Institutional Crypto Custody & Trading

Januar's institutional custody infrastructure provides businesses with regulated, secure digital asset storage combined with integrated trading capabilities. Operating under a Payment Institution license with full MiCA compliance, the platform serves crypto companies, traditional businesses, and financial institutions requiring enterprise-grade custody solutions.

Custody Architecture and Security

The custody infrastructure uses multi-party computation (MPC) technology and hardware security modules (HSMs) to secure digital assets. All crypto storage operates on multi-signature schemes requiring multiple authorized parties to approve withdrawals, eliminating single-signature vulnerability. Assets are never held in personal wallets or unilateral-access addresses.

Mandatory 4-eyes approval ensures at least two authorized individuals must approve any crypto transaction, preventing unauthorized employee access and providing complete audit trails. Organizations configure approval workflows based on transaction size, asset type, and user roles, matching security policies to risk tolerance.

Key recovery mechanisms protect against employee departure or credential loss using encrypted backup key shares and industry-standard recovery protocols. Recovery processes include identity verification and multi-factor authentication to prevent social engineering attacks, ensuring businesses never lose access to assets due to operational incidents.

Supported Assets and Trading

The platform supports institutional-grade custody for Bitcoin (BTC), Ethereum (ETH), Solana (SOL), Tron (TRX), USD Coin (USDC), and EUR Coin (EURC). Lightning Network integration enables instant, low-cost Bitcoin transactions with fees measuring in satoshis rather than dollars, ideal for frequent small payments or recurring operations.

Real-time conversion operates through a Request for Quote (RFQ) system providing executable pricing via API or platform interface. The RFQ engine queries multiple approved liquidity venues and returns firm price quotes valid for 30-60 seconds, eliminating order book complexity and slippage concerns. Crypto purchases settle directly into Janeiro-managed custody wallets, while sales settle in EUR to associated IBAN accounts in near real-time.

Integrated Banking Infrastructure

Unlike standalone custody providers, Januar integrates crypto custody with fully regulated European IBAN accounts. Each account includes named IBANs from multiple jurisdictions (DE, DK, LU, GB for USD), supporting SEPA Credit, SEPA Instant, and SWIFT payment rails. This integration enables businesses to convert crypto revenue directly to EUR with funds settling into IBAN accounts instantly, managing both digital and fiat assets from a single platform.

Businesses can pay salaries, subscriptions, rent, and operational expenses while managing crypto holdings without transferring between separate custody providers and bank accounts. All accounts include team-safe operational controls with multi-signature approval workflows, role-based permissions, and transaction limits.

API and Automation Capabilities

The entire custody and trading infrastructure is accessible via Janeiro's REST API with comprehensive webhook support. Development teams can build automated trading workflows, programmatic custody 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 assets, withdrawal requests with multi-signature approval routing, transaction history retrieval, and webhook notifications for deposits, withdrawals, trades, and approval requests. Sandbox environments enable testing without risking production assets.

Compliance and Regulatory Framework

All custody operations undergo automated compliance screening aligned with European AML/CFT regulations and MiCA requirements. Januar performs on-chain transaction monitoring using blockchain analytics tools, source of funds verification for large deposits, destination address screening against sanctions lists, automated suspicious activity detection and reporting, and KYC/KYB verification for all account holders.

As a licensed Payment Institute under Danish Financial Supervisory Authority regulation, funds are safeguarded according to Payment Services Directive requirements with segregated client accounts and tier-1 banking partnerships. Januar maintains relationships with regulated liquidity providers and custodians, ensuring all operations flow through compliant infrastructure.

Embedded Custody for Platform Partners

Platforms can offer Janeiro's custody infrastructure to their business clients through white-label embedded solutions. Partners maintain complete control over customer relationships, branding, and pricing while Januar handles all regulatory requirements, compliance monitoring, and custody security.

Embedded custody operates through Janeiro's API, allowing platforms to provision custody services programmatically. Januar handles KYC/KYB onboarding, ongoing customer due diligence, transaction monitoring, and suspicious activity reporting under its Payment Institution license, allowing partners to offer custody services without obtaining their own regulatory approvals.

Operational Security Controls

Beyond multi-signature approval and key recovery, the platform includes role-based access controls with granular permission settings, transaction limits configurable by user and asset type, mandatory multi-factor authentication for all crypto operations, IP whitelisting and device fingerprinting, audit logs tracking all user actions and system events, and regular third-party security audits of custody infrastructure.