In 2025, crypto companies face one of the most hostile banking environments yet.
- Traditional banks have closed their doors to crypto flows
- EMIs are under pressure from correspondent banks to drop crypto clients
- Even crypto-friendly PSPs are struggling with partner restrictions
But while many say “banking is dead” for crypto, at BankMyCapital, we’ve helped dozens of projects — from OTC desks to NFT marketplaces — get real banking setups that work and last.
This guide explains how we do it.
The Real Problem with Banking in Crypto
It’s not that crypto businesses are illegal.
It’s that banks don’t understand them, and compliance teams are scared of the risk.
If you:
- Touch wallets directly
- Don’t explain KYT tools
- Receive money from OTC or exchanges
- Deal with NFTs or DeFi
…you’re labeled as “too risky” before you even finish your application.
Why “Crypto-Friendly” Banks Still Offboard Clients
Even so-called crypto-friendly providers will reject or offboard you if:
- You don’t declare crypto activity upfront
- You fail a KYT check post-onboarding
- Your volumes exceed the declared forecast
- You receive funds from flagged exchanges
- You route crypto through personal accounts
💡 The issue isn’t activity — it’s unclear flows + missing documentation.
What Crypto Businesses Actually Need in 2025
You don’t need a traditional bank.
You need a multi-layered structure that provides:
| Requirement | Solution |
| SEPA IBAN for client settlements | EMI in EU (Czech, Lithuania, Malta) |
| USD account for OTC flow | Offshore bank (Belize, Nevis, Puerto Rico) |
| Crypto ramping (on/off) | Regulated OTC partner with KYT + invoice |
| Treasury storage | Swiss account or EU EMI with reserve limits |
| KYT screening | Integration with Chainalysis, Notabene, or equivalent |
| Compliance narrative | Professionally written onboarding summary |
Crypto-native companies need traditional rails to interact with institutions — without compromising decentralization.
How BankMyCapital Screens and Structures Crypto Clients
Before any introductions, we conduct a full crypto compliance review:
✅ What wallets do you use?
✅ How do you screen transactions?
✅ Do you manage third-party funds?
✅ Do you custody user assets or act as an intermediary?
✅ Do you use OTC, P2P, or platforms like Binance, Kraken, Coinbase?
✅ Is your company licensed or exempt?
Based on your answers, we structure your:
- Entity type
- EMI vs bank setup
- KYT/AML package
- Flow-of-funds documentation
Our Process: From Review to Introductions
Here’s how we work with crypto clients:
- Free risk consultation
- Entity structure audit (offshore/onshore split, UBO location)
- Compliance file preparation (wallet logs, KYT, forecast, flow)
- Intro to EMIs or banks that accept your crypto activity
- Support during onboarding process
- Add crypto PSPs or OTC ramps if needed
- Build redundancy with offshore/treasury accounts
All providers we introduce are — to the best of our knowledge — regulated and compliant in their jurisdiction.
Banking Options: EMI, Offshore, Treasury, and Crypto PSPs
| Option | Use Case | Jurisdictions |
| EMI (SEPA) | Inbound fiat from EU clients | Lithuania, Czechia, Malta |
| Offshore bank | USD flows, treasury holding | Belize, Labuan, Nevis |
| Crypto-friendly PSP | Merchant services or white-label ramp | Malta, Cyprus, UAE |
| OTC off-ramp | B2B conversion from USDT to EUR/USD | Switzerland, UAE |
| Swiss account | Long-term reserves, HNW banking | Zurich, Geneva |
We advise building at least 2 EMI accounts + 1 OTC partner to avoid downtime.
Use Case Examples: Who We Help and How
🔹 Crypto OTC Desk
- Setup: Cyprus OpCo + BVI HoldCo
- Needs: SEPA settlement, USD off-ramp, crypto invoicing
- Solution: Czech EMI + Belize bank + Swiss OTC partner
- Result: Stable SEPA + crypto-to-fiat flows in under 3 weeks
🔹 NFT Marketplace
- Setup: Estonia LLC
- Needs: Collect EUR/USDT, settle to creators
- Solution: Lithuanian EMI + KYT integration + PSP for fiat
- Result: Approved within 14 days, linked to on-chain minting tool
🔹 P2P Platform (non-custodial)
- Setup: UAE OpCo + EU flow layer
- Needs: EUR off-ramp, no exchange license
- Solution: Regulated OTC off-ramp + documentation of flow
- Result: Structured in layers to pass compliance — no licensing needed
💡 Each client was matched to providers who accept their specific risk profile.
Documentation & KYT: What Banks Want to See
Crypto is not the problem — the lack of documentation is.
Required items:
| Document | Why It Matters |
| Wallet address list | Shows transparency and history |
| KYT reports or screenshots | Verifies source of crypto funds |
| Client onboarding policy | Needed if you serve third parties |
| Flow of funds chart | Currency, volume, counterparty info |
| AML policy | Required by almost all EMIs & PSPs |
| Platform screenshots | Helps show legitimacy and transparency |
| Licensing or registration | If available — speeds up approval |
💡 Even if you’re not licensed, we help you write a narrative banks can accept.
Legal Structuring: Offshore + Onshore Pairing
Crypto companies often need jurisdictional segmentation:
| Entity | Purpose |
| EU OpCo | EMI onboarding, PSP registration |
| BVI HoldCo | Token issuance, investor equity |
| Swiss account | Treasury + legal reserve |
| UAE base | Licensing / friendly crypto zone |
| Malta PSP | EUR/GBP collection via card or wire |
We help you pair the right providers to the right structure — avoiding blacklists and flow traps.
Post-Onboarding Support: Staying Compliant
After onboarding, we help clients:
- Monitor KYT and submit monthly flow reports
- Prepare for compliance refresh (every 6–12 months)
- Adjust volumes or explain flow changes
- Add new PSPs or OTC layers as your business scales
- Shift flows if providers change policies
✅ This is why most of our crypto clients stay onboarded longer than industry averages.
Why We Succeed Where Others Fail
Most crypto companies fail onboarding because they:
- Hide crypto exposure
- Submit cold applications
- Lack KYT or AML documentation
- Can’t explain their payment flows
- Mix personal and company wallets
- Apply to the wrong provider for their structure
At BankMyCapital, we solve this through:
✅ Introductions to providers that actually onboard crypto
✅ Full pre-screening of your business, wallets, and structure
✅ Assistance in building bank-ready files — not just generic documents
✅ Ongoing support after onboarding to ensure continuity
✅ Access to Swiss, offshore, and EU providers via a real, tested network
We’re not just a form-filler. We’re your crypto banking architect.
Final Thoughts
Crypto is here to stay — but banking for crypto will only get harder in the years ahead.
That’s why successful projects now treat banking as infrastructure, not just a checkbox.
You need multiple accounts, legal clarity, and clear flows — with the help of someone who’s done it before.
📩 Are you a crypto company struggling to get a real banking setup in 2025?
Let BankMyCapital help you build a layered, compliant, and scalable structure — with introductions to EMIs, offshore banks, and OTC desks that actually support your business model.
Click below to schedule a private consultation — or email us for a review of your setup, risk level, and banking goals.