Euro payment infrastructure for digital asset businesses
FinXP applies disciplined onboarding to digital asset businesses instead of rejecting the sector by default.
Regulated openness, not blanket acceptance
FinXP has the competence and process to assess complex digital asset businesses properly, rather than offering blanket promises it cannot back up. We have followed the MiCA regime rather than reacting to it, and we assess each model on its flow of funds, counterparties and controls.
That cuts both ways. Eligible businesses get Euro accounts and payment capability from a licensed European institution. Models that sit outside our risk appetite get a clear, early no rather than a slow maybe.
- Euro account and payment capability for eligible models
- Onboarding that considers flow of funds, counterparties and controls
- Support for businesses that need banking alternatives and payment infrastructure
- Clear boundaries where a model does not fit FinXP risk appetite
Compliance first, always
Digital asset businesses rarely fail on technology. They fail on fiat access. These are the friction points we remove for eligible models.
What FinXP provides for digital assets and Web3
Fiat-side infrastructure for eligible digital asset models, from operating accounts to on and off ramps.
Dedicated Euro IBAN accounts
Fiat operating accounts in your company's name, for eligible digital asset businesses that need dependable Euro infrastructure.
Euro IBAN accountsCross-border payments
Move funds beyond SEPA through payout corridors covering 130+ countries and 60+ currencies.
Cross-border paymentsPayment gateway
Accept card and alternative payment methods where the model and product fit are approved.
Payment gatewayCard issuing
Give users access to funds through Mastercard issuing, subject to programme and product approval.
Card issuingA disciplined process, a straight answer
-
01
Tell us the model
Business model, licences, jurisdictions and intended products. The real picture, not the pitch deck version.
-
02
We review the substance
Flow of funds, counterparties, controls and transaction profile, assessed by a team that understands the sector.
-
03
Get a clear answer on fit
A straight yes or no, early, before you invest weeks in an application that was never going to land.
-
04
Onboard and operate
Structured onboarding into Euro accounts and payment capability, with a named contact as you scale.
Crypto businesses need different solutions
A digital asset business does not need a provider pretending it is a normal merchant. It needs banking alternatives built for its actual profile: fiat infrastructure that stands up to regulatory scrutiny, onboarding that asks the right questions, and boundaries that are explained rather than discovered.
That is why FinXP treats the sector as something to understand and structure, not something to avoid or oversell.
Digital asset payments, answered
FinXP can assess eligible digital asset businesses through its regulated onboarding process. We do not accept or reject by sector label. Each business is reviewed on its actual model, controls and counterparties, and eligible businesses gain access to Euro accounts and payment capability.
Business model, licences, counterparties, flow of funds, jurisdictions, controls, transaction profile and intended products. The aim is to understand how money actually moves through the business before anything goes live.
No. FinXP applies clear boundaries where a model does not fit its risk appetite. What we offer is a substantive assessment and an early, honest answer rather than a blanket promise or a default decline.
Talk to a provider that understands the model
Tell us how your business actually works and get a straight answer on fit, early.