Crypto-Fiat Conversion Infrastructure

Januar provides fully regulated infrastructure for businesses to convert between cryptocurrency and fiat currencies through integrated IBAN accounts and institutional-grade trading systems. Operating under Payment Institution licensing with full MiCA compliance, the platform enables legitimate crypto businesses and traditional companies to access digital asset markets through European banking rails.

Conversion Capabilities and Trading Infrastructure

Businesses can convert crypto revenue (BTC, ETH, USDT, USDC, SOL, TRX, EURC) directly to EUR with funds settling instantly into regulated IBAN accounts. The platform implements a Request for Quote (RFQ) system providing real-time executable crypto pricing via API, eliminating order book complexity and slippage concerns. When businesses request a crypto trade, the RFQ engine queries multiple approved liquidity venues and returns firm price quotes valid for 30-60 seconds.

Crypto purchases settle directly into Januar-managed custody wallets, while sales settle in EUR to the associated IBAN account. Settlement occurs in near real-time, typically within minutes of trade execution. This integrated flow eliminates the need to transfer funds between separate custody providers and bank accounts.

Stablecoin On/Off-Ramp Infrastructure

The platform provides direct access to USDC and EURC stablecoins, enabling businesses to convert between fiat and crypto-native assets with reduced volatility exposure. Stablecoins are valuable for cross-border payments, treasury management, protocol operations, and payment acceptance without immediate conversion to fiat. Stablecoin transactions benefit from fast blockchain settlement (typically under 60 seconds) while maintaining approximate parity with underlying fiat currencies.

Lightning Network Integration

Januar integrates Lightning Network functionality for Bitcoin, enabling instant, low-cost BTC transactions. Lightning provides significant advantages for frequent Bitcoin payments: transactions settle in seconds versus 10-60 minutes for on-chain transfers, with fees typically measuring in satoshis rather than dollars. Businesses can send and receive Lightning payments through the same interface used for on-chain crypto and fiat operations.

Banking Infrastructure and Payment Rails

Each account includes named IBANs from multiple jurisdictions (DE, DK, LU, and GB for USD accounts), enabling businesses to send and receive payments through SEPA Credit, SEPA Instant, and SWIFT rails. Supported payment methods include SEPA Credit Transfer, SEPA Instant Credit Transfer (sub-10-second settlement), Danish domestic transfers (DKK), and SWIFT international transfers (USD).

The accounts function as complete operational banking solutions, allowing companies to pay salaries, subscriptions, rent, and operational expenses while managing crypto revenue conversion without leaving the platform. All accounts support EUR, DKK, and USD currencies, with integrated crypto conversion capabilities built directly into the platform.

API-Based Conversion Infrastructure

The entire on/off-ramp infrastructure is accessible via REST API with comprehensive webhook support for real-time event notifications. Development teams can automate trading workflows, programmatic account management, and crypto-enabled business logic directly into internal systems or customer-facing platforms. API capabilities include real-time RFQ requests with executable pricing, automated trade execution with configurable approval workflows, balance queries across all supported digital assets, withdrawal requests with multi-signature approval routing, and transaction history retrieval.

Embedded Banking Infrastructure for Platforms

Platforms can offer fully regulated IBAN accounts with crypto conversion capabilities to their business clients through Januar's white-label infrastructure. Partner platforms maintain complete control over customer relationships, branding, user experience, and pricing structures while Januar handles all compliance, regulatory reporting, and transaction monitoring. Each embedded account includes the same on/off-ramp capabilities as direct operational accounts: SEPA payments, SWIFT transfers, and crypto trading infrastructure.

Compliance and Regulatory Framework

As a licensed Payment Institute under Danish Financial Supervisory Authority regulation, all on/off-ramp operations operate under full European compliance standards. All crypto operations undergo automated compliance screening aligned with European AML/CFT regulations and MiCA requirements, including on-chain transaction monitoring using blockchain analytics tools, source of funds verification for large crypto deposits, destination address screening against sanctions lists, and automated suspicious activity detection. Januar maintains relationships with regulated liquidity providers and custodians, ensuring all crypto operations flow through compliant infrastructure.