FINMA-licensed Swiss bank (ex-SEBA, Zug) that actively recruits Web3 companies traditional banks refuse, publishes an esisuisse depositor sheet covering corporate clients to CHF 100,000 — and reserves the right in its own General Terms to terminate the relationship with immediate effect and freeze any account at its discretion. Strongest on “If they fail, is my company's money a guaranteed deposit or an IOU — and would they even open the account for me?” (8/10): AMINA Bank AG holds a Swiss banking licence and publishes an esisuisse sheet covering "private and corporate clients" up to CHF 100,000 per client. It sells crypto and NFT custody in the same corporate package, and the sheet does not say that digital assets fall outside the scheme. Weakest on “How much warning do I get before the account closes, and who can freeze it in the meantime?” (3/10): AMINA's General Terms let either party "terminate the business relationship with immediate effect" and let AMINA "freeze any account or Digital Asset Custody Storage" at its discretion. No provider notice period applies; the client gets only an "appropriate grace period" to name where the funds should go. Published price: READ ON https://
Fiat Rails & Banking for Crypto Businesses
Fiat rails for crypto businesses ranked on whether your money is a guaranteed deposit, whether the bank publishes which crypto businesses it accepts, how much notice you get before a closure or freeze, and whose licence you are relying on.
Ranked here: fiat rails and banking for crypto businesses, the accounts at banks and other licensed providers where a crypto company keeps its money. Not ranked here: providers already ranked as stablecoin settlement platforms or crypto neobanks, and providers that are dead or could not be confirmed live.
Show the arithmetic
How this page is reviewed
Reviewed means every product ranked on this page was read against its sources on or after that date; every ranked category is re-read at least every 45 days. Models research, extract and parse. A deterministic engine ranks. Every quote passes an adversarial refute pass.
Accountable for this review: Mathias Siemonsmeier, Founder.
How we review · Review calendar · Corrections log · How we make money
Ranked on 4 published criteria weighted 32/30/22/16, which set goal alignment — 30 of the 86 points. The rest: regional access 20, evidence depth 18 (constant here), ease of use 10 (constant here), institutional trust 8 (constant here). Profile match is shown in breakdowns but carries no weight.
- Control failure: a key or vote changes the rules, freezes or mints.Scored by How much warning do I get before the account closes, and who can freeze it in the meantime? · 22% (AMINA Bank AG 3/10, Clear Junction 2/10, Bank Frick & Co. AG 5/10)
- Insolvency failure: the firm or issuer that owes you cannot pay.Scored by If they fail, is my company's money a guaranteed deposit or an IOU — and would they even open the account for me? · 32% (AMINA Bank AG 8/10, Clear Junction 5/10, Bank Frick & Co. AG 6/10)
- Regulatory failure: no licence where you are, or a forced market exit.Scored by Have they said in writing which crypto businesses they take — and have they thrown one out before? · 30% (AMINA Bank AG 5/10, Clear Junction 8/10, Bank Frick & Co. AG 6/10)Scored by Whose licence am I actually relying on, and can I look up the number myself? · 16% (AMINA Bank AG 6/10, Clear Junction 6/10, Bank Frick & Co. AG 6/10)
What matters most before choosing in this category
Weighted on whether your money is a guaranteed deposit or an IOU (32), whether they publish which crypto businesses they take (30), how much warning you get before closure (22), and whose licence you are actually relying on (16). The first axis is where the category hides its worst surprise: the FDIC or safeguarding language on most of these sites describes a PARTNER bank's charter, not the licence of the entity on your contract. A chartered national bank in this pool scores 1 out of 10 on publishing its crypto perimeter, while a fintech holding no licence of its own scores 9 — so a bank does not win on instrument alone. Exit terms are the weakest axis in the whole pool: the ceiling is 6, the mean is 3.6, and not one publishes a named review or appeal path.
The #1 overall and the scoring weights
How this category is reviewed
Ranked on four questions: If they fail, is my company's money a guaranteed deposit or an IOU — and would they even open the account for me? Have they said in writing which crypto businesses they take — and have they thrown one out before? How much warning do I get before the account closes, and who can freeze it in the meantime? Whose licence am I actually relying on, and can I look up the number myself?