# Embedded IBANs for your business clients.  Zero banking licenses required.

By integrating our API into your platform, you can offer your business clients access to fully regulated operational accounts. Enabling them to send and receive EUR (and other currencies) and access crypto conversion services. You manage the customer relationship and define your pricing.

We onboard and approve each client, either directly or through your workflow, and handle transaction monitoring in full compliance with EU regulations.

# Embedded Accounts Overview

Built for Businesses Serving Businesses.

Built for platforms serving business clients, like custody providers, exchanges, or PSPs who need to offer dedicated IBANs with full control, automation, and compliance.

## Januar Embedded Accounts

### Account and payment services

Each client gets a unique IBAN

### Compliance handled by Januar

### Crypto conversion/trade

### Crypto wallet custody

### Real-time RFQ engine (instant price for crypto)

### Lightning Integration

### Team-Safe Operational Controls

### Full API integration

### Supported Fiat Currencies

DKK (Danish Kroner)

EUR (Euro)

USD (with a dedicated USD account)

### Use Cases

- Offer our services to your business clients, with you being 100% in charge of the fees they pay.
- Embed our services in your payment gateway for business clients.
- Offer IBANs to your business clients.
- Offer crypto conversion to your business clients.

IBAN automatically included with accounts

- DE IBAN
- LU IBAN
- DK IBAN & BBAN
- GB IBAN (USD account only)

### Currency & rails

EUR

SEPA Credit & Instant

DKK

Standard Transfer

USD / SWIFT

### Our platform

- Your clients will need to go through onboarding approval with us.
- We only let you serve businesses, not consumers.
- We only support transparent, compliant crypto activity.
- There are some client/industries we do not currently support.

# Backed by Januar’s Payment Institution license and full EU compliance, Embedded Accounts let you offer IBANs confidently without taking on regulatory risk or complexity.

### Customize your solution with Januar API

#### Webhooks

Easy to use API Documentation

API integration

## Embed into your own platform

Fully API integrated solution. Use webhooks to manage deposits, payouts, and internal fund movements for your business clients.

### Multiple accounts

## A unique IBAN for each of your clients

### Crypto Trading

## Included access to crypto trading for your clients

### Zero banking licenses

## You don’t need a banking license

Operate financial services under your PSP or MiCA license. Meet regulatory requirements, and let Januar carry the compliance burden.

# Get trusted. Get Januar.

Get started as soon as possible. Book a chat, ask us by email, or start your onboarding today.