Get a dedicated IBAN
An account and IBAN issued in your business’s own name, not a shared or pooled number.
Crypto + IBAN
A crypto business account with a dedicated IBAN
Get paid by bank transfer, hold and convert stablecoins, and off-ramp to your own account: all from one regulated GBP, EUR and USD account with an IBAN issued in your business’s name. One onboarding for crypto and fiat, instead of a bank that blocks you and a wallet that can’t receive a wire.
In brief
What is a crypto IBAN?
A crypto IBAN is a bank-account identifier attached to an account that can receive ordinary GBP or EUR transfers and move in and out of stablecoins. Xchange360 issues a dedicated IBAN in your business’s name, so you can be paid by bank transfer, convert to stablecoins, and off-ramp back to fiat, in one regulated account.
Currencies & rails
| Currency | Rails | Account format | Typical speed |
|---|---|---|---|
| EUR | SEPA · SEPA Instant | Dedicated IBAN | Instant – same day |
| GBP | Faster Payments · CHAPS · BACS | Account number + sort code | Minutes – same day |
| USD | SWIFT | Account details | 1–2 days |
| Stablecoins | On-chain (USDC) | Your custody wallet | Minutes |
GBP settles over Faster Payments as an account number and sort code, not a true IBAN — the honest detail sophisticated buyers check for. Rails and eligibility depend on jurisdiction; the desk confirms what applies to you.
The problem
Banks freeze crypto flows. Wallets can’t take a bank transfer
Crypto and stablecoin businesses get de-banked, have transfers bounced, or end up juggling a bank account that blocks digital-asset flows and a wallet that can’t receive an ordinary payment. And when deposits land in a shared, pooled account, working out which customer sent what becomes manual reconciliation.
One regulated account, a dedicated IBAN in your name, and crypto-to-fiat that simply settles.
How it works
How it works
Receive and convert
Take GBP, EUR or USD by bank transfer, or stablecoins on-chain, and convert between them at desk pricing.
Hold or off-ramp
Hold balances in regulated custody, or off-ramp to your own bank account whenever you need fiat.
What you get
A dedicated IBAN in your name
Issued to your business, so incoming payments arrive to you and reconcile against your account, not a pooled number the provider owns.
One account, crypto and fiat
Receive, hold and convert GBP, EUR, USD and stablecoins in one place, under one onboarding.
Regulated custody, not self-custody
Balances sit in segregated, regulated custody, with no keys or seed phrases for your team to manage or lose.
A real off-ramp
Move from stablecoins to your own bank account, in your own currency, whenever you need fiat.
Fiat ↔ stablecoin at the boundary
Fiat that arrives can settle to stablecoin, and stablecoin can settle to fiat, at the edge of the account.
Built for reconciliation
A named account and clear references, so you always know which customer paid what.
Who it’s for
Crypto and stablecoin businesses that mainstream banks won’t serve
Traders and OTC desks moving between fiat and stablecoins
PSPs and platforms that need named accounts for their customers
Businesses that want to be paid by bank transfer and hold in stablecoins
FAQ
Common questions
Is a crypto IBAN a bank account?
It behaves like one for receiving and sending fiat, but Xchange360 is not a bank. Your dedicated IBAN sits with regulated payment infrastructure, and balances are held in regulated, segregated custody rather than as a bank deposit.
Is the IBAN in my own name?
Yes. We issue a dedicated IBAN in your business’s name, so incoming payments arrive to you and reconcile against your account — unlike pooled products where the IBAN belongs to the provider and every customer shares one number.
Which currencies and rails are supported?
GBP, EUR and USD and more: EUR over SEPA and SEPA Instant, GBP over Faster Payments, CHAPS and BACS, USD by SWIFT, plus stablecoins on-chain. Note GBP details are an account number and sort code rather than a true IBAN.
Can I convert between fiat and stablecoins?
Yes. The account converts between GBP, EUR, USD and stablecoins at desk pricing, so fiat you receive can be held or converted to stablecoin, and stablecoin can be off-ramped back to fiat.
Which countries can open an account?
Eligibility depends on jurisdiction and business type. Tell the desk where you’re incorporated and what you do, and we’ll confirm what’s available to you.
What does the account cost to open and run?
Pricing is quoted per business based on your needs. There is no card-style consumer fee schedule; it covers the account, conversions at desk pricing and any off-ramp. Conversion happens at desk rates rather than a hidden spread. The desk confirms the commercials for your business during onboarding.
How long does onboarding take and what do you need from us?
Opening the account involves standard business KYC/KYB (company details, ownership and the nature of your activity), after which a dedicated IBAN is issued in your business’s name. Timelines depend on your jurisdiction and business type, and crypto or stablecoin businesses that banks decline are explicitly in scope. Tell the desk where you’re incorporated and what you do to get a realistic timeline.
Can we issue named accounts or IBANs to our own customers?
Yes. PSPs and platforms that need named accounts for their customers can be given dedicated named accounts rather than everyone sharing one pooled number. How many named accounts or sub-IBANs you can issue depends on your model and jurisdiction. Discuss your customer-account structure with the desk.
Which stablecoins can I hold and receive on-chain?
The account supports USDC on-chain, alongside GBP, EUR and USD by bank transfer. Availability can depend on jurisdiction and eligibility. The desk will confirm the assets supported for your account.
