i dont believe they are a scam anymore but they provide poor customer service asking annoying questions of what you already mention when a normal bank would just check see a failed transaction and tell you why these guys make the chat last for around 5 hours it turns out easier to google it and see what there community has said recently. They will also close accounts in a heart beat then welcome to poor support i havent had my account closed but i know from dealing with support︀ it wouldn't be a fun experience having even $500 locked in there.