On-ramping USDC for merchant settlements - anyone dealing with the KYB nightmare for non-US entities?

We're a fintech operating out of Ireland, looking to integrate USDC settlements for some of our merchant partners, specifically for cross-border payments where $EURUSD FX is a pain. The idea is to allow merchants to accept payments in USDC, settle in USDC, and then us facilitate off-ramping to fiat as needed, or let them hold USDC.

The core issue we're hitting is the KYB process with various crypto payment processors and prime brokers for the initial on-ramping of our own operational float, and then the subsequent off-ramping for merchants. It feels like every provider has a slightly different, equally Byzantine, requirement set for non-US entities, especially regarding beneficial ownership and source of funds for the corporate itself. We've got a robust AML/CFT framework internally, but explaining that to an onboarding team that seems to just tick boxes on a static checklist is infuriating. Spreads and fees are a secondary concern right now; getting through the gate is the primary one. Are we missing something obvious, or is this just the current state of play for anyone not domiciled in the US trying to leverage stablecoins for a regulated business activity? Any particular hurdles specific to EU entities others have overcome?