Regulated Business Banking for Digital Asset Companies

FCA-Regulated Banking Infrastructure for Web3 Businesses

Clear Junction provides comprehensive business banking services specifically designed for cryptocurrency and Web3 companies, including digital currency exchanges, Electronic Money Institutions (EMIs), Payment Service Providers (PSPs), and blockchain-based financial platforms. As an FCA-regulated institution founded in 2016, Clear Junction understands and accepts crypto-related business models without discrimination, operating through two regulated entities: Clear Junction Limited (FCA FRN: 900684) as an Electronic Money Institution, and Clear Junction Digital Limited (FCA FRN: 900696) as an MLRs-registered cryptoasset business.

Multi-Currency Business Accounts

Correspondent accounts serve as the cornerstone of Clear Junction's banking offering for regulated financial institutions. These accounts enable digital currency businesses to maintain balances in multiple currencies and efficiently manage incoming transactions from their customers at scale. The platform connects to major payment networks including GBP Faster Payments, BACS, CHAPS, EUR SEPA Instant, and SEPA CT, providing comprehensive payment rail access through a single banking relationship.

Corporate accounts streamline everyday business transactions for crypto companies making regular administrative payments including rent, supplier payments, and employee salaries. The accounts connect to various UK and European payment systems, eliminating the need for multiple banking relationships to handle different payment types. Management is available through both API integration for automated operations and online banking portal for manual administration.

Specialized Infrastructure for Crypto Operations

Collection accounts are specifically designed for regulated financial institutions including digital currency exchanges, enabling efficient management of customer deposits and incoming payments. For crypto businesses, collection accounts provide FCA-regulated banking infrastructure to receive fiat currency deposits from customers, serving as compliant on-ramp services for trading platforms.

The accounts support multiple currencies and connect to major European payment rails, allowing digital asset businesses to accept customer deposits via bank transfer from across the UK and European Economic Area. Real-time payment capabilities through Faster Payments and SEPA Instant enable 24/7 customer deposits, improving user experience and liquidity management for cryptocurrency exchanges and DeFi platforms.

Banking-as-a-Service Capabilities

e-Money accounts enable UK marketplaces, Banking-as-a-Service (BaaS) platforms, and open banking providers to offer white-label banking services to their business customers without obtaining their own banking license. Each corporate customer receives their own e-money account with unique account details, allowing the platform provider to manage customer funds in a compliant manner while maintaining regulatory compliance.

Built for Scale and Compliance

Clear Junction currently serves over 100 global regulated financial service providers across 30+ countries and territories, processing billions of euros annually with millions of end customers using their infrastructure. This demonstrates the scalability required for high-volume crypto operations. Access is supported through API integration or online banking portal, allowing flexible integration options based on technical requirements. The banking relationship is built on understanding the unique operational needs and regulatory requirements of cryptocurrency and blockchain-based businesses.

The company holds ISO/IEC 27001:2022 certification for information security management, demonstrating robust data protection and internal controls essential for digital asset businesses. With dedicated Client Service Managers, Relationship Managers, and Technical Support Teams assigned post-onboarding, Clear Junction ensures seamless integration and ongoing optimization of their banking solutions for client growth.