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Which are not signs of a "traditional SaaS business model", yes, it is a service but you are leaving out the context of your service: cryptocurrencies. Which is enough to probably trigger some alarms inside Stripe, I've worked in fintech before and it's much better for the company to be risk-averse and blocking first, asking later than the opposite.
Given this context you should get in touch with Stripe and somehow explain how your business model isn't a risk to Stripe, unfortunately you are working in a domain with a lot of scams, and other fraudulent activities. You might not be doing it but Stripe has no way to know that, and won't be investing man-hours of cost trying to investigate your whole company to see if you aren't being sneaky and defrauding people with a seemingly legitimate business.
Edit: In fintech I worked on fraud detection, analysis, reporting and tooling for fraud agents to run their investigations, another red flag that a fraud agent would encounter when investigating your company is that the company is registered in Estonia, my best guess would be through the e-Residency scheme that allows for online business registering.
Neither of the co-founders (you included) seems to be from Estonia, or residents in Estonia. If I were a fraud agent looking at this case I'd flag it for further review based on all of these factors: company working in an industry primed with scams and frauds, using the e-Residency scheme from Estonia, while neither founders appears to be citizens or residents of Estonia. At the company I worked for (pretty big fintech in the EU) this would be put under a "manual review" and immediately block further transactions until the fraud review was done.
Not to get into that debate, but your bank account is just numbers too.