You’ve opened your business bank account — maybe even multiple.
You’ve onboarded with a PSP (Payment Service Provider) or crypto exchange.
But how do you connect the two without triggering freezes, flags, or de-risking?
In 2025, the answer isn’t “just wire money.”
You need to build a secure, compliant, and clearly documented bridge between your financial partners — or you risk account closure, PSP rejection, or worse, full platform bans.
In this article, we’ll show you how to securely link bank accounts to:
- PSPs (Stripe alternatives, card processors, payout engines)
- Crypto exchanges and OTC ramps
- Multi-jurisdiction business structures
Why Banks and PSPs Monitor Your Payment Links
In 2025, all licensed banks and EMIs are required to comply with:
- FATF Travel Rule
- PSD2 / PSD3
- AMLD6
- MiCA (for crypto in the EU)
That means they:
- Monitor where money comes from and where it’s going
- Flag connections to exchanges, high-risk PSPs, or crypto mixers
- Require a clear explanation of each payment corridor
💡 If your PSP or exchange is linked to a bank without documentation, your account can be frozen — even if the transaction is legitimate.
The Dangers of Linking Accounts Improperly
Improperly linking accounts can lead to:
- ❌ Account freezes due to “unexplained crypto exposure”
- ❌ Termination by your PSP or bank with zero notice
- ❌ Flagging your IBAN or wallets as suspicious
- ❌ AML investigations or regulatory reporting
- ❌ Getting blacklisted by processors or losing correspondent access
Examples of bad linking:
- Using a personal wallet for business crypto settlements
- Wiring funds to an exchange that’s not declared to your bank
- Settling PSP payouts into an account with mixed high-risk flows
What a “Secure Link” Actually Means in 2025
A secure connection between a bank, PSP, and crypto exchange includes:
✅ Declared counterparties in your onboarding file
✅ Matched names and jurisdictions
✅ Transaction purpose explained (e.g., affiliate payout, client invoice, fiat settlement)
✅ KYT logs or payment documentation
✅ Consistent volumes across both ends
✅ Flow-of-funds diagram with timelines and compliance contacts
💡 Transparency is strength. Banks don’t like surprises.
Key Bank-PSP-Exchange Flow Diagrams
Here are examples of approved flow structures:
🔹 Crypto On-Ramp via PSP
- Client pays in EUR → PSP → EMI (Bank) → OTC Desk → Crypto Wallet
- Documents: PSP contract, OTC invoice, KYT log, payment reason
🔹 FX Affiliate Platform
- Client deposits via PSP → EMI → Commission payout to offshore USD account
- Documents: PSP merchant agreement, flow map, AML policy
🔹 Gambling Payout System
- Player wins → Gaming EMI → PSP → Director/affiliate → Personal/business bank
- Documents: Licensing docs, KYT reports, PSP logs
Structure each step — and document who handles what.
Documents You Must Provide Before Linking Accounts
When connecting accounts (especially if high-risk), prepare:
| Document | Required By |
| PSP contract / onboarding approval | EMI / bank |
| Flow-of-funds diagram | EMI, crypto desk, bank |
| KYT report (e.g., Chainalysis, Crystal) | Bank or OTC |
| Sample invoice or platform screenshot | All parties |
| AML/KYC policy | PSP, EMI, and crypto provider |
| Crypto wallet ownership proof | OTC and EMI |
| Beneficiary account details | PSP → EMI or vice versa |
| Proof of licensing (if applicable) | EMI, PSP, and compliance |
Crypto KYT and Bank Reconciliation Tips
Banks and EMIs now expect you to prove your crypto hygiene — especially when linking to exchanges or OTC desks.
✅ KYT Best Practices:
- Use Chainalysis, Elliptic, Scorechain, or Notabene
- Export KYT logs monthly and keep them on file
- Flag high-risk wallets before funds hit your IBAN
- Reconcile crypto inflows with matching invoices or OTC trade records
- Never send crypto proceeds directly to personal accounts
💡 Even if your flow is legal, bad documentation = red flag.
Real-World Case: EU EMI + PSP + OTC Crypto Ramp
Client Type: Licensed OTC desk serving EU corporate clients
Setup:
- SEPA account at Lithuanian EMI
- PSP for EUR card deposits
- Crypto off-ramp via Swiss OTC desk
Flow:
- Client card payment → PSP → EMI (Bank)
- EUR → OTC Desk → USDT
- KYT scan → Sent to client’s declared wallet
Documents used:
- PSP agreement + EMI onboarding form
- KYT screenshots per wallet
- OTC invoice per transaction
- Bank flow map filed monthly
Outcome:
✅ Zero compliance flags over 6 months
✅ PSP volumes increased after structured track record
✅ Swiss bank approved treasury account based on flow transparency
What Not to Do: Common Mistakes
❌ Linking personal wallets to business IBANs
❌ Settling PSP flows into an EMI not declared on the merchant file
❌ Accepting funds from anonymous exchange accounts
❌ Mixing unrelated activities in one account (e.g., adult + NFT)
❌ Sending/receiving crypto via P2P platforms without documentation
💡 Banks don’t block crypto — they block unstructured crypto.
How to Build Multi-Layered Payment Links
High-risk businesses should split flows:
| Flow Type | Link Example |
| Client deposits | PSP → EMI (declared, SEPA) |
| Crypto sales | OTC Desk → EMI (with KYT logs) |
| PSP settlements | PSP → EMI (merchant file updated) |
| Treasury flow | EMI → Swiss/offshore account (with memo) |
| Affiliate payouts | EMI → Partner EMI or offshore USD account |
Use different IBANs or EMIs per activity when possible.
This adds clarity, minimizes risk, and improves audit trails.
How BankMyCapital Helps You Link Accounts Safely
We don’t just help you open accounts — we make sure they work together.
Here’s how we do it:
✅ Provider Matching:
- We connect you only to PSPs, EMIs, and crypto partners that can integrate seamlessly based on your structure and sector.
✅ Document Preparation:
- We build the compliance file that explains your payment flows, KYT tools, and crypto linkages — professionally, clearly, and bank-ready.
✅ Flow Mapping:
- We design your “flow-of-funds architecture” — showing who pays what, where it goes, and why it’s legal and documented.
✅ Onboarding Support:
- If your EMI needs proof of your PSP, or your PSP flags a crypto link — we step in to clarify, escalate, or adapt.
✅ Redundancy Planning:
- We structure multiple accounts and fallback payment channels, so no single flag takes down your business.
💡 Most providers fail not because of the flow — but because of the narrative.
We fix that.
FAQ: Linking High-Risk Accounts to PSPs and Exchanges
Q: Can I link a PSP to an offshore bank?
Sometimes — but only if the PSP accepts offshore beneficiary accounts and the volume is justified.
Q: Can crypto be converted directly to fiat in a bank account?
Yes, but only through regulated OTC desks or crypto PSPs with KYT and invoicing — not personal wallets.
Q: Will my bank allow incoming funds from Binance, Kraken, etc.?
Not unless declared and justified. Most require documentation or avoid direct links to exchanges.
Q: Should I use different accounts for different flows?
Yes. Separate crypto from fiat, client intake from affiliate payouts, and so on.
Q: What if my EMI flags a payment after it arrives?
That’s why documentation must precede activity. We help structure pre-approval to avoid this.
Final Thoughts
In 2025, simply wiring money between a PSP and a bank isn’t enough.
You need to orchestrate those flows — clearly, legally, and with foresight.
Whether you’re onboarding with a PSP, OTC desk, or exchange — your banking must match.
At BankMyCapital, we don’t just help you “get accounts.”
We help you build systems that let those accounts operate — safely, at scale, and without interruption.
📩 Ready to connect your EMI, PSP, or OTC setup the right way?
Contact BankMyCapital for a full review of your banking and payment architecture.
We’ll structure the flows, prepare the documents, and introduce you to regulated providers that accept your business — and won’t shut you down.