Hello, we provide the products, which meet your needs described in the OP. However as Admin noticed correctly these topics need to be discussed in private. Feel free to shoot me a PM, so we could take it forward from there. Thanks.
That's a typical behaviour for EMIs, they can keep you in the KYC loop for a very long time. I know that most people would call traditional banks evil, but they at least have a physical office which you can visit and withdraw your money from =)