Digital Banking
Centralised, crypto-friendly banking
Explore the global scene of digital and centralised crypto-friendly banking, where secure transactions meet tailored financial solutions. From Europe to Asia and the United States, these are the essential insights guiding you through a dynamic domain — the significance of each regime, and a clear comparison of services for a confident journey in digital finance.
Assets held
BTC · ETH · USDT · USDC
Segregated custody
Deposit currencies
USD · EUR · GBP · CHF
Instructions accepted
24 / 7
Network settlement applies
Wallet transfers
Registered addresses
The global scene
Three regimes, one relationship
Digital banking is regulated differently in every region. Your relationship stays in one place while we apply the rules that govern where your money sits and where it goes.
| Region | Regulatory framework | Settlement rails | Supervisory focus |
|---|---|---|---|
| Europe | Single crypto-asset licensing regime, passported across member states | SEPA fiat rails, euro stablecoin on-ramp | Uniform disclosure and stablecoin reserve rules |
| Asia | Licence by jurisdiction — Singapore, Hong Kong, Japan, UAE | Local instant payment rails, USD and USDT corridors | Custody segregation and retail access limits |
| United States | Federal and state supervision, money-transmitter licensing | Fedwire, ACH, USDC settlement | State-by-state availability and reporting |
Why it matters
Secure transactions, tailored solutions
Centralised banking gives you recourse, reporting and a named officer. Crypto-friendly policy means digital assets do not put that relationship at risk.
What you gain
- Deposit accounts and digital asset balances in a single portal
- Source-of-funds reviewed once, not at every transaction
- Transfers sent only to wallet addresses you have registered
- Statements and transaction history suitable for tax reporting
- A named account officer for every instruction
What we require
- Identity verification approved before any transfer is sent
- Evidence of the origin of digital assets held with us
- Screening of every wallet address you register
- Instructions from the registered account holder only
- Confirmation of the network before each transfer
Compare services
A bank account, not an exchange account
How a crypto-friendly private bank differs from holding assets on a trading venue.
| Service | With us | Typical exchange |
|---|---|---|
| Fiat and digital assets in one view | Yes — deposit accounts and custody balances side by side | Separate exchange login |
| Transfers to your own wallet | Yes, from the client portal, registered addresses only | Usually not offered by a bank |
| Named account officer | Yes, for every relationship | Support ticket |
| Multi-currency deposit accounts | USD, EUR, GBP, CHF | Single currency |
| Source-of-funds handled once | One verification file covers fiat and digital assets | Repeated per transaction |
Open a crypto account
Every verified client holds Bitcoin, Ethereum, USDT and USDC custody accounts inside the client portal, each with its own deposit address, and can send funds to a personal wallet at any time.
Questions
Digital banking, answered
+What makes a bank crypto-friendly?
A crypto-friendly bank will accept fiat funds that originate from a regulated exchange, will not close an account simply because digital assets appear on a statement, and can hold a custody balance in major digital assets alongside your ordinary deposit accounts.
+Which digital assets can be held?
Bitcoin, Ethereum and the two principal dollar stablecoins, USDT on Tron and USDC on Ethereum. Balances sit in a segregated custody account in your name and can be sent to a personal wallet you have registered.
+How do the rules differ between Europe, Asia and the United States?
Europe applies a single licensing regime for crypto-asset service providers with passporting across member states. Asia is licence-by-jurisdiction, with Singapore and Hong Kong operating registration regimes and several markets restricting retail access. The United States supervises at both federal and state level, so the same service can be available in one state and not another.
+Is a transfer to my own wallet instant?
Instructions are accepted around the clock. Your balance is debited immediately, the transfer is queued for settlement and the network confirmation time then applies — typically minutes for Ethereum and Tron and up to an hour for Bitcoin.
+What checks apply before a digital asset account is opened?
The same identity verification as any other account, plus source-of-funds evidence for the digital assets and screening of the wallet addresses you register. Verification must be approved before any transfer can be sent.
+Are digital asset balances insured like deposits?
No. Digital assets are not deposits and are not covered by deposit insurance. They are held in custody in your name and are segregated from the bank's own assets.
Digital assets are not deposits, are not insured, and may lose value. Availability of digital asset services depends on your country and, in the United States, your state of residence. Nothing on this page is investment advice.