No SSN Finance ITIN Credit

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7d •

What are you most interested in right now?

Vote below so we can make the community more useful and focus future posts, guides, and discussions around what people actually need. Choose the option that best matches your main goal right now: After you vote, comment with a little context about where you are starting from and what you are trying to accomplish.

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US Finance Guide

7d •

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Welcome and Start Here

I’m US Finance Guide, the admin here. I created this community because there are a lot of people trying to access the US financial system without an SSN, but the information is scattered, confusing, and often incomplete. Some people are trying to open their first US bank account. Some are trying to build personal credit from zero. Some want high-limit credit cards or personal loans. Others are non-US founders trying to handle LLC banking, payment processing, business credit, or 0% business funding. This community is here to bring those conversations into one place. We’ll be sharing practical information, real experiences, approval data points, and step-by-step guidance around US banking, credit, ITIN guidance, personal loans, LLC banking, business credit, and funding. 1. If you’re here, drop a quick intro: Create a new post, so you can earn points and future access to courses... And introduce yourself and write... Where are you based, and what are you working on right now , banking, personal credit, business credit, funding, or something else? 2. Check out the classroom and the getting started course 3 Post in the community, share your data points, what worked, what didn't , struggles. Write your posts so they can help the whole community. Glad to have you here.

US Finance Guide

14h •

General discussion

EO for USA banking for non residents

Here is some more info on the EO about banking for non usa residents with ITIN number. Looks like increased scrutiny and diligence for ITIN holders but also on several other fronts, LLC, payroll etc. Banking and credit is about to get more difficult for foreign company owners and investors in America Hopefully it doesn't affect people and businesses doing lawful activities. https://www.mayerbrown.com/en/insights/publications/2026/06/fincen-and-banking-agencies-issue-joint-advisory-on-non-work-authorized-populations-and-itin-based-account-due-diligence

US Finance Guide

14h •

General discussion

Illinois Just Declared War on Bitcoin

Illinois just sent a loud message to Bitcoin companies: Leave. Starting January 1, 2027, Illinois will impose a 0.20% tax on digital asset activity handled by brokers for Illinois customers. That means: Buy bitcoin through a broker?Taxed. Transfer bitcoin through a broker?Taxed. Hold bitcoin with a custodian?Taxed. And here’s the crazy part: This is not a capital gains tax. You don’t need to make a profit.You don’t need to sell at a gain.You don’t even need to “cash out.” The tax is based on the value of the digital asset involved in the activity. So if $1,000,000 worth of bitcoin moves through a covered digital asset service, the tax could be $2,000. Now compare that to traditional finance: Move $1,000,000 through a bank wire?No comparable state transaction tax. Move $1,000,000 through ACH?No comparable state transaction tax. Move $1,000,000 in stocks or bonds?No comparable tax like this. But move bitcoin? Illinois wants a cut. This is why people in Bitcoin constantly say: Self-custody matters. Jurisdiction matters. Policy matters. Because once governments realize they can tax the rails, they don’t just tax profit. They tax movement.They tax custody.They tax access. This law is not just about Illinois. It is a preview of how states may try to control digital assets without banning them outright. They make compliance expensive.They make operating painful.They make companies leave.And regular users end up paying the bill. Bitcoin was built for a world where money can move without permission. Illinois just reminded everyone why that matters. Thoughts — is this just the beginning?