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Payeer may have chosen not to operate in the USA in order to comply with local laws and regulations related to financial services. It's important to note that financial regulations can vary from country to country, and this can impact the availability of certain services in specific regions.
You dont need a bank account, you will receive fiat to your Payeer account instantly, you can withdraw funds to crypto, mass payments to Payeer accounts or bank cards VISA, MasterCard from all over the world.