Fiat24 Web3 Business Banking (Swiss IBAN)

Fiat24 provides FINMA-regulated business banking accounts for cryptocurrency and Web3 companies, delivered entirely on-chain via the Arbitrum blockchain. Backed by SR Saphirstein AG's fintech licence under Swiss Banking Act Article 1b, Fiat24 offers full regulatory compliance without requiring companies to interact with traditional banking institutions.

Account Tiers

Business accounts are represented by ERC-721 NFTs (identifiable by numbers starting with 8 on Arbitrum), available in tiers based on transaction volume:

• 5-Digit Business NFT (500 F24 mint fee): Swiss IBAN, $500,000/month transaction limit, 1.0% crypto top-up fee
• 4-Digit Business NFT (1,500 F24 mint fee): Swiss IBAN, $5,000,000/month transaction limit, 0.5% crypto top-up fee
• 3-Digit Business NFT (15,000 F24 mint fee): Swiss IBAN, $50,000,000/month transaction limit, 0.25% crypto top-up fee
• Capital Payment Account: Fixed fee of 1,000 CHF for institutional or capital management use cases

Key Banking Features

• Swiss IBAN with SEPA, SIC/euroSIC, and SWIFT connectivity for international wire transfers
• Multi-currency accounts in EUR, CHF, USD, and RMB/CNH held as ERC-20 tokens on Arbitrum
• Crypto top-up to fund accounts directly from crypto holdings
• Full on-chain transparency — all transactions and balances visible on the Arbitrum blockchain
• KYC-verified accounts with identity data secured within Swiss-regulated infrastructure

NFT-as-Account-Key Model

Each business account is controlled via an ERC-721 NFT, replacing traditional credentials with self-sovereign blockchain identity. Whoever controls the NFT in an Arbitrum-compatible wallet controls the account, enabling seamless integration with Web3 workflows and DAO governance structures.

Why Choose Fiat24

Fiat24 combines Swiss regulatory credibility with permissionless blockchain integration, making it the ideal banking solution for crypto companies, DAOs, DeFi protocols, and Web3 startups that need a regulated Swiss IBAN account integrating natively with on-chain operations.