Crypto-Friendly Business Banking

Equals Money provides FCA-authorized business banking tailored for digital asset firms and Web3 companies. Unlike traditional banks with blanket policies against crypto businesses, Equals Money assesses each firm individually using risk-based underwriting, providing institutional-grade fiat banking infrastructure without discrimination.

Multi-Currency Infrastructure: Business accounts with unique IBANs for 38 currencies (UK) and 23 currencies (EU). Hold balances in multiple currencies simultaneously, eliminating forced conversions. Direct integration with UK Faster Payments, CHAPS, SEPA, SEPA Instant, and SWIFT for international transfers in 140+ currencies.

Named Account Segregation: Create multiple named accounts on demand, each with separate multi-currency IBANs for client segregation, operational separation, multi-entity management, and liquidity management. Essential for crypto exchanges managing client funds, digital asset managers handling investor deposits, and OTC desks requiring fund isolation.

Digital Asset Specialization: Streamlined fiat on/off ramping where clients deposit via local payment rails (FPS, SEPA, SWIFT). Established Tier 1 banking relationships provide indirect access to payment networks often unavailable to crypto businesses, ensuring faster settlements, better FX rates, and reduced payment rejections.

Security Features: Safeguarded funds held in segregated bank accounts separate from Equals Money's operational funds. Dual-authorization payment approval for high-value transactions. Real-time balance visibility across all currencies and accounts via web platform and mobile apps (iOS/Android).

API Integration: RESTful API for programmatic account management - query balances in real-time, retrieve transaction history, initiate withdrawals, and manage configurations. Connect directly to crypto exchange back-offices, OTC platforms, treasury systems, and accounting software for automated reconciliation and real-time fiat flow matching.

Banking-as-a-Service: Full card issuing with BIN sponsorship for Visa and Mastercard. Issue physical, virtual, and tokenized cards (Apple Pay, Google Pay, Samsung Pay) under your brand with custom spending controls. Available via API, white label platform, or hybrid models.

Integrations: Direct integration with Xero and SAP Concur for automatic transaction sync. Single platform consolidates multi-currency accounts, international payments, FX conversions, and card management.

Ideal For: Crypto exchanges requiring segregated client structures, digital asset managers needing fiat treasury management, OTC trading desks requiring fast settlement, blockchain infrastructure providers, NFT platforms, DeFi protocol operators, and Web3 companies operating across UK/EU markets.