Fintechs, PSPs, crypto/Web3 platforms and international businesses that need regulated euro IBAN accounts, direct SEPA access and a euro stablecoin rail via one API.

baas +2

Fees

Indicative standard rates (Standard Due Diligence; final price set on application). Monthly fee: Starter €0, Growth €12.99, Scale €35, Non-EU custom pricing. Account opening and application review: €0 on EU plans. EUR local inbound: €0. EUR local outbound per transfer: €1.00 (Starter), €0.50 (Growth), €0.25 (Scale), from 0.05% (Non-EU). EUR international outbound (SHA): 0.45% min €25 / max €125 (Starter), 0.35% min €22 / max €100 (Growth), 0.25% min €20 / max €75 (Scale), 0.40% min €25 / max €125 (Non-EU). EUR international outbound (OUR): 0.45% min €40 / max €150, 0.35% min €35 / max €135, 0.25% min €30 / max €125, 0.40% min €40 / max €150. Crypto-related transaction surcharge: 0.45% min €25, 0.35% min €22, 0.25% min €20, 0.40% min €25. EURW mint/redeem: €0. EURW deposit/withdraw: 1.0000 EURW (EU plans), from 0.05% (Non-EU). EURW ↔ USDC swap: 0.3000 / swap (Non-EU). Transfers to other Newrails users €0. High-risk businesses (Enhanced Due Diligence): pricing quoted per client.

Settlement

Instant to 10 business days

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PayAlma

Claimed View provider

Swapper Finance

Direct DeFi deposits and Web3 onboarding

Claimed View provider

Stable Mint

Businesses in the EU/EEA and supported third countries that want to collect, hold, convert and pay out EUR/USD via regulated stablecoins alongside SEPA/SWIFT rails, especially for cross-border trade, platforms and marketplace/payroll payouts.

Monerium

Chainalysis

Crypto compliance, sanctions screening, and blockchain investigations

Railor

Businesses with complex structures, cross-border flows and higher-risk profiles, such as iGaming, forex, crypto-native firms, e-commerce, service providers and startups, that want an EU EMI business account with a dedicated manager.

baas +3

Fees

Account fees (Low / Medium / High risk): Setup (one-time, per company) FREE / €500 / €1,000; Monthly Maintenance FREE / €100 / €200; Minimum Account Balance €0 / €500 / €500; Additional Account Opening (3rd+ Account) FREE / €100 / €200; Additional User Fee (2nd+ User) FREE / €25 / €50. Payments: SEPA Incoming FREE / 0.15% min. €15 / 0.30% min. €20; SEPA Outgoing 0.10% min. €5 / 0.15% min. €15 / 0.30% min. €20; SWIFT Incoming 0.10% min. €40 / 0.15% min. €40 / 0.30% min. €40; SWIFT Outgoing 0.30% min. €40 / 0.40% min. €40 / 0.60% min. €40; Outgoing Urgent (Additional Fee) €30 / €35 / €40; Internal Transfer FREE / 0.05% min. €10 / 0.10% min. €20. FX: EUR ⇄ USD From 0.25%; Major Currencies From 0.40%; Exotic Currencies From 0.70%. Crypto On/Off Ramp Fiat ⇄ Crypto 0.50% min. €50 / 0.75% min. €75 / 1.00% min. €100. Service fees: Transfer Trace €100; Aggregation Transfer Lookup €50; Account Closing €250; Enhanced Due Diligence (EDD) €500; Express Onboarding €1,000.

Settlement

Varies

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Zero Hash

Enterprise Crypto Infrastructure

Bitso

LATAM Crypto Payments

crypto

Fees

From 0.1% trading fee

HesabPay

Afghan remittances and digital payments

crypto +1

Fees

0.5-2% for transactions

Riva

Januar

EEA-based crypto companies and platforms that need crypto-friendly business IBAN accounts, embedded accounts for their own customers, or integrated crypto trading and custody.

Wyre

Crypto Payment Rails

crypto

Fees

From 0.25% per transaction

Lightspark Payments Europe

Fintechs, neobanks, wallets, exchanges and card programs that want to embed crypto and fiat accounts, cards and transfers through an API without holding their own licences.

Mercuryo

Crypto Payment Gateway

crypto

Fees

1-3.95% depending on method

Orbital

Businesses that need to accept stablecoin or exotic-currency pay-ins and send cross-border payouts, especially those moving money to and from emerging markets.

Afrex

African businesses, fintechs and institutions that need stablecoin (USDT/USDC) on/off-ramps, OTC liquidity or cross-border settlement between African and global markets.

crypto +1

Fees

Afrex offers competitive transaction fees starting from 0.5%, significantly lower than traditional banking methods.

Settlement

Near-instant

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Copper.co

Institutional digital asset custody and off-exchange settlement

Andaria

Platforms, fintechs and other businesses that want to embed accounts or launch branded debit/prepaid card programmes under a licensed EMI in the UK and EU, or that need a multi-currency business account with crypto access.

Yaspa

STOKR

Asset managers, fund issuers and financial institutions in the EU that want to issue tokenized securities and handle the crypto/stablecoin payment leg for subscriptions, redemptions and distributions.

Bridge

Fintechs, crypto platforms and other businesses that want an API to move, accept, hold, issue or spend stablecoins and convert between fiat and stablecoins for cross-border payments and payouts.

BCB Group

Crypto and digital-asset businesses, such as exchanges, liquidity providers, market makers, funds and payment processors, that need regulated fiat payment accounts and instant settlement.