What industries does Keytom accept for business accounts?

We accept businesses whose industry types are not related to high risk. The full list of prohibited industries is in the [Customer Acceptance Policy](/customer-acceptance-policy).

Which countries are accepted for company registration and UBO nationality?

Keytom accepts companies registered in more than 150 jurisdictions. For UBO nationality, higher-risk nationalities are accepted as long as the UBO has a residence permit in an accepted jurisdiction.

What are the business account fees?

The fees depend on the risk profile of your company and can be viewed [here](/business#fees-for-businesses).

Is there an account opening fee? If so, when is it charged?

We charge for account opening but the fee is deducted from your account only after it is approved. We do not charge anything upfront.

How long does it take to open an account?

Up to 3-7 business days, depending on your documents and account requirements.

Can I receive payments from individuals and send payments to individuals?

Yes. Business accounts can accept and send payments to and from both individuals and businesses. Third-party payments are allowed; nested payments are restricted.

What documents are required to open a business account?

Incorporation documents, Articles of Association, proof of address, beneficial ownership statement, and a bank statement (or other proof of funds). Each UBO with over 20% shares provides passport and proof of address.

Will the account be opened in my company's name?

Yes, the account and IBAN will be under your company name.

What are the limits on transactions?

We do not set any transactional limits, however, we can request supporting documentation for any transaction.

My business is not from the EU will I still get Euro IBAN?

The Keytom mission is to waive the borders — we want our clients, no matter where they are, to operate in any country like they are locals. So yes, if your jurisdiction is accepted, we can provide you with a Euro IBAN.

What are the capabilities?

You can receive both crypto currencies and fiat currencies from third parties, both individuals and businesses. You can store the funds in your accounts, you can exchange the funds between crypto or from Euro to crypto. You can send the funds in crypto and fiat to both individuals and businesses (third parties).

Do I need to provide any supporting documentation for transfers?

Yes, the supporting documents can be asked at any time and the exact documentation asked depends on the transfer type and other factors.

Do you provide different types of access for the employees?

At the moment we do not have different level access for the team members of the Client's company but it is in the process of being developed.

What are the countries of IBANs?

For business accounts, EUR accounts are provided with LT or MT IBANs and operate through the SEPA banking network. Please note that the specific type of IBAN assigned to your account is determined by us during the onboarding process, based on your business type and nature of activity. Clients are not able to choose the IBAN type themselves. USD accounts are provided as US local accounts with local banking details.

What crypto currencies can I have?

We provide access to a variety of crypto currencies, including: BTC, ETH, TRX, USDC, SOL, LTC, XRP, BCH, BNB, AVAX, TON.

Yes. KEYTOM SERVICES LTD. is incorporated in British Columbia, Canada, registered with FINTRAC as a Money Services Business (MSB Reg. No. M21788474) and registered with the Bank of Canada as a Payment Service Provider under the Retail Payment Activities Act (RPAA). KEYTOM SERVICES LTD. is registered to deal in virtual currencies and operates in accordance with applicable AML and compliance requirements. Please note that registration with FINTRAC or the Bank of Canada does not constitute endorsement by FINTRAC, the Bank of Canada, or the Government of Canada. Funds held by KEYTOM are not insured by the Canada Deposit Insurance Corporation (CDIC).

How are my funds protected?

Digital asset infrastructure is insured up to $100M with institutional-grade security measures and insurance coverage provided by Fireblocks through providers including Marsh and Munich Re. Client fiat funds (EUR/USD) are held in segregated accounts, separate from company operating funds, in line with applicable FINTRAC requirements and FATF guidelines. Client accounts are registered in the customer's name and maintained in accordance with applicable recordkeeping and compliance requirements under Canadian regulations.

Where are the accounts opened?

Keytom works with licensed banking and payment partners that provide the underlying financial infrastructure and connect our services with banking institutions where client accounts are opened, primarily within the EEA, including the United Kingdom and Lithuania.

Business

Open a global, compliant
business account in days

Crypto & fiat accounts

Open crypto and named fiat accounts in USD, EUR, USDC, BTC, ETH, and other currencies.

180+ countries 90% industries

From emerging markets to established businesses, we support companies across industries and borders.

Online onboarding. Fast approval.

Open your account fully online. Document review is typically completed within 48 hours after upload, with no branch visits or paperwork required.

Licensed and regulated

Licensed with FINTRAC in Canada and operating in line with OFAC, EU, and UN requirements.

Registration

Company document verification (KYB)
Shareholder and director verification (KYC)
Opening a fiat account (IBAN)

Clients' cases

Client: International company operating across multiple regions

●challenge●with Keytom:

Accessing local payment methods in different regions was difficult. Many partners required local rails, and opening accounts like SEPA or ACH in each region took time.

The company can send payments through SEPA for EU transfers and via ACH and Fedwire in the US, as well as SWIFT for global payments, all from one platform.

Client: Business with mixed fiat and crypto payment flows

●challenge●with Keytom:

Managing crypto and fiat funds required several platforms. Moving funds between them was slow and expensive.

The company now manages crypto and fiat in one account and can move or exchange funds directly inside the platform.

Client: EdTech company with employees and contractors worldwide

●challenge●with Keytom:

Paying a distributed team across different currencies required multiple payment providers.

The company sends fiat and crypto payments to employees and contractors worldwide — all from one platform.

Client: Consulting firm accepting payments from companies and individuals

●challenge●with Keytom:

Many financial institutions restrict transfers from individuals to business accounts, making multi-currency collection difficult.

The firm receives C2B and B2B payments in multiple currencies — all into one account.

Client: Crypto startup needing a fast account opening to launch operations

●challenge●with Keytom:

Opening a business account in some jurisdictions can take weeks or months, delaying operations.

The company completed onboarding quickly and launched operations without delays.

Client: Digital agency managing payables and receivables across multiple currencies

●challenge●with Keytom:

Cross-border transfers were unpredictable: funds pending for days, unexpected restrictions, and unclear fees made it difficult to pay vendors and staff on time.

The agency consolidated fiat and crypto payments into one account with transparent fees, faster settlement via SEPA and SWIFT, and a stable onboarding process that didn't stall operations.

Personalized pricing for your business

Select country of incorporation

Select industry

Account opening fee: €1,000 (paid upon successful onboarding)
Monthly maintenance: Free
Compliance review fee: Included
Monthly limits: None

Open account

Enterprise-grade security for your business

Crypto assets insured up to $100M (Fireblocks, Marsh, Munich Re)

Fiat funds in segregated accounts, compliant with FINTRAC & FATF

Business accounts legally secured under company ownership

Registered as MSB under FINTRAC supervision

PRAA registration with the Bank of Canada in progress

Open a global, compliantbusiness account in days

Crypto & fiat accounts

180+ countries 90% industries

Online onboarding. Fast approval.

Licensed and regulated

Registration

Clients' cases

Client: International company operating across multiple regions

Client: Business with mixed fiat and crypto payment flows

Client: EdTech company with employees and contractors worldwide

Client: Consulting firm accepting payments from companies and individuals

Client: Crypto startup needing a fast account opening to launch operations

Client: Digital agency managing payables and receivables across multiple currencies

Personalized pricing for your business

Enterprise-grade security for your business

FAQ

What industries does Keytom accept for business accounts?

Which countries are accepted for company registration and UBO nationality?

What are the business account fees?

Is there an account opening fee? If so, when is it charged?

How long does it take to open an account?

Can I receive payments from individuals and send payments to individuals?

What documents are required to open a business account?

Will the account be opened in my company's name?

What are the limits on transactions?

My business is not from the EU will I still get Euro IBAN?

What are the capabilities?

Do I need to provide any supporting documentation for transfers?

Do you provide different types of access for the employees?

What are the countries of IBANs?

What crypto currencies can I have?

Are you licensed?

How are my funds protected?

Where are the accounts opened?

Open a global, compliant
business account in days