Web3 & digital asset companies
Protocols, studios and startups holding part of their treasury in digital assets while paying salaries, suppliers and running costs in euro.
Kleos Business
Your company account for euro and digital assets.
A corporate vIBAN in your company's name, SEPA transfers in and out, and digital asset conversions settled straight into the business balance. All from one platform.
Online application. Subject to KYB verification and compliance approval.
- Company wallet
- Kleos business account
- SEPA payments
- Corporate euro vIBAN
- SEPA in & out
- Digital asset conversions
- On & off ramp
Who it's for
Built for companies that move euro and digital assets.
If your business earns, holds or pays in digital assets, or simply needs a euro account that speaks the same language, the Kleos business account is built for you.
E-commerce & marketplaces
Online businesses collecting payments across Europe that want settlement, payouts and conversions handled in a single account.
Agencies & professional services
Consultancies, studios and service firms invoicing clients abroad, including those who prefer to be paid in digital assets.
Import, export & international suppliers
Companies paying suppliers and partners outside their home market with euro transfers across the SEPA area.
Holdings & investment vehicles
Holding companies and SPVs that need a clean, auditable account to manage euro balances and digital asset positions.
Startups & SMEs
Young companies that want a business account opened online, without a branch appointment and without paperwork sent by post.
Available to companies incorporated in the EEA. Onboarding is subject to KYB verification and compliance approval; certain activities, sectors and jurisdictions cannot be accepted.
What you can do
One business account, four core operations.
Corporate vIBAN
A dedicated euro account with a virtual IBAN (vIBAN) in your company's legal name. Receive payments from clients, pay suppliers and keep your operating balance in one place.
- Account held in the company's legal name
- Euro balance available to the whole business
- Every incoming transfer traceable to its payer
SEPA transfers
Send and receive euro across the SEPA area, from a single supplier payment to your regular outgoing run.
- SEPA credit transfers, send and receive
- Beneficiaries saved for repeat payments
- Full transfer history and statements
Digital asset conversions
Convert between euro and supported digital assets inside the account, at a rate quoted before you confirm.
- Rate shown before you confirm
- Executed against the company balance
- Every conversion recorded for accounting
On & off ramp
Bring digital assets into the company account and settle it in euro, or convert euro and withdraw to a company wallet you control.
- Fund the account from an external wallet
- Off-ramp into the company's euro balance
- Withdrawals to the addresses you approve
How to open it
From application to live account, in four steps.
Approval times depend on how complete your documents are and how complex the ownership structure is.
Start your application-
Start the application
Open the business platform and tell us about the company: legal name, registration number, activity and the volumes you expect to move.
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Upload your KYB documents
Certificate of incorporation, articles of association and ownership structure, plus ID and proof of address for directors and beneficial owners.
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Compliance review
Our team and our regulated partners review the file. We may come back with questions on the ownership structure or the source of funds.
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Your account goes live
Once approved, your corporate vIBAN is issued: you can receive transfers, send SEPA payments and convert digital assets straight away.
Fees
Business fees
Business
Account
- Account opening
- Monthly account fee
- Corporate vIBAN issuance
- Free
- Free
- Free
Account
Business Account opening Free Monthly account fee Free Corporate vIBAN issuance Free
Transfers
- SEPA transfer (send)
- SEPA transfer (receive)
- €1.50
- Free
Transfers
Business SEPA transfer (send) €1.50 SEPA transfer (receive) Free
Digital assets
- Digital asset conversion (buy / sell)
- Digital asset deposit (on-ramp)
- Digital asset withdrawal (off-ramp)
- 2%
- Free
- €0.50
Digital assets
Business Digital asset conversion (buy / sell) 2% Digital asset deposit (on-ramp) Free Digital asset withdrawal (off-ramp) €0.50
Business FAQ
Questions companies ask before applying.
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Companies incorporated in the EEA, with a clear ownership structure and an activity we are able to support. Every application goes through KYB verification and compliance approval, and not every sector or jurisdiction can be accepted.
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Usually the certificate of incorporation, the articles of association, a document showing the ownership structure, plus ID and proof of address for directors and beneficial owners. Depending on your activity we may ask for additional information, such as the source of funds.
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It depends on how complete your documents are and how complex the ownership structure is. A complete file with a simple structure moves faster; files that need additional checks take longer. You are kept updated through the platform.
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Yes. You can fund the account from an external wallet and settle the amount in euro on the company balance, or convert euro and withdraw to an address your company controls.
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No. Kleos is a financial technology company, not a bank. Regulated financial services, including payment accounts and fiat on/off-ramp services, are provided by regulated third-party partners where required.
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No. The business account is opened and managed on the Kleos business platform, which is separate from the Kleos app for individuals. A business account is not created from a personal one.
Ready to open your business account?
Start the application on the Kleos business platform, or log in if your company already has an account.