There are a few countries struggling to deal with the illegal alien problem. This site is not going into who constitutes as an illegal alien, but the term is a non-citizen in the host country illegally. So, if there is an illegal alien, how will they get to buy things? They need a bank account, but if they are in Kaldus illegally, then they can’t get a bank account. How does an illegal alien receive money to make a living in the nation? How do they pay their rent, or get groceries? Most illegal aliens will prefer cash as cash don’t care who spends it. If there is no cash, then it makes things so much more difficult.
Everyone with an NIN will qualify for a bank account with KNB. Even if that person is a foreign resident. If they are legally allowed to live in Kaldus, then they will have an NIN. They will also have a GIN so they can open accounts with a GAON. For those moving to Kaldus will likely have started these processes already before arriving. Therefore, the system does not care if you aren’t a citizen, it just adversely affects you if you are in the country illegally.