Stupid question: No. When it comes to making and keeping money, it's stupid if you don't ask.
But it is pretty basic.
If you mean to simply open a stealth account, you can do without. If you need to verify and lift your first PP limit, you need something more.
You don't need a VCC specifically. You do need a credit card or a check card that works like a credit card or you need a working vcc.
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