Eligibility Policy

Client Eligibility Policy

We work with a broad range of businesses across the UK and internationally. This policy sets out who we can onboard, who requires enhanced review, and who is not accepted.

ARIDANG OÜ · Last updated: June 2026 · Effective date: June 2026

Overview

⚖️ Important — how ARIDANG works: ARIDANG OÜ acts exclusively as an introducer. We do not provide payment services, hold client funds, or carry out regulated activities. All payment accounts are opened and maintained by Gemba Finance Limited, authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (FRN: 804853). Eligibility decisions are made by Gemba Finance Ltd in accordance with their own regulatory obligations.

This page outlines the general eligibility criteria applied by Gemba Finance Ltd for businesses introduced through ARIDANG. All applications are reviewed individually by Gemba Finance Ltd's compliance team.

ARIDANG's role is to guide you through the application process and submit your details to Gemba Finance Ltd. We cannot guarantee approval — final decisions rest solely with Gemba Finance Ltd.

✅ Generally accepted clients

The following business types are typically accepted subject to standard KYB/KYC due diligence by Gemba Finance Ltd:

✅ Accepted

  • IT services & software companies
  • E-commerce & online retail
  • Import / export businesses
  • Logistics & freight
  • Consultancy services
  • Manufacturing companies
  • Marketing & advertising agencies
  • Holding companies
  • Professional services (law, accounting)
  • SaaS platforms
  • Travel & hospitality
  • Healthcare (non-controlled substances)

❌ Not accepted

  • Arms & defence trade
  • Adult entertainment
  • Cryptocurrency mining / exchanges
  • Gambling & betting operators
  • Multi-level marketing (MLM)
  • Cannabis businesses
  • Unlicensed money services
  • Human trafficking / illegal activity
  • Sanctioned jurisdictions
  • Shell companies with no real activity

This list is not exhaustive. Final eligibility is determined by Gemba Finance Ltd during the application review.

⚠️ Enhanced due diligence required

Some business types are accepted but require additional documentation and a longer review period by Gemba Finance Ltd. These include:

💰
Financial services & fintech
Payment intermediaries, crowdfunding platforms, and licensed financial brokers require regulatory licence documentation and AML policy submission.
🌍
High-risk jurisdictions
Companies with ownership, operations, or significant transaction volumes in FATF grey-list countries require enhanced source-of-funds documentation.
💎
High-value goods dealers
Jewellers, art dealers, and luxury goods traders are subject to extended review under applicable AML regulations.
🏥
Regulated healthcare & pharma
Distributors of controlled or prescription medicines require valid national operating licences and supply chain documentation.
👤
PEP-connected businesses
Companies where a beneficial owner is a Politically Exposed Person (PEP) or close associate are subject to senior management approval and enhanced monitoring.

EDD review typically adds 5–10 business days to the standard onboarding timeline.

🚫 Prohibited activities

Gemba Finance Ltd will not open or maintain accounts for businesses engaged in any of the following, regardless of jurisdiction or licensing status:

❌ Permanently prohibited

  • Arms, weapons, and military equipment trade
  • Adult entertainment and sexual services
  • Unlicensed cryptocurrency exchanges or custodians
  • Online gambling without a valid licence
  • Multi-level marketing and pyramid schemes
  • Cannabis, narcotics, and controlled substances
  • Unlicensed money transmission or remittance
  • Human trafficking and people smuggling
  • Counterfeit goods and IP infringement
  • Business activity in sanctioned countries (OFAC/EU/UN lists)
  • Shell companies or structures with no genuine business purpose

Providing false or misleading information during onboarding is grounds for immediate account termination and may be reported to relevant authorities.

📋 Onboarding process

ARIDANG guides you through the application. All KYB/KYC verification and account decisions are carried out by Gemba Finance Ltd.

1
Online Application
Submit your business details via our secure online portal. ARIDANG supports you through every step. This typically takes 15–20 minutes.
2
KYB / KYC Verification
Gemba Finance Ltd verifies your company registration, UBOs, directors, and business activity. Standard review: 1–3 business days; EDD cases: 5–10 days.
3
Account Activation
Upon approval by Gemba Finance Ltd you receive your UK IBAN, access to the portal, and can begin transacting immediately.

Ready to apply?

If your business meets the criteria above, open your account online. For questions about eligibility before applying, contact us at info@aridang.eu

Open Account →