The person behind the content
Jonny Djo has spent the better part of a decade inside the verification industry — not as an observer, but as someone who has personally navigated the KYC processes of dozens of US banks, crypto exchanges, and government platforms. He knows exactly where the friction is, why documents get rejected, and what actually works when institutions push back.
His background sits at an unusual crossroads: deep practical knowledge of how US utility infrastructure works, combined with a clear understanding of what compliance teams at banks and exchanges are actually looking for. That combination makes him one of the few people who can explain proof-of-address requirements in plain English — without oversimplifying the parts that actually matter.
He has helped hundreds of expats, LLC owners, new immigrants, and crypto investors work through verification challenges that most people assume are unsolvable. His writing on this site reflects that experience directly — no recycled information, no generic advice. Everything he publishes comes from situations he has personally dealt with.
What Jonny writes about
KYC verification
The specific document requirements of US banks and crypto exchanges — what they actually check, what gets flagged, and how to pass first time.
Proof of address
Why utility bills are the gold standard for proof of address, which providers carry the most weight, and how the process differs by state.
US banking for non-residents
Opening US bank accounts as an expat, visa holder, or foreign national — the real requirements and the most common points of failure.
LLC address verification
What banks actually need from LLC owners beyond the registration documents — and why a registered agent address alone is almost never enough.
Crypto exchange compliance
How Coinbase, Kraken, Binance US and others handle document verification — and what distinguishes a clean submission from a flagged one.
Expat & immigrant setup
The practical steps for building a financial footprint in the US from scratch — for people who just arrived and have nothing in their name yet.
Recent posts by Jonny
Have a question for Jonny?
If you're dealing with a verification problem that isn't covered in the articles, reach out directly. Real answers, not automated responses.
Get in Touch →