This is Hackernews, 'having a go at' things is what we are here for. There are also BaaS companies set up to help you do exactly this kind of thing - Marqeta being an example.
Whilst it's true that they generally use the SSN as a primary identifier, they don't require it or a US address and instead can use passport numbers and international addresses as identifiers.
Also, ask any of your friends legally in the US who aren't citizens or permanent residents and I guarantee you they will all have an SSN.