# EU-compliant financial business accounts

Business banking. Trusted by crypto. Regulated in the EU.

# Operational IBAN Accounts Overview

A business account you can trust.

Tailored for companies working in crypto, digital assets, and beyond. Regulated, reliable, and ready to handle the complexity of digital finance.

One IBAN. Trusted. Regulated. Ready.

## Account and payment services
### Named IBAN Accounts (DE, DK, LU & GB IBANs)

### Payment transfers

### Crypto conversion / trade

### Crypto Wallet Custody

### RFQ (Instant Price for Crypto)

### Lightning Integration

### Team-safe Operational Controls

### API Integration (with webhooks)

### Supported Fiat Currencies

- EUR (Euro)
- DKK (Danish Kroner)
- USD (with a dedicated USD account)

## Use Cases

- Send and receive payments
- Pay operational expenses
- Convert crypto revenue to normal fiat currencies
- Stay secure with payment approval workflows

## Fair use guidelines

- We only serve businesses
- We only work with reputable partners
- We support transparent, compliant crypto activity
- There are some industries we do not currently support

## 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

# "Backed by a Payment Institution license and full EU compliance, your operations stay secure, transparent, and aligned with regulatory standards."

## Send & Receive Payments

### A designated IBAN for any operations

Accept or initiate EUR (or other fiat) payments through your business IBAN. Pay and receive reliably - without delays or compliance issues tied to crypto.

### Pay operational expenses

Use your account to cover salaries, subscriptions, rent, and tools. A reliable way to manage daily business costs—for crypto companies and other digital-first businesses alike.

### Convert crypto revenue to normal fiat currencies

Easily off-ramp BTC, ETH, USDT or USDC into EUR. Funds settle directly into your IBAN account — fast & compliant, without leaving the platform.

### Payment approval workflows

Add control with built-in payment approval flows. Predetermine user roles, manage access anytime, and ensure no single person holds full control over your funds.

# Self-optimising payment workflows with Januar API

Use our API for full access to our infrastructure. Embed it into your platform or internal workflows. Built for crypto, Web3, and traditional businesses alike.

## Handle transactions quickly and easily through easy-to-use API

Let your agents or customers trigger transactions directly from your platform or workflows, enabling automation, control, and seamless integration into your business.