yes, thank you! so there are two things, onboarding (KYC) and fiat on/off ramps (wire transfers). Ramp Network is using TrueLayer, which is a open banking APIs and PSD2 licence provider. TrueLayer has integrated with some major banks from the UK and intending to integrate more banks from the EEA later. Your users will have to have at least one bank account in one of the banks supported, otherwise they won't be able to use the service. PSD2 requires user's explicit consent for certain actions, like verification and triggering of wire transfers. Actually there is a demo account on TrueLayer with a Postman collection of a set of HTTP requests to play around for free (about 30 APIs). In Germany we have currently four PSD2 licence providers, who covering most of the local banks.