The financial world is evolving rapidly. Many traditional banks struggle to keep pace with change—and, in some cases, introduce additional restrictions rather than flexibility. Individuals and companies seeking faster, more modern financial solutions are increasingly turning to fintech.
A new fintech provider enables users to open an account fully online, offering an IBAN, multi-currency wallet, card functionality, and integrated support for both crypto and fiat currencies. The service is fully legal, secure, and already available to clients in more than 120 countries.
The fintech provider operates across multiple regulated jurisdictions and adheres to international compliance standards.
- Registered with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) as a Money Services Business (MSB) under Canadian anti-money laundering and counter-terrorism financing legislation.
- Holds a Virtual Asset Service Provider (VASP) license in the Czech Republic.
- The group’s main holding entity is registered in the Dubai International Financial Centre (DIFC).
- Card products are issued through partner infrastructure based in Hong Kong.
- KYC/AML procedures align with FATF standards.
- Fiat funds are held in segregated accounts.
- Crypto assets are secured through Fireblocks Custody, with insurance coverage of up to $100 million.
Experts at Q Wealth can help determine whether this solution fits your needs and, if necessary, suggest alternative options based on your goals, budget, and risk profile.
Who Is This Fintech Provider Suitable For?
Flexible terms, competitive pricing, and broad financial functionality make the platform attractive for:
Small and Medium Businesses
Companies conducting cross-border operations and managing payments with clients and partners across the EU and UK, including e-commerce businesses.
IT Professionals and Consulting Firms
Software developers and consultants receiving payments from international clients in crypto or EUR.
Holding and Offshore Structures
Companies outside the EU that require a European IBAN for payments and working with international partners.
Freelancers and Crypto Professionals
Independent contractors, traders, and miners who need efficient ways to receive payments and store income in digital assets without traditional banking limitations.
Key Advantages of the Fintech Provider
Multi-Currency Functionality and Crypto Integration
One account combines euros, stablecoins, and cryptocurrencies. Conversion between EUR ↔ USDC ↔ BTC is performed instantly without requiring external exchanges.
Fast Account Opening and Remote Onboarding
Registration is fully online:
- Individuals: from 1 hour.
- Companies: typically up to 5 days.
No in-person meetings or paper document packages are required.
Dedicated IBAN Details
Each user receives a named account (individual or corporate). Accounts are opened via licensed partner banks, ensuring legal protection.
Transfer and conversion fees are fixed and publicly disclosed.
Examples:
- Personal accounts: no IBAN subscription fee.
- Business accounts: fixed monthly IBAN fee:
- €10 for EEA companies
- €30 for non-EEA companies.
- Physical/virtual card for individuals: fixed monthly fee of 10 USDC.
Global Reach and Flexibility
The service supports clients from 120+ jurisdictions, excluding sanctioned countries. Clients from sanctioned regions may still be supported if they hold residency or citizenship in approved jurisdictions.
Asset Protection and International Licensing
Fiat funds are held in segregated accounts with partner banks. Crypto assets are protected via Fireblocks with insurance coverage up to $100 million. FINTRAC registration (Canada) and VASP licensing (Czech Republic) ensure compliance with international regulatory standards.
Comparison with alternative fintech platforms
| Criteria | Typical European Fintech Banks | This Fintech Provider |
| Crypto support | Limited or unavailable | Full crypto wallet + stablecoins + Fireblocks custody |
| Offshore & holding structures | Frequent rejections, strict limits | Accepts offshore and international holdings with a transparent structure |
| IBAN details | Often restricted to EU/EEA residents | Personal and corporate vIBAN (Virtual IBAN) accounts |
| Client geography | Mainly EU and low-risk countries | 120+ countries, alternative residency accepted |
| Company onboarding | Several days to weeks | 3–5 days (priority in advanced packages) |
| Crypto + fiat integration | Usually separate systems | Unified multi-currency balance with instant conversion |
| Card types | Fiat-only cards | Virtual card funded via USDC with auto conversion |
| High-risk industries | Often restricted | Case-by-case assessment |
Documents Required to Open an Account
For Individuals
- Passport or government-issued ID.
- Proof of address.
- Source of funds documentation (if requested).
For Companies
- Incorporation documents and an official registry extract.
- Ownership structure details and information about ultimate beneficial owners (UBOs).
- Bank statement or proof of financial standing.
- Identification documents for directors and beneficial owners.
The Q Wealth team can assist with preparing, translating, and certifying all required documentation to ensure a smooth onboarding process.
Discuss the details with an expert
Check the list of required documents, and get the details of the process, terms, and costs.
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Account Types and Services
Both personal and corporate accounts are available.
Personal Account (Individuals)—from €2,000*
Processing time: from 1 business day.
The package includes:
- Accounts in EUR, USD, and supported cryptocurrencies.
- Dedicated personal account details for receiving and storing funds.
- Multi-currency crypto wallet (major cryptocurrencies and stablecoins, including BTC, ETH, USDC, XRP, LTC, SOL, DAI, and others).
- Instant fiat ↔ crypto conversion at market rates.
- Virtual crypto card (physical card currently in development).
- Online verification and full remote access.
Best suited for high-net-worth individuals (HNWIs), freelancers, and professionals who receive payments in EUR/USD and cryptocurrency and want to manage transactions within a single interface.
Corporate Account—from €3,000*
Processing time: up to 5 business days.
The package includes:
- Standard KYC/KYB verification.
- Ability to process third-party transactions (incoming and outgoing B2B, B2C, and C2B payments).
- Commission-free internal transfers.
- Dedicated named vIBAN (Virtual IBAN) for EUR accounts.
- Optional corporate crypto account and fiat ↔ crypto exchange functionality.
Best suited for international businesses and online companies that require regular EUR/USD and crypto payments with clients and partners across the EU, UAE, Asia, Latin America, and other jurisdictions.
Fast-Track Corporate Account—from €4,000*
Processing time: from 3 business days.
The package includes:
- Priority document review under KYC/KYB procedures with accelerated compliance processing.
- Ability to process third-party transactions (incoming and outgoing B2B, B2C, and C2B payments).
- Commission-free internal transfers.
- Dedicated named vIBAN for EUR accounts.
- Optional corporate crypto account and fiat ↔ crypto conversion.
Best suited for crypto companies, international holding structures, and high-volume businesses that require faster onboarding, corporate crypto functionality, and priority support.
Please note: Bank verification fees (€1,000) are not included in our service pricing.
Account Opening Process with Q Wealth
Q Wealth provides full remote support for opening personal and corporate accounts on the fintech platform—from document preparation through to final approval.
The process includes:
- Preliminary case screening (KYC/KYB), including risk assessment based on country of origin (individuals) or jurisdiction and industry (businesses).
- Preparation of required documentation in accordance with regulatory standards.
- Application submission and onboarding support.
- Communication with the fintech provider’s compliance department—responding to requests and helping accelerate review.
- Account details issuance and test payment setup.
- Configuration of limits, cards, and online access.
Need an international fintech account with IBAN access, crypto support, and virtual cards? We handle the entire process for you.
Frequently Asked Questions
How long does account opening take?
From as little as 1 hour for individuals and typically 3–5 business days for companies.
Which currencies are supported?
EUR, USD, USDC, BTC, ETH, LTC, and other digital assets.
What are the limits and fees?
These depend on the selected package and transaction volume. Limits may be increased once certain requirements are met.
Can I receive payments from third parties?
Yes. Incoming transfers from clients, partners, and other counterparties are permitted.
How does remote onboarding work?
Through a web portal or mobile app with online identity verification.
What are possible reasons for rejection?
Citizenship or registration in sanctioned jurisdictions, insufficient transparency regarding the source of funds, or business activities that do not align with the provider’s internal policies.
How secure are funds held in the account?
Fiat funds are held in segregated accounts, and crypto assets are protected with insurance coverage of up to $100 million.
What cards are available?
Currently, a virtual payment card with automatic conversion (BIN credit) is available and can be added to Apple Pay or Google Pay. It works both online and offline in most countries. This is a prepaid product funded via USDC (either direct USDC deposits or EUR → USDC conversion). Cards can be issued for both individuals and businesses. A physical card version is under development.
