Virtual Accounts

Pay-ins and pay-outs on stablecoin-rails

Issue named bank accounts in the US and EU. Unique account numbers and IBANs for 1st and 3rd party payments anywhere.
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Fiat-to-stablecoin. Stablecoin-to-fiat.

Issue named bank accounts
EU and US bank accounts with unique IBANs or routing numbers, named to the end user.
Pay-ins on local rails
Sent locally over SEPA, ACH, RTP, Fedwire, and SWIFT. No correspondent fees or delays.
Settle in stablecoins
Fiat converts to stablecoins on receipt, then lands in the user's wallet. No fiat balances to manage or reconcile.
Pay-outs in fiat
Send from a stablecoin balance to any bank account, anywhere. Converts to fiat and routes over local rails.

One account. Every sender.

1st party payments
Users onramp into their own wallet by sending fiat from their own bank, or offramp by sending stablecoins back out to their bank. Works for users at home or abroad, on local rails.
3rd party payments
Anyone can send to the user's account, or the user can pay anyone, on local rails. Receive from employers, clients, or family. Pay contractors, vendors, or friends. Domestic or international.

Modernize money movement, globally.

Remittances

Give recipients a named US or EU bank account. Family abroad sends locally on SEPA or ACH. Funds settle as stablecoins in the recipient's wallet, instantly.

Payroll

Issue every contractor and employee a named account. Run payroll from your stablecoin treasury. Workers receive locally, in their name, with no wire fees.

Neobanks

Give every user a real US or EU bank account, anywhere they live. Receive, hold, and pay out, with stablecoin settlement under the hood.

Cross-Border B2B

Receive customer payments on SEPA in Europe and ACH in the US. Skip SWIFT fees and 3-day waits. Funds settle in your stablecoin treasury.

P2P Payments

Give every user account details they can share with friends, family, or clients. Inbound transfers convert to stablecoins on arrival. Outbound payouts run on local rails.

Trade Finance

Settle invoices across borders without correspondent banks. Suppliers receive on SEPA or ACH in their name. Buyers pay from a stablecoin treasury, instantly.

Why Crossmint

Consolidate vendors
Replace 3–5 vendors with one unified platform for end-to-end flows.
Simple APIs
Launch faster with familiar APIs — no blockchain expertise required.
KYC, your way
Send your KYC data via API, or use Crossmint's hosted flow to collect it.
Forward Deployment Engineers
Our engineers embed with your team to help you ship faster.
Compliance
Crossmint handles licensing, AML, sanctions, and travel-rule compliance for you.
Battle-tested
Trusted by leading financial institutions and global enterprises.

Best-in-class licensing and compliance

Licensed
Regulated infrastructure enabling global stablecoin operations.
Sanctions
Automated AML and wallet screening powered by Elliptic and Persona.
Travel rule
Automatically compliant transfers powered by NotaBene.
KYC data-sharing
Frictionless identity verification and compliant data exchange.
Security and governance
Audited controls aligned with SOC 2 Type II, DORA, and GDPR
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Pay-ins. Pay-outs. Anywhere.

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