug-related purchases, including marijuana, cannabis, CBD, and black-market items
  • Payments on dark web marketplaces or for hacking/cybercrime services
  • Internet pharmacies that are unlicensed or operate outside regulated jurisdictions
  • Firearms, ammunition, or explosives (Corporate)
  • Hazardous materials and chemicals without proper regulatory clearance
  • Escort services or similar platforms
  • Unlicensed or illegal auction sites
  • Unregulated lending or payday loan services
  • Data brokerage services, especially involving unauthorized personal data
  • Purchase or trade of endangered species or wildlife products