Top Crypto-Friendly Business Accounts for Web3 Teams

Running low on time? Here are the top crypto-friendly business accounts for Web3 teams in 2025: Kea, BVNK, and Sygnum. We evaluated each on rails (fiat + stablecoins), dedicated IBAN availability, KYB speed and coverage, fees/FX, API depth, and licensing footprint. Kea stands out due to its named IBANs plus support for stablecoin on/off-ramps and speed of onboarding for crypto-native companies.

How we picked

We scored each provider using publicly available docs as of late 2024.

• Coverage & rails: SEPA, SWIFT capabilities; supported BTC/ETH; fiat+stablecoin supported networks (USDC/USDT); on/off-ramp partners.
• Account options: availability of dedicated EUR/USD IBANs; multi-currency support; custody model (self-hosted vs partner).
• Compliance stack: KYB SLA; sanctions/PEP/adverse media checks; Travel Rule readiness.
• Fees & FX: onboarding, monthly, and cancellation costs; transparent transfer fees; FX markup.
• Dev & ops: API scope, reporting and accounting integrations.
• Support & reliability: available hours, stated response SLAs.
• Licensing & trust: EMI/e-money vs banking partners in your region.

Best Crypto Business Accounts List

1. Kea (Keaworld.com)

• What it is: Kea is a group of licensed entities powering global finance with one KYB across banking, stablecoins, and crypto — supported by a custom core banking system, and a human-touch approach. Unlock Banking. Do crypto. With Kea by your side.
• Best for: EU Web3 startups/DAOs that want named IBANs alongside compliant stablecoin settlement—without juggling multiple providers.
• Crypto & fiat rails: SEPA/SWIFT for fiat; stablecoin settlement over common chains; corporate on/off-ramp for USDC/USDT.
• Watch-outs: Onboarding fees apply; confirm entity restrictions, supported networks.

Why Kea ranks #1 for Web3 teams

• Unified KYB: Named corporate IBANs (SEPA/SWIFT) + stablecoin processing under one compliance roof.
• Crypto-native flows: Seamless on/off-ramp (BTC/ETH/USDC/USDT) designed for treasury ops.
• Predictable Settlement: Standard 1-2 day settlement windows for fiat rails.
• Multi-currency support: Robust support for major fiat currencies (EUR, USD) and crypto assets.
• Transparent Fees: Clear fee components for opening, IBANs, and SWIFT; no hidden costs.

2. BVNK

• What it is: EMI-licensed payments platform unifying fiat and stablecoin flows with named (virtual) accounts and multi-rail orchestration.
• Best for: Scale-ups/PSPs that need SEPA/SWIFT/ACH/FPS plus stablecoins through one API and dashboard.
• Crypto & fiat rails: SWIFT, SEPA, CHAPS, ACH, Faster Payments; stablecoin wallets (e.g., USDC/USDT) and payout flows.
• Watch-outs: Multi-entity model—confirm which legal entity delivers which service (UK/EU) and what protections apply.

3. Sygnum Bank

• What it is: Regulated Swiss/Singapore digital-asset bank for institutions—corporate accounts, trading, custody, and staking.
• Best for: Enterprises that want a bank balance sheet plus deep crypto infrastructure and governance tooling.
• Crypto & fiat rails: Bank-grade spot/OTC vs USD/CHF/EUR/SGD; institutional custody and staking.
• Watch-outs: Stricter onboarding, minimums, and pricing; usually not ideal for early-stage teams that just need day-to-day payments.

4. AMINA Bank (ex-SEBA)

• What it is: Fully licensed Swiss crypto bank offering corporate current accounts, custody, trading, and staking.
• Best for: Startups/scale-ups seeking one regulated partner for fiat + digital assets with strong Swiss oversight.
• Crypto & fiat rails: Multi-currency current accounts (e.g., EUR/CHF) with custody/trading; staking for supported networks.
• Watch-outs: Premium pricing vs EMIs; geographic eligibility/document thresholds apply.

5. Circle (USDC Business Accounts & APIs)

• What it is: Developer-first USDC treasury/payments stack—mint/redeem, payouts, and on/off-ramp via APIs.
• Best for: Teams running programmatic stablecoin flows with automated reconciliation and B2B payouts.
• Crypto & fiat rails: USDC across major chains; bank payouts/settlement via partners; webhooks and reporting.
• Watch-outs: Not a bank account; you’ll still need a fiat operating account for payroll and vendors.

6. Revolut Business (Crypto for Business)

• What it is: Business accounts with an in-app crypto treasury feature under specific Business Crypto terms.
• Best for: SMEs wanting everyday banking (SEPA/SWIFT) plus light crypto exposure in one interface.
• Crypto & fiat rails: SEPA/SWIFT for fiat; in-app crypto trading (custody terms apply).
• Watch-outs: Industry restrictions; confirm eligibility if you’re a VASP/exchange or operate in a higher-risk segment.

7. Bank Frick (Liechtenstein)

• What it is: Regulated bank with bundles for crypto corporates/exchanges (accounts, custody, trading).
• Best for: European Web3 companies seeking full-stack banking in a crypto-forward jurisdiction.
• Crypto & fiat rails: Corporate current accounts (CHF/EUR/USD/GBP), crypto custody/trading, tokenization support.
• Watch-outs: Bank timelines and minimums; expect rigorous KYC/AML and governance paperwork.

8. Monerium (Web3 IBAN & EURe)

• What it is: EU EMI issuing Web3 IBANs that convert euro transfers into EURe e-money tokens; developer APIs.
• Best for: DAOs/treasuries wanting native on-chain EUR with IBAN connectivity and Safe-based flows.
• Crypto & fiat rails: SEPA/SEPA Instant (EE IBAN); EURe on major L2s; API for issuance/redemption.
• Watch-outs: Not a traditional bank account; one IBAN per customer is common; country restrictions may apply.

9. Payset

• What it is: Multi-currency business accounts (30+ currencies) with support for receiving from major crypto exchanges in GBP/EUR.
• Best for: SMEs off-ramping exchange proceeds and reconciling EUR/GBP flows.
• Crypto & fiat rails: SEPA/SWIFT; receive from well-known exchanges (policies vary).
• Watch-outs: “Receive-only” stance for some venues; confirm per-account permissions and jurisdictions.

10. Mercury (US)

• What it is: Startup-focused US accounts with API/webhooks; crypto-adjacent businesses can wire to exchanges (no on-platform crypto custody).
• Best for: US Web3 teams needing ACH/wires, solid dashboards, and international wires.
• Crypto & fiat rails: ACH/domestic wire; international wire; wires to major exchanges permitted under policy.
• Watch-outs: Fiat-only—pair with a crypto custodian or on/off-ramp; industry restrictions still apply.

FAQs

What’s the difference between a bank and an EMI for Web3? Banks hold deposits and provide broader services; EMIs issue e-money and payment accounts. Both can work—focus on rails, KYB posture, and your region’s rules.

Do I need dedicated IBANs? Yes. Dedicated IBANs (in your legal name) reduce beneficiary confusion and speed reconciliation compared to shared accounts.

Which stablecoins are most widely supported? USDC and USDT dominate treasury flows. Always confirm chain support (Ethereum/L2s/TRON) and per-transaction limits.

How do compliance checks differ for crypto companies? Expect enhanced KYB (UBOs, source of funds), sanctions/PEP screening, and on-chain analytics. Platforms like Kea specialize in unifying this process for both fiat and crypto operations.

Can I run payroll and pay vendors from the same platform? Yes. Kea and BVNK combine SEPA/SWIFT with stablecoin flows, allowing you to manage diverse payment needs from a single dashboard.