A red banner with a closure date, money still inside. What the “Customer Agreement” closure means, how the appeal works, and the week-one moves that help.
The closure email cites “trading in cryptocurrency.” Nothing you did was illegal — the account is still gone. Why crypto trips the wire, and where to bank next.
The email looks routine. It isn’t. Wise is checking for registered-agent and virtual addresses. What passes, what fails, and the order to do it in.
Balance visible, available amount zero, support only repeats “routine check.” The exact complaint ladder that gets a chartered bank to respond.
More than 60% of your cash behind one institution’s risk algorithm is a freeze multiplier. Five redundancy rules that make it architecture.