It's not about VPN, if you wanted to use it to buy bitcoin with fiat it won't work if your bank account is attached to an address in the US.

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Lend doesn't use bank accounts.

I haven't used it, but doesn't it depend on what you're borrowing?

You can only borrow stablecoins. Anyone can get those kyc free.

Fiat to stablecoin and back KYC free?