Januar ApS

Januar is a fully regulated European Payment Institute specializing in financial infrastructure for crypto businesses. Licensed by the Danish Financial Supervisory Authority (Finanstilsynet), the company provides business IBAN accounts, embedded banking solutions, and compliant crypto trading and custody services designed specifically for the Web3 and digital asset industry.

Core Products and Services

Januar offers three main product lines that enable crypto businesses to operate with full regulatory compliance across the European Economic Area:

Operational IBAN Accounts provide crypto companies with EU-compliant business accounts featuring named IBANs (DE, DK, LU, and GB), SEPA payment rails, and integrated crypto conversion capabilities. These accounts support EUR, DKK, and USD currencies and include team-safe operational controls with multi-signature approval workflows.

Embedded Accounts enable platforms, custody providers, exchanges, and payment service providers to offer dedicated IBANs to their business clients through Januar's API infrastructure. Partners maintain full control over pricing and customer relationships while Januar handles compliance, onboarding, and transaction monitoring.

Crypto Trade & Custody services provide institutional-grade crypto conversion between EUR and major digital assets (BTC, ETH, SOL, TRX, USDC, EURC) with real-time RFQ pricing, Lightning Network integration for fast Bitcoin transactions, and secure custody featuring 4-eyes approval and key recovery mechanisms.

Key Strengths

Januar distinguishes itself through deep regulatory expertise and crypto-native infrastructure. The founding team includes ex-bankers, blockchain forensics specialists, and compliance experts who previously advised law enforcement agencies and financial regulators on crypto transaction analysis. This unique combination enables Januar to build banking infrastructure that understands both traditional finance requirements and the technical complexity of digital assets.

The company holds a full Payment Institution license with EEA passport rights, allowing it to operate across all European markets. All crypto operations comply with MiCA (Markets in Crypto-Assets Regulation) requirements, with on-chain transaction monitoring integrated directly into the platform.

Januar's API-first architecture enables seamless integration into client platforms, supporting use cases from automated treasury management to white-label banking services. The platform includes webhook support, real-time payment notifications, and programmable approval workflows designed for team-based operations.

Infrastructure and Compliance

As a licensed Payment Institute regulated by Finanstilsynet, Januar operates under strict European financial supervision. The company maintains transparent regulatory status, including public inspection reports from the Danish Financial Supervisory Authority demonstrating adherence to executive orders and compliance requirements.

All IBAN accounts are backed by safeguarded funds held at tier-1 European financial institutions. Crypto custody operates on institutional-grade infrastructure with multi-party computation (MPC) technology, ensuring no single employee has unilateral access to client assets. The platform supports role-based access controls, transaction limits, and mandatory approval flows configurable to each organization's risk profile.

Target Market and Service Scope

Januar exclusively serves business clients, focusing on legitimate crypto companies, Web3 protocols, blockchain developers, digital asset exchanges, NFT platforms, DeFi projects, and traditional businesses integrating crypto payments. The company does not offer consumer wallet services or retail trading platforms.

Operating under the EEA passport regime, Januar provides services across 30+ European countries. All products support SEPA Credit, SEPA Instant, and SWIFT payment rails, with instant settlement for crypto conversions.

Why Choose Januar

Crypto businesses struggle to access reliable banking infrastructure due to industry stigma and regulatory uncertainty. Traditional banks frequently close accounts or impose unreasonable restrictions on crypto companies, while unregulated providers lack the compliance frameworks necessary for sustainable operations.

Januar solves this by combining full regulatory licensing with deep crypto expertise. The company treats crypto businesses as legitimate partners rather than high-risk liabilities, providing enterprise-grade financial tools with transparent pricing and dedicated support. Team-based controls, API automation, and integrated crypto access eliminate the need for multiple service providers, reducing operational complexity and compliance overhead.

Backed by professional investors including CMT Digital, Borderless Capital, byFounders, Skyfall Ventures, and Element Ventures, Januar has the financial stability and strategic guidance to build long-term infrastructure for the evolving digital asset industry.