The way our system works, the legal address of the end-user determines which bank the bank account is within -- this is largely due to regulatory requirements within the various banking systems.

There is one mechanism by which this could potentially be done from my understanding, but it will take us a few years to fully explore and integrate into that kind of model.

Another model we explored (but again, do not implement) is that instead of holding end-user funds in FDIC-insured bank accounts (in the US -- bank accounts in other countries are not FDIC insured) is treating the funds as a security backed against deposits, which is significantly different, but could make non-US users able to open US-based accounts, but they would not at that point be bank accounts.