{"license":"CC-BY-4.0","licenseUrl":"https://creativecommons.org/licenses/by/4.0/","attribution":"ChainChoice (https://chainchoice.io)","category":"business_banking","evidenceReadAt":"2026-09-28","generatedAt":"2026-11-12","criteria":[{"id":"deposit_guarantee_reach","label":"If they fail, is my company's money a guaranteed deposit or an IOU — and would they even open the account for me?","weight":32},{"id":"published_crypto_perimeter","label":"Have they said in writing which crypto businesses they take — and have they thrown one out before?","weight":30},{"id":"closure_notice_and_freeze","label":"How much warning do I get before the account closes, and who can freeze it in the meantime?","weight":22},{"id":"licence_identity_resolvable","label":"Whose licence am I actually relying on, and can I look up the number myself?","weight":16}],"providers":{"mercury":{"deposit_guarantee_reach":{"s":4,"q":"Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. | FDIC deposit insurance covers the failure of an insured bank.","u":"https://mercury.com/legal/disclosures/business-banking","d":"2026-09-28"},"published_crypto_perimeter":{"s":8,"q":"We support thousands of crypto and web3 startups, DAOs, and funds. However, we do not currently support Money Services Businesses or exchanges. | We don't have express restrictions on buying crypto through your Mercury account.","u":"https://mercury.com/web3","d":"2026-09-28"},"closure_notice_and_freeze":{"s":4,"q":"We may terminate this Agreement, or suspend your Account, at Mercury's discretion or as provided in the Provider Account Agreements. We will provide notice of termination or suspension to the extent permitted by applicable law.","u":"https://mercury.com/legal/terms","d":"2026-09-28"},"licence_identity_resolvable":{"s":3,"q":"Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.","u":"https://mercury.com/legal/disclosures/business-banking","d":"2026-09-28"}},"meow":{"deposit_guarantee_reach":{"s":4,"q":"Meow Technologies is a financial technology company, not a bank or FDIC-insured depository institution. Banking services are provided by Cross River Bank and Grasshopper Bank, N.A.; Members FDIC.","u":"https://www.meow.com/crypto","d":"2026-09-28"},"published_crypto_perimeter":{"s":7,"q":"Yes. Meow supports crypto companies including exchanges, DeFi protocols, wallets, custody providers, and token issuers.","u":"https://www.meow.com/faq","d":"2026-09-28"},"closure_notice_and_freeze":{"s":3,"q":"MTI may, at its sole discretion, terminate these Terms or your account on the Service, or suspend or terminate your access to or use of the Service, including to send or receive international wire transfers, at any time for any reason or no reason, with or without notice, and without any liability…","u":"https://www.meow.com/legal/terms-of-service","d":"2026-09-28"},"licence_identity_resolvable":{"s":3,"q":"The Service is owned and operated by MTI, but all regulated financial services are provided by partner Banks or other regulated third party partners","u":"https://www.meow.com/legal/terms-of-service","d":"2026-09-28"}},"column_na":{"deposit_guarantee_reach":{"s":6,"q":"The standard maximum FDIC (Federal Deposit Insurance Corporation) insurance coverage amount for deposits is $250,000, per depositor, per insured financial institution, for each ownership category.","u":"https://column.com/protected-deposits/","d":"2026-09-28"},"published_crypto_perimeter":{"s":5,"q":"Bank native stablecoins | Other stablecoin orchestrators wrap legacy banks - so your \"instant\" transfers still wait on wire windows and prefunded balances. | USDC and USDT across Solana, Ethereum, and other major chains - on-ramps, wallets, off-ramps, pay-ins, and payouts.","u":"https://column.com/stablecoins/","d":"2026-09-28"},"closure_notice_and_freeze":{"s":2,"q":"Bank may, without liability to you or any third party, immediately deactivate or delete your user name, password, and account, and all associated materials, without any obligation to provide any further access to such materials.","u":"https://column.com/legal/api-terms-of-service/","d":"2026-09-28"},"licence_identity_resolvable":{"s":4,"q":"Column NA Member FDIC","u":"https://column.com/","d":"2026-09-28"}},"bank_frick":{"deposit_guarantee_reach":{"s":6,"q":"Limit of protection CHF 100,000 per depositor per bank (see item 1) | In general, all retail depositors and businesses are covered by Deposit Guarantee Schemes.","u":"https://www.bankfrick.li/sites/default/files/documents/2507_EN_Depositor_Information_Template.pdf","d":"2026-09-28"},"published_crypto_perimeter":{"s":6,"q":"We offer comprehensive banking services for established companies from the blockchain and cryptocurrency sectors so that you can concentrate on your core business. | Can a crypto or blockchain company open an account at Bank Frick? | Yes, this is possible.","u":"https://www.bankfrick.li/en/services/blockchain-banking-solutions","d":"2026-09-28"},"closure_notice_and_freeze":{"s":5,"q":"Unless a specific duration or period of notice has been agreed, both the Client and the Bank may terminate the entire business relationship or parts thereof at any time without giving reasons and subject to a reasonable period of notice.","u":"https://www.bankfrick.li/sites/default/files/documents/1823_EN_general_business_conditions_including_safe_custody_regulations.pdf","d":"2026-09-28"},"licence_identity_resolvable":{"s":6,"q":"Register number: FL-0001.548.501-4, Commercial register, Vaduz, Liechtenstein","u":"https://www.bankfrick.li/en/imprint","d":"2026-09-28"}},"clear_junction":{"deposit_guarantee_reach":{"s":5,"q":"Client funds held with us are not covered by the FSCS (Financial Services Compensation Scheme) deposit guarantee. | We combine holding funds in segregated bank accounts (Cash Segregation) with investing portions in secure, liquid, low-risk assets (Asset Segregation).","u":"https://clearjunction.com/legal/safeguarding/","d":"2026-09-28"},"published_crypto_perimeter":{"s":8,"q":"A licensed exchange, brokerage or trading venue | A regulated wallet, payment or infrastructure provider serving digital asset clients | A stablecoin or tokenised-value platform operating within a clear regulatory framework | We are not the right partner for unlicensed entities, cash-heavy models…","u":"https://clearjunction.com/clients/digital-asset/","d":"2026-09-28"},"closure_notice_and_freeze":{"s":2,"q":"These Terms do not constitute a payment services agreement, e-money services agreement, or e-wallet user terms and conditions.","u":"https://clearjunction.com/legal/website-terms-of-use/","d":"2026-09-28"},"licence_identity_resolvable":{"s":6,"q":"2.5.1. Clear Junction Limited is a company registered in England and Wales (company number 10266827). Clear Junction Limited is an Electronic Money Institution authorised by the Financial Conduct Authority under Firm Reference Number (FRN) 900684.","u":"https://clearjunction.com/legal/website-terms-of-use/","d":"2026-09-28"}},"modulr":{"deposit_guarantee_reach":{"s":5,"q":"The FSCS scheme only applies to certain institutions and does not include , EMIs such as Modulr. | Modulr uses a range of leading clearing banks to safeguard funds as well as invests funds in secure liquid assets that the FCA has approved for such purposes.","u":"https://www.modulrfinance.com/uk-safeguarding-information","d":"2026-09-28"},"published_crypto_perimeter":{"s":2,"q":"Modulr reserves the right to decline services to any jurisdiction, organisation, or individual whose activities are illegal, prohibited by Modulr, or may cause Modulr reputational, regulatory, financial or operational harm.","u":"https://www.modulrfinance.com/prohibited-jurisdictions","d":"2026-09-28"},"closure_notice_and_freeze":{"s":6,"q":"We can terminate your Account at any time if we give at least three (3) months' notice and transfer any Available Balance at the time to your nominated bank account without a charge.","u":"https://www.modulrfinance.com/direct-sme-onboarding-terms-of-business-uk","d":"2026-09-28"},"licence_identity_resolvable":{"s":6,"q":"Modulr FS Limited is a company registered in England with company number 09897919 and ICO registration: ZA183098, authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number: 900573). | Modulr Finance B.V.","u":"https://www.modulrfinance.com/legal-center","d":"2026-09-28"}},"amina_bank":{"deposit_guarantee_reach":{"s":8,"q":"Deposit insurance protects the credit balances of private and corporate clients | The protection is limited to a maximum of CHF 100,000 per client and institution. Multiple accounts are added together. | Deposits at AMINA Bank AG are covered by the deposit insurance scheme.","u":"https://aminagroup.com/wp-content/uploads/2023/07/AMINA-Information-Regarding-Deposit-Insurance-04-2026.pdf","d":"2026-09-28"},"published_crypto_perimeter":{"s":5,"q":"Traditional financial institutions often can't or won't support Web3 businesses, making it difficult and costly to secure banking services. | That's where AMINA comes in.","u":"https://aminagroup.com/web3-alliance/","d":"2026-09-28"},"closure_notice_and_freeze":{"s":3,"q":"Either of the Client or AMINA is entitled to terminate the business relationship with immediate effect and to terminate or call in any credit facility approved or drawn down unless expressly agreed otherwise.","u":"https://aminagroup.com/wp-content/uploads/2025/10/20251020final_AMINA-General-Terms-and-Conditions-10-2025-en-3.pdf","d":"2026-09-28"},"licence_identity_resolvable":{"s":6,"q":"In August 2019, AMINA Bank AG received the Swiss Banking and Securities Dealer License from the Swiss Financial Market Supervisory Authority (\"FINMA\").","u":"https://aminagroup.com/press/amina-becomes-the-first-crypto-banking-group-to-receive-a-mica-license-through-its-austrian-subsidiary/","d":"2026-09-28"}},"brex":{"deposit_guarantee_reach":{"s":5,"q":"The Brex business account consists of Checking, a commercial checking account provided by Column N.A., Member FDIC (an unaffiliated institution), and Treasury and Vault, cash management services provided by Brex Treasury LLC, Member FINRA / SIPC and a Capital One company.","u":"https://www.brex.com/legal/brex-cash-partner-banks","d":"2026-09-28"},"published_crypto_perimeter":{"s":4,"q":"Use of your Account is subject to Servicer's prohibited and restricted activities available at https://www.brex.com/legal/prohibited-restricted-activities.","u":"https://www.brex.com/legal/column-dda-agreement","d":"2026-09-28"},"closure_notice_and_freeze":{"s":4,"q":"Bank may cancel or suspend your Account or this Agreement at any time. You may cancel this Agreement by contacting Servicer to close your Account.","u":"https://www.brex.com/legal/column-dda-agreement","d":"2026-09-28"},"licence_identity_resolvable":{"s":6,"q":"Certain services offered by Brex LLC may be provided by Brex Payments LLC (NMLS #2035354). Brex Payments LLC is a licensed money transmitter and a wholly owned subsidiary of Brex LLC, and both are Capital One, N.A. companies.","u":"https://www.brex.com/legal/state-disclosures.md","d":"2026-09-28"}}}}