Dedicated IBANs & EMI accounts that stay open
Approved processing is worthless if the money can't land anywhere. We place high-risk merchants with Banking-as-a-Service and EMI partners for dedicated IBANs, named safeguarding and embedded finance — the banking layer that FX, crypto, iGaming and adult businesses are constantly denied by traditional banks.
When your bank says no, the work starts
Most FX, crypto, iGaming and adult businesses don't lose their banking because they did something wrong. They lose it because a policy changed upstream and the whole sector was de-risked overnight. Licensed e-money institutions fill that gap — if you know which ones will say yes.
- High-street banks exit whole sectors at once — with 30 days' notice if you're lucky
- EMI appetite varies wildly between institutions, and shifts quarter to quarter
- Pooled IBANs fail name checks and turn reconciliation into guesswork once volume grows
- Acquirer settlement has to land somewhere a compliance team won't freeze
- One account is a single point of failure — serious operators run a backup
What we place
Dedicated IBANs
Named IBANs in your company's name for sending and receiving funds.
EMI & safeguarding
Licensed EMI partners with named safeguarding of funds.
Multi-currency accounts
Hold and convert across currencies to cut cross-border cost.
Embedded finance
Offer accounts, cards or IBANs to your own customers via API.
The banking layer around your payments
From a single dedicated IBAN to a full embedded-finance programme, matched to your risk profile.
Dedicated IBAN accounts
Company-named IBANs from EMIs that accept high-risk verticals.
Safeguarding & segregation
Named safeguarding accounts that protect settlement and client funds.
Card issuing
Physical and virtual card programmes via BaaS partners.
Multi-currency & FX
Hold, receive and convert in multiple currencies at competitive rates.
Embedded finance / API
Offer IBANs, wallets and cards to your users through provider APIs.
Payments-to-banking bridge
Connect your acquiring settlement straight into usable accounts.
Why high-risk operators bank through us
Right provider, first time
We only introduce EMIs and banking partners whose underwriting is proven to approve your sector — no wasted applications.
Built-in redundancy
Multi-acquirer routing so a single MID review or closure never takes your revenue offline.
Fast, warm introductions
Direct lines to decision-makers. Most banking clients get first introductions within 24–72 hours.
What providers actually ask for
Nine applications out of ten don't fail on the business model. They fail on preparation.
The file every EMI wants to see
- Incorporation documents and the ownership chain, down to named individuals
- Directors' and UBOs' ID and proof of address
- Licences or registrations, wherever your activity needs them
- Six months of processing or bank statements, if they exist
- A plain-English description of your flows: who pays you, from where, and where the money goes
Compliance teams approve what they can understand quickly. An application that answers the obvious questions before they're asked moves through underwriting in days; one that makes the analyst dig gets parked, and parked applications rarely come back.
Part of what we do before any introduction is get this file straight — so the first impression your business makes on a provider is the one that gets approved. It's dull work. It's also usually the difference.
Dedicated IBANs & EMI accounts — your questions
What's the difference between a dedicated and a pooled IBAN?
A dedicated IBAN is issued in your company's name — money you receive lands in an account that belongs to you. A pooled IBAN belongs to the provider, and your funds sit in a shared client account tagged with a reference. Pooled setups are cheaper, but they fail name checks when a sender's bank verifies the receiving account, and they are the first thing an acquirer or auditor queries. Past a certain volume we place dedicated IBANs only.
Can a high-risk business really get an EMI account?
Yes. E-money institutions are licensed and regulated, and a good number of them built their whole business on the sectors high-street banks walked away from. The catch is that appetite varies enormously between institutions and shifts quarter to quarter. Applying blind wastes weeks — we send your profile to the EMIs we know are approving your sector right now.
What documents will I need?
Corporate documents including your ownership structure down to the actual people, directors' ID, licences where your activity requires one, processing or banking history if you have it, and a clear written picture of your flows — who pays you, from where, and where the money goes next. Well-prepared applications get approved in days. Vague ones sit in compliance queues until they die.
What is safeguarding, and should I care?
Safeguarding means the institution keeps client funds in segregated accounts, separate from its own money, so your balance is protected if the provider itself fails. If you hold material sums with an EMI, this matters more than the fee schedule does. We only introduce licensed institutions, and we can tell you how each one handles segregation before you apply.
How fast can an account be open?
Introductions normally go out within 24 to 72 hours. From there, a clean application with a well-matched provider is typically live in one to three weeks, depending on the jurisdiction and how quickly you turn documents around.
Get the banking layer high-risk merchants are denied.
Tell us what you need to hold and move — dedicated IBANs, EMI accounts, multi-currency or embedded finance. We'll match you with a licensed institution that says yes.