Business

Open a global, compliant
business account in days

  • Available in 180+ countries and across 90% of industries
  • Named EUR IBANs and a local USD accounts
  • Onboarding in 3-7 business days
  • One account for crypto and fiat — no switching, no friction
  • Segregated accounts, FINTRAC & FATF compliant

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, 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.

Business user flow
open account
Checking your 
documents
Get Keytom on the App Store
Congrats! You can now use IBAN accounts
for fiat currencies
Registration
  • ●  Company document verification (KYB)
  • ●  Shareholder and director verification (KYC)
  • ●  Opening a fiat account (IBAN)
Business user flow
Choose
payment details
bitcoin icon blue svg
BTC
1.90 BTC
Scan QR code
to get funds
Choose
payment details
eu logo svg
EUR
400 €
Currency
Currency
Account #
GB9287...9235
Bank name
Barclay’s
BIC
BUKBGB22
Copy account
details
EUR
Deposits
  • ●  Select payment details — SEPA, SWIFT USD / Fedwire, or crypto
  • ●  Receive payments to your account
  • ● 
Business user flow
argentina flag svg
Argentine pesos
BTC
EUR
uae flag svg
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
  • ●  Select payment type — SEPA, USD SWIFT / Fedwire, or crypto
  • ●  Enter recipient details — business or individual
  • ●  Send the payment

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.

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 maintenance
Free
Compliance review fee
Included
Monthly limits
None
open account
SEPA / SEPA Instant in
0.3% + 2.75 EUR
SEPA / SEPA Instant out
0.5% + 2.75
Crypto out
SWIFT USD / Fedwire in
SWIFT USD / Fedwire out
0.1% + network fee
0.4% + 40 USD for SWIFT / + 20 USD for Fedwire
0.6% + 40 USD for SWIFT / + 20 USD for Fedwire
open account
Crypto ↔ Crypto
0.25%
Fiat ↔ Crypto
1%
Fiat ↔ Fiat
1%
open account
Thanks! We’ve got your details!
We’ll let you know once onboarding becomes available 

for your country and industry.
Oops! Something went wrong while submitting the form.

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

FAQ