Interestingly I've not had to do any of that but I expect given the age of my account it was grandfathered in and isn't subject to the same rules that newer accounts have, I did notice they unverified my LLC though re obtaining cards but I guess that may just be different regulations they need to follow now, or requirements from partner banks as they've changed 3 or 4 times since I opened my account (very early on, one of the first).

Other than slow support I've not really had any issues though, when I do contact them they usually get it right - ie I asked them to add card transactions to web hooks as for some inexplicable reason it wasn't done, they added it within a few days and that was around a year ago.

Also they're not based in Estonia, they just have a presence to satisfy license requirements, they're still based in the UK (they also have a Belgian presence for some of their licenses too etc)