We thoroughly follow the law and our banking partner's restrictions.
Currently, you can sign-up for an account if you're a citizen of the European Union, United Kingdom, Switzerland, Iceland, Liechtenstein, or Norway. Also, you can transfer money from and to these jurisdictions only.
The full list of allowed jurisdictions:
Your residence is not determined by where you are at the moment, but by the documents you provide at the KYC check.
In the future, we'll have FDIC-insured accounts available to Americans, as well as accounts to users in even more jurisdictions.