Hello @Ravikumar! Regret the inconvenience. As per our system’s latest information, we see that you’ve completed OTP-Based e-KYC & KYC year is 2021 due to which we couldn’t help you with the onboarding for Niyo SBM. For Niyo SBM, the KYC type should be Normal. Alternatively, you may try NiyoX offers a 0 forex markup for international transactions. Read more about the Difference between NiyoX and Niyo SBM - #2 by Deepak -WB