European Economic Area (EEA)
Regulated by the Bank of Portugal, the Portuguese Securities Market Commission (CMVM), and the European Central Bank under the Single Supervisory Mechanism (SSM).
- Operational accounts for fiat and crypto
- Virtual IBANs
- Fiat-to-crypto and crypto-to-fiat exchange support
- Cross-border payment services
- Businesses operating in Asia and Europe, e.g: Trading company
- Company requires both fiat and crypto account rails
- Institutions in digital asset trading, brokerage, or payments
- Cross-border Payments, supports wire transactions (USD, EUR), with virtual IBANs for inbound payments and fund segregation
- Supported Crypto Currency : Crypto Wire-In (USDT, USDC), Crypto Wire-Out (USDT, USDC)
- Individual Account
- Institutional Account – Accepts clients from Hong Kong, the United Kingdom, Singapore, the United States, the British Virgin Islands, the Cayman Islands, Malaysia, Japan, Germany, etc.
Regulated by the Financial Conduct Authority (FCA) & the Prudential Regulation Authority (PRA).
- Agency Banking (Banking-as-a-Service)
- IBAN Infrastructure
- Operational Banking Account
- Multicurrency Account with Virtual Account Solution
- Corporate clients seeking an operational account in the UK.
- Licensed Financial Institutions (e.g., EMIs, APIs, PIs) conduct business in the UK.
- Licensed investment brokers conduct business and wish to safeguard client funds in the UK.
- Crypto businesses with established reputations and robust compliance.
- Multi-Currency Capabilities: Support 11 currencies, including: GBP, EUR, USD, CAD, CHF, PLN, NOK, DKK, SEK, CZK, and HUF.
- Real-Time FX Execution: Access to 66 currency pairs, API-based FX trades with optional margin support.
- Access to UK Scheme: Connect to Faster Payments, CHAPS, and BACS via ISO20022-compliant API.
- Virtual IBANs: Issue unique IBANs per customer or business unit for seamless reconciliation.
- Embedded Banking: Offer FSCS-protected accounts to your customers under your platform (up to £85,000 per end client)
- All GBP balances are held at the Bank of England.
- Operating Account – Holds the client’s own company funds for operational use.
- Client Money Account – Segregated accounts for holding client funds (e.g., under CASS 7).
- Customer Segregated Account – For holding end-customer balances alongside the FI’s operational account.
- Multi-Currency Account – Single account supporting balances in multiple currencies under one IBAN.
- Virtual Accounts – Sub-accounts under a physical account with unique IBANs.
Regulated by the Financial Conduct Authority (FCA) in the UK, the French ACPR (EMI), and by FINMA in Switzerland for trading operations.
- Business accounts
- Global multi-currency infrastructure
- OTC & FX desk
- Institutional banking services
- Crypto companies operating under regulatory frameworks
- Licensed digital asset platforms and OTC desks
- Institutions with demand of multi-jurisdictional fiat rails for settlement, client flows, or treasury
- Clients requiring both payment account , OTC and FX trading services in one system
1. Multi-Currency Capabilities: Accounts in over 20 currencies, including GBP, EUR, USD, CHF, AUD, CAD, HKD, SGD, CZK, HUF, PLN, AED, ZAR, etc.
2. Local Payment Rails:
- USD via Fedwire (Omnibus Structure)
- EUR via SEPA & Instant SEPA
- GBP via FPS & CHAPS
- CHF via SIC
- AUD via BECS & NPP
3. API & Portal Access: Each client gets a dedicated IBAN with full API and GUI control
4. Instant Network: BLINC – 24/7/365 free internal transfers between BCB clients across all supported currencies
5. Trading Access:
- OTC Crypto (USDT, USDC, BTC, ETH)
- Spot FX (66 pairs supported)
- Execution via API, GUI, or RFQ with spreads as low as 0.01%
- Access to full-feature API
- Personalised support via Slack/WhatsApp/Telegram (8AM–8PM UK Time)
Regulated by the Financial Conduct Authority (FCA) in the UK.
- Virtual IBAN issuance
- Multi-currency collection and payout accounts
- Payment rail integration
- Correspondent account infrastructure for licensed financial institutions and remittance businesses
- Licensed Payment Institutions (PIs), EMIs, and MSBs
- Remittance companies targeting Europe, Asia-Pacific, Middle East, and Africa
- Neobanks, crypto platforms, and FX providers seeking operational banking infrastructure
- Financial institutions needing virtual IBANs for customer reconciliation
1. Virtual IBANs:
- Issued in the name of end clients or business
- Ideal for reconciliation and customer-level fund segregation
- Real-time creation via API
- Free issuance for EU clients; €15–€20 per account for non-EU/high-risk
2. Currency Support: Over 20 currencies are supported including EUR, GBP, USD, CHF, JPY, AED, ZAR, PLN, SEK, HUF, etc.
3. Local payment rails:
- UK: FPS, CHAPS, BACS
- US: ACH, Fedwire
- EU: SEPA, SEPA Instant
- Global: SWIFT
4. Remittance & Cross-Border Capability:
- Collection and payout in UK/EU via domestic schemes
- Cross-border withdrawals to destination countries via SWIFT
- Reverse flow supported for outside-EU collection with EU/UK payout
- Ideal for remittance companies targeting corridors in MEA & APAC
5. System Integration:
- Access via online portal and REST API
- TMS-ready via ISO 20022 messaging
- Real-time notifications on incoming transactions
- Access via online portal and REST API
- TMS-ready via ISO 20022 messaging
- Real-time notifications on incoming transactions
- Collection Account – For inbound transactions from clients and counterparties
- Virtual IBAN Sub-Accounts – Customer-level sub-ledgers for reconciliation
- Operational Corporate Accounts – For payroll, rent, and general OPEX needs
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