Built-in crypto ⇌ fiat exchange
Swap leading cryptocurrencies or convert to fiat in seconds — with competitive rates and zero friction.
Financial InstitutionSpend effortless
Keep crypto and fiat currencies
in one account. Send and receive funds,
swap between assets, and pay with
a virtual card in 150+ countries
A next-generation digital financial institution built for people and businesses who move fast and think global.
Pay
Send
Receive
Store
Top Up
Convert
Manage your fiat and crypto — all in one app
Keytom virtual card
Easy & fully online
Set up your Keytom card in a few clicks, no office visits required.
Pay anywhere Visa® is accepted
Online, in-store, or contactless — your card works wherever you need it.
Spend crypto like cash
Your assets are converted automatically at the moment you pay — no manual swaps needed.
High spending limits
Spend up to $150,000 per transaction, with monthly limits reaching into the millions.
ATM access
Withdraw cash at supported ATMs when you need it.
No hidden fees
Transparent pricing with no unexpected charges.
Why Keytom?
150+
countries supported
Whether you hold a passport or a residence permit — you can open an account with ease.
Low service fees
Beneficial rates, full transparency and no hidden charges.
100%
online account opening
All you need is your phone or laptop.
Trusted security
Advanced protection with $100M crypto insurance and secure infrastructure. Your assets stay safe from threats and unauthorized access.
Learn more?Built for
Global transfers
Send and receive funds from foreign countries, or make borderless crypto transfers.
Quick account setup
Open your account in minutes. Your money moves from the moment you're in.
Virtual cards
Issue virtual card linked to your crypto account. Pay anywhere and get automatic conversion at checkout when needed.
Explore cardsCrypto & fiat accounts
All your currencies in one place — EUR, USDC, BTC, ETH, XRP, TON and more.
All in one app
One app for all your business transfers — fiat and crypto, in and out.
Quick document review
The onboarding process takes up to 5 business days, fully online.
Third party transfers to/from individuals and businesses
Receive payments from and send funds to more than 180 countries.
Fiat & crypto accounts
Access EUR, USD, BTC, USDC, ETH, and other currencies with ease.
Keytom vs others
Feature
Keytom
Other financial institutions
OTC
One app for all your money
Yes
Limited support, often separated
No
Built-in crypto exchange
Yes
Limited or non-existent
Yes
Personal IBAN account
Yes (named IBANs for SEPA transactions)
Limited to EU/UK accounts
No
Send & receive money globally
Yes (to and from businesses and individuals)
Yes
No
Virtual & Physical cards (coming soon)
Yes
Yes, but not crypto friendly
Some offer only virtual or prepaid cards
Account opening friction
Just a few minutes for individuals, up to 5 business days for businesses.
Takes weeks, often offline
Complex
Available in 150+ countries
Yes
Limited to certain regions
Yes