Financial infrastructure for crypto and Web3 businesses

Dedicated IBANs, fiat payment rails, and API-driven Banking as a Service for exchanges, custodians, OTC desks, and DeFi platforms.

The problem

Most crypto companies can't get the banking infrastructure they actually need

Banks decline your application, freeze the account without notice, or onboard you with conditions that make it impossible to scale. And providers that do accept crypto companies usually offer the bare minimum: pooled IBANs, no API, and manual onboarding that takes weeks.Crypto businesses need more than account access. They need dedicated IBANs, programmable payment rails, and the option to embed financial services directly into their platform, from fiat on/off ramps to a full BaaS stack.

The solution

Nordic-licensed EMI built for the crypto ecosystem

Narvi is a Finnish-licensed e-money institution that supports crypto and Web3 companies alongside other complex digital businesses. Whether you need a business account with dedicated IBANs connected to SEPA and SWIFT systems, or Banking as a Service infrastructure integrated into your platform, Narvi provides both under its own EMI license, passported across the whole EEA.This experience shapes everything from our onboarding process to our API designOpen account

Three things that matter to your crypto business

Dedicated IBANsEvery Narvi account comes with a unique IBAN under your company name. Narvi issues its own IBANs under its BIC/SWIFT identifier. Your funds are fully segregated, and your company name appears on all payments. You can generate an unlimited IBAN account via API for client deposit reconciliation or platform-level fund flows.

Full payment connectivitySend and receive EUR across 41 SEPA countries with instant payment support. Access the global SWIFT network for payments to and from 100+ countries. Scale your volumes without artificial caps or daily transaction limits.

BaaS and white-label infrastructureBuilding a wallet, a neobank, or a payments layer for your platform? Narvi's Banking-as-a-Service provides API-driven account creation, IBAN generation, payment initiation, and KYC/KYB, all under our EMI license. Go-to-market in a few months, not years.

Functionalities

What do you get with a Narvi business account?

Dedicated IBANFull business account in your company name

SEPA paymentsInstant and standard SEPA credit transfers

SWIFT paymentsInternational payments to 180+ countries

Multi-currency walletsHold and transact in EUR, GBP, SEK, USD, and more

Mass payoutsBulk payment processing for B2C disbursements

API accessAutomate payments, reporting, and reconciliation

Get a business account that won't close on you

Open account

Benefits

Different crypto businesses have different infrastructure needs. Here's how Narvi's offering maps to yours.

For crypto exchanges

Dedicated IBAN per exchange entity. Eliminate manual reconciliation between fiat inflows and user accounts.

Launch in new markets without opening multiple accounts. Hold and transact in EUR, GBP, SEK, and USD from one account.

SEPA Instant settlement. Your users see EUR deposits and withdrawals in seconds.

No daily transaction limits. Scale fiat throughput in line with trading activity, without requesting limit increases or waiting for manual approvals.

For OTC desks

No caps on large block trades. Settle million- EUR transactions on the same terms as smaller transfers.

Plug payments into your platform, not around it. API integration means no manual bank transfers, no CSV reconciliation, no finance team bottleneck.

Direct SWIFT membership. API integration means no manual bank transfers, no CSV reconciliation, no finance team bottleneck.

Payment initiation with real-time webhooks via API. Trigger payouts programmatically as trades confirm, and get an instant status callback.

For custodians and wallet providers

Fiat accounts and payments under your own brand. Your users interact with your interface while Narvi handles the regulated banking layer underneath.

Virtual IBANs for your users. Each of your clients gets a dedicated fiat deposit reference, making on- and off-ramp flows clean and auditable.

Narvi’s EMI license to facilitate your launch. Go from integration kickoff to live product in 2-4 months instead of years and six figures on your own.

For DeFi protocols and DAOs

Compliant EUR account for your DAO's legal entity. Pay auditors, legal counsel, infrastructure providers, and core contributors in fiat without relying on personal accounts.

Multi-user dashboard with role permissions. Your council, treasurer, and ops lead can access what they need without sharing a single login or exposing full account control.

DAO onboarding without hassle. Narvi's compliance process already accounts for non-standard UBO chains, multisig signatories, and governance docs that most providers don't know how to evaluate.

For stablecoin issuers

Fully segregated accounts for fiat reserves. Accounts are separated from Narvi's operational funds, auditable, and structured to meet MiCA reserve requirements.

SEPA Instant and SWIFT rails for minting and redemption flows. Process high-volume fiat inflows and outflows without batch delays or manual intervention.

No third-party dependencies. Narvi's in-house core banking means fewer points of failure and faster response when you need infrastructure changes.

Ready to move your crypto business forward?Whether you need a business account or you're building a fintech product on our infrastructure – talk to our team, and we'll scope the right setup for you.Talk to us

Narvi Payments Oy Ab is an Authorized Electronic Money Institution (EMI). Narvi’s EMI license is granted by the Finnish Financial Supervisory Authority (FIN FSA) with the registration number 3190214-6. Narvi’s license is passportised to all European Union countries.

Built and regulated in Finland

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