Some major banks do allow you to open an account without an SSN whenever you have a valid proof of address just like Pana. The difference is that they require you to visit the branch in person, we don't.
Had. Aeldra is winding down operations. They sent out a notice a while ago. Check your email.
Aeldra is winding down its operations due to a decision driven by external factors. This action is not specific to your account and applies to all Aeldra accounts.