Regulated Business Banking for Crypto Companies

Januar operates as a licensed Payment Institution providing traditional banking services specifically designed for cryptocurrency and Web3 companies. Operating under Danish Financial Supervisory Authority regulation with full European compliance, Januar offers business checking accounts, multi-currency support, SEPA/SWIFT access, and corporate banking relationships that understand and accept crypto-related business models.

Core Banking Account Features

Businesses receive dedicated IBAN accounts supporting EUR, DKK, and USD currencies, with named IBANs from multiple jurisdictions (DE, DK, LU, and GB for USD accounts). The accounts function as complete operational banking solutions, enabling companies to pay salaries, subscriptions, rent, and operational expenses through traditional payment 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 multi-IBAN structure (DE, DK, LU, GB) provides flexibility for accepting payments from different European jurisdictions, improving payment success rates and reducing friction with counterparties.

Crypto Business Model Acceptance

Unlike traditional banks that discriminate against crypto-related businesses, Januar specializes in serving crypto exchanges, blockchain development companies, DeFi protocols, NFT platforms, Web3 infrastructure providers, and traditional businesses accepting crypto payments. The platform maintains banking relationships specifically designed for crypto business models, eliminating the account closure risks and banking access challenges that plague the industry.

Team-Safe Operational Controls

All accounts include team-safe operational controls featuring multi-signature approval workflows, role-based permissions, and transaction limits. These security features ensure no single employee has unilateral access to funds, providing organizational accountability and preventing unauthorized transactions.

Role-based access controls with granular permission settings, transaction limits configurable by user and time period, mandatory multi-factor authentication for all operations, IP whitelisting and device fingerprinting for additional security, and audit logs tracking all user actions provide enterprise-grade security for corporate banking operations.

API Integration and Automation

The banking infrastructure offers full REST API access for automated payment workflows, account management, and transaction monitoring. Webhook support enables real-time notifications for incoming payments, transaction status updates, and account events. Development teams can embed IBAN account functionality directly into internal platforms or customer-facing applications.