Business

Fast, global, and compliant

IBAN for your business

  • Named EUR IBAN for SEPA transactions
  • Send & receive funds to & from individuals and businesses
  • Onboarding in under 5 business days
  • Both crypto and fiat transactions
  • Segregated accounts, FINTRAC & FATF compliant

Crypto & fiat
accounts

Crypto and named fiat accounts available in EUR, USDC, BTC, ETH, and 10+ other currencies.

120+ countries

20+ industries

We onboard companies from 120+ countries and 20+ industries, including fintech, e-commerce, and high-compliance sectors.

Fast document
review

Most accounts are opened within a few business days. Document review is typically completed in 48 hours.

All in one interface

Send and receive funds globally — to and from individuals and businesses — in both fiat and crypto. Available in 100+ countries, all in one seamless platform.

Business user flow
open account
Checking your 
documents
Congrats! You can now use IBAN accounts
for fiat currencies
Registration
  • ●  KYB - company document verification
  • ●  KYC - verification of Shareholders and Directors
  • ●  Opening a fiat account (IBAN)
Business user flow
Choose
payment details
BTC
1.90 BTC
Scan QR code
to get funds
Choose
payment details
EUR
400 €
Currency
Currency
Account #
GB9287...9235
Bank name
Barclay’s
BIC
BUKBGB22
Copy account
details
EUR
Deposits
  • ●  Choosing payment details - SEPA / Crypto
  • ●  Receiving payments
  • ● 
Business user flow
Argentine pesos
BTC
EUR
AED
DAI (ERC-20)
You send
Recipient gets
0.0 BTC
~0.03 BTC
Send via SEPA
Send to my account
Individual
Business
Transfer request
accepted
Withdrawals
  • ●  Selecting payment type (SEPA / Crypto)
  • ●  Entering recipient details (business or individual)
  • ●  Sending the payment

Client: International company. 

Needs to operate with local payment rails globally.

challenge
with Keytom:

Accessing local payment methods in different regions is difficult. Many recipients are unable to accept global payment methods, and obtaining local accounts like SEPA or ACH is time-consuming.

Client can make payments using SEPA for intra-EU transfers, ACH and Fedwire for the U.S. (coming soon), and SWIFT for global coverage (coming soon) — 
all in one seamless platform.

Client: Business dealing with crypto. Needs to streamline crypto and fiat transactions.

challenge
with Keytom:

Handling both fiat and crypto transactions is often slow and complicated, requiring the use of multiple platforms to move and manage funds.

Client can manage both fiat and crypto in one place — without needing to switch between platforms, while saving on extra fees for transferring funds.

Client: EdTech сompany with global workforce. Needs to pay employees across regions in different currencies.

challenge
with Keytom:

Payroll across regions is complex. Sending fiat and crypto simultaneously often requires using multiple services and platforms.

Client can send payments in both fiat and crypto to employees worldwide from one platform — efficiently and easily.

Client: Freelance consulting firm. Needs to accept payments from both corporate clients and individuals.

challenge
with Keytom:

Many financial instituitions restrict transfers from individuals to business accounts. To get paid, the client often had to integrate additional third-party tools — many of which weren’t reliable for large amounts or multi-currency payments.

We helped the client enable direct C2B payments and B2B transfers from companies across different currencies — all within one secure account.

Client: Crypto startup.
Needed to open an account quickly to start operations.

challenge
with Keytom:

Opening a business account in jurisdictions like the UAE or Europe often takes weeks or even months — delaying go-to-market timelines.

By providing a complete set of documents and responding promptly to any requests, the onboarding process of this company became significantly faster and more efficient compared to traditional financial instituitions.

Client: Digital agency with remote staff. Needs to pay for business tools and employee travel.

challenge
with Keytom:

The client typically had to rely on directors’ personal cards for business expenses, followed by internal reimbursements — complicating accounting and reporting. Most financial
instituitions don’t issue cards tailored for operational business needs.

The company can issue virtual business-purpose cards, fund them in fiat or crypto, and use them for tools like Google Workspace or Booking.com. Separate cards can also be issued for employees in future — with full control and transparency.

Clients’ сases

Personalized pricing for your business

Select country of incorporation
Select industry
Selected license type doesn't match your country of residence.
We’re not able to onboard you right now, but leave your contact and we’ll reach out once we’re able to support you.*
*The final onboarding decision is made by our compliance team based on internal policies.
Account opening fee
 €1,000 (paid upon successful onboarding)
Monthly IBAN fee
€10 (EEA businesses) / €30 (non-EEA)
Compliance review fee
Included
Monthly limits
None
open account
SEPA / SEPA Instant in
0.3%
SEPA / SEPA Instant out
0,5%
Crypto out
0.1%
open account
Crypto ↔ Crypto
0.25%
EUR ↔ Crypto
0.25%
open account
Thanks! We’ve got your details!
We’ll let you know once onboarding becomes available 

for your country and industry.
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