Banking & Payments API for Crypto Platforms

Fiat Republic is an FCA-regulated (FRN 900524) and DNB-regulated Electronic Money Institution (EMI) providing crypto exchanges, wallets, and Web3 platforms with a complete banking infrastructure through a single API integration. The platform delivers virtual accounts, multi-currency banking, wire transfers, and global payment network access designed specifically for crypto-native business models.

Virtual IBANs & Multi-Currency Accounts

Crypto platforms can issue named individual Virtual IBANs to their end-users across GBP, EUR, USD, and AUD. Each virtual account is assigned to a specific user, automating transaction reconciliation and eliminating the manual reference-based matching that typically burdens crypto finance teams. This improves fiat deliverability and creates audit-ready transaction records.

Banking Infrastructure & Wire Transfers

Through Fiat Republic's multi-bank network, crypto platforms gain access to SEPA Instant, Faster Payments (FPS), CHAPS, BACS, Fedwire, and ACH — covering all major payment networks across the UK, Eurozone, and US. The multi-bank approach protects against debanking risk by maintaining continuity even when individual banking partners change policies.

EagleNet: Real-Time Internal Settlement Network

EagleNet is Fiat Republic's proprietary closed-loop payment network connecting crypto platforms and liquidity providers for instant 24/7/365 fiat settlement. It processes transactions entirely within the Fiat Republic ecosystem, enabling real-time fund movements without dependency on external banking hours.

Regulatory Compliance Built In

Fiat Republic holds MSB registrations in Canada and the US in addition to its European regulatory status, enabling cross-jurisdictional banking operations. Every transaction is screened through Oxygen, the platform's built-in compliance and transaction monitoring engine, covering AML, sanctions, and fraud detection.