KYCnot.me has a lot of resources. As for bill pay, depends on country you're in... I just had a similar scare this morning with Wise asking me for some proof of something. I've not had much issue since I have a normie job which let's me file normie taxes which gets Wise the documents they say they need. Not sure what I'll do when I become financially independent and they randomly ask for some document I won't have and get my bank shut down... Still possible to buy prepaid $500 Visa cards. Bitrefill Coincards.com Check this out for a more complete list of resources https://expatriotic.me/expatriotics-master-list/