50+ Banks, EMIs, and Card Issuers Supporting Web3 Startups

For many founders launching crypto companies, the biggest challenge is not technology, product design, or fundraising.

It is banking.

Opening a corporate bank account for a crypto company can be significantly more difficult than opening an account for a traditional business. Many banks remain cautious about onboarding companies operating in the digital asset sector due to regulatory uncertainty and compliance obligations.

Without reliable banking infrastructure, crypto companies cannot process fiat transactions, pay operational expenses, or connect to payment networks such as Visa or Mastercard.

Fortunately, a growing ecosystem of financial institutions now supports digital asset businesses. These institutions include crypto-friendly banks, electronic money institutions (EMIs), fintech banking platforms, and card issuing partners.

This directory provides a comprehensive overview of more than 50 financial institutions that support crypto companies worldwide.

Understanding the Crypto Banking Ecosystem

Before exploring specific institutions, it is important to understand the different types of financial infrastructure that support crypto businesses.

The ecosystem typically includes four main categories of financial institutions:

1. Traditional banks supporting crypto companies
2. Electronic money institutions (EMIs)
3. Fintech banking platforms and payment infrastructure providers
4. Card issuers and payment network partners.

Each of these institutions plays a different role in enabling crypto companies to operate within the traditional financial system.

Crypto-Friendly Banks

Although many banks remain cautious about digital asset businesses, several institutions have emerged as leaders in crypto banking.

These banks provide services such as institutional crypto trading, digital asset custody, and banking infrastructure for fintech companies.

AMINA Bank

AMINA Bank (formerly SEBA Bank) is one of the most recognized digital asset banks globally. Based in Switzerland, the bank offers a fully integrated digital asset banking platform including custody, trading, and investment services.

The institution operates under strict regulatory supervision and serves both institutional investors and digital asset companies.

Bank Frick

Bank Frick, headquartered in Liechtenstein, has built a strong reputation as a banking partner for blockchain companies.

The bank supports tokenization projects, crypto investment platforms, and fintech startups developing innovative financial products.

SEBA Bank

SEBA Bank provides institutional services for digital asset companies including crypto custody, trading infrastructure, and investment solutions.

The bank has positioned itself as a bridge between traditional financial markets and the digital asset ecosystem.

LHV Bank

LHV Bank has historically supported fintech innovation and digital asset companies.

The institution has provided banking services to numerous fintech startups and blockchain platforms operating in Europe.

Liechtensteinische Landesbank

Liechtensteinische Landesbank has expanded into digital asset services by offering crypto investment products and custody solutions.

FinecoBank

FinecoBank has integrated crypto trading capabilities within its financial services platform.

Bank of Valletta

Bank of Valletta has explored digital asset investment services within the European market.

Zand Bank

Zand Bank, based in the United Arab Emirates, is a digital bank that has expressed strong interest in supporting fintech and blockchain companies operating in the region.

Electronic Money Institutions (EMIs)

Electronic money institutions play a critical role in the fintech ecosystem.

Unlike traditional banks, EMIs focus on providing payment infrastructure such as multi-currency accounts, IBAN accounts, and international payment processing.

For many crypto startups, EMIs provide the fastest path to obtaining financial infrastructure.

MultiPass

MultiPass is a UK-regulated EMI providing multi-currency business accounts for global companies.

Businesses using MultiPass can open IBAN accounts, send payments internationally, and manage foreign exchange transactions.

Transferra

Transferra offers financial infrastructure designed for international digital businesses.

The platform supports payments across more than 180 countries and provides multi-currency accounts for global companies.

Satchel EU

Satchel EU is a Lithuania-based EMI that provides IBAN accounts and payment infrastructure for fintech companies.

Lithuania has become one of Europe’s most important fintech hubs due to its access to the SEPA payment network.

Payset

Payset provides international payment infrastructure including multi-currency accounts and SEPA transfer capabilities.

Nexpay

Nexpay provides electronic money accounts and payment processing infrastructure for fintech startups.

Bankera

Bankera offers payment services and electronic money accounts for digital businesses.

Narvi

Narvi is a Finland-based financial platform offering accounts designed for international technology companies.

FinXP

FinXP provides payment infrastructure and multi-currency accounts for fintech companies operating globally.

Vialet

Vialet is a Lithuania-based EMI offering IBAN accounts and payment infrastructure for digital businesses.

Verico

Verifor provides payment services and financial infrastructure for international companies.

Additional EMIs and Fintech Banking Platforms

Several additional institutions provide payment infrastructure used by fintech startups and digital asset companies.

These include:

• 3S Money
• Interpolitan Money
• Bang Global
• Paydo
• Metax Payments
• Ibanera
• One.io
• Sepaga
• Builderlings
• Collect & Pay
• Payrails
• Swissmoney
• Patently.

These platforms provide a range of services including multi-currency accounts, payment processing infrastructure, and financial APIs.

Fintech Banking Platforms

Some financial technology companies provide banking infrastructure through partnerships with licensed banks.

These platforms allow startups to integrate financial services directly into their applications.

Airwallex

Airwallex provides global financial infrastructure including multi-currency accounts, foreign exchange services, and payment processing capabilities.

The platform supports international companies operating across multiple markets.

Volt

Volt provides real-time payment infrastructure and merchant settlement systems.

Pave Bank

Pave Bank offers programmable banking infrastructure and multi-currency operational accounts.

Crassula

Crassula provides white-label fintech infrastructure that allows companies to launch digital banking platforms.

The platform supports crypto wallets, payment processing systems, and IBAN accounts.

Card Issuers and Crypto Card Infrastructure

Many crypto fintech companies want to launch debit cards that allow users to spend cryptocurrency through traditional payment networks.

However, issuing payment cards requires partnerships with licensed financial institutions.

Card issuers provide the infrastructure necessary to connect fintech platforms to global card networks.

Examples of card issuers supporting crypto platforms include:

• Monavate
• Unlimit
• Verestro
• Optimus.

These institutions enable fintech companies to launch branded debit cards without becoming regulated banks themselves.

Payment Networks

The final layer connecting crypto companies to the global financial system is payment networks.

Visa and Mastercard dominate the global card payment ecosystem.

These networks process billions of transactions each year and allow payment cards to be accepted at millions of merchants worldwide.

When users spend cryptocurrency through a crypto debit card, the payment flows through these networks just like any traditional card transaction.

How the Crypto Banking Infrastructure Works

To understand how these institutions interact, consider the typical infrastructure behind a crypto payment platform.

User Wallet
↓
Crypto Liquidity Provider
↓
Bank or EMI Infrastructure
↓
Card Issuer
↓
Visa or Mastercard
↓
Merchant

Each layer plays a distinct role in enabling crypto payments.

The crypto platform manages digital assets, the liquidity provider converts crypto into fiat, the banking layer provides settlement accounts, the card issuer manages payment cards, and the network processes the transaction.

The Future of Crypto Banking

The relationship between traditional financial institutions and digital asset companies continues to evolve.

As digital asset regulation becomes clearer and compliance technologies improve, more banks are expected to support crypto businesses.

At the same time, fintech infrastructure providers are developing new tools designed specifically for the digital asset ecosystem.

These developments are creating a new generation of financial platforms that combine blockchain technology with traditional banking services.

How CRYPTOVERSE Legal Can Help

Launching a crypto fintech platform requires navigating a complex ecosystem of financial infrastructure providers, regulatory frameworks, and payment networks.

CRYPTOVERSE Legal Consultancy works with Web3 founders and fintech startups to help them design and launch digital asset financial products.

Regulatory Structuring

CRYPTOVERSE Legal assists companies in designing regulatory frameworks aligned with digital asset regulations across multiple jurisdictions.

This ensures that fintech platforms operate within recognized legal frameworks.

Banking and EMI Introductions

Through its global network of partners, CRYPTOVERSE Legal helps connect crypto companies with banks, electronic money institutions, and fintech infrastructure providers capable of supporting digital asset businesses.

These introductions can significantly accelerate the process of securing banking relationships.

Crypto Payments and Card Infrastructure Advisory

CRYPTOVERSE Legal advises companies launching crypto debit cards, stablecoin payment platforms, and Web3 banking applications.

This includes structuring the partnerships required to connect crypto liquidity providers, banking partners, and card issuers.

Strategic Fintech Infrastructure Planning

The firm also assists founders in designing the full infrastructure architecture required to launch crypto fintech platforms, ensuring seamless integration between blockchain systems and traditional financial networks.

Final Thoughts

Banking infrastructure remains one of the most important challenges facing crypto startups.

However, a growing ecosystem of banks, electronic money institutions, and fintech infrastructure providers now supports the digital asset industry.

Companies that understand this ecosystem and build strong partnerships with financial institutions will be best positioned to launch the next generation of Web3 financial products.

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