Web3 companies are at the heart of financial and technological innovation, but they often face a harsh reality: traditional banks are hesitant to support them. Whether it’s due to compliance fears, a lack of regulatory clarity, or concerns over perceived risk, companies building in the decentralized space frequently struggle to find reliable fiat rails.
That’s where Monetum steps in. As a crypto-friendly, regulated financial partner, Monetum helps Web3 ventures seamlessly bridge the gap between digital assets and euros—enabling faster growth and easier access to global markets.
The Challenge: No Fiat, No Growth
One blockchain infrastructure provider reached out to Monetum after being rejected by several banks. Their roadblocks included:
- Inability to open EUR business accounts, which blocked payroll, tax payments, and vendor transactions.
- No access to reliable on/off ramps, complicating client invoicing and treasury operations.
- Overreliance on unstable third-party payment processors with high fees and unpredictable service.
- Compliance issues, with providers unsure how to classify or onboard them.
Without a euro account, the company risked missing out on deals with European partners and being excluded from mainstream financial services.
The Monetum Solution: Crypto to Euro, Seamlessly
Monetum offered a compliant, fast, and secure financial hub tailored to the Web3 company’s operational and regulatory needs:
- Instant EUR IBAN account creation, giving the company banking-grade access to SEPA payments.
- On-chain crypto wallets integrated within the same dashboard—for BTC, ETH, and USDT.
- Buy and sell crypto functionality, allowing the team to convert client payments into stable EUR.
- Open Banking tools, letting EU clients pay invoices directly from their bank accounts.
- Personalized onboarding, with dedicated compliance support and flexible documentation review.
With Monetum, the Web3 team could finally operate confidently in both the fiat and crypto ecosystems.
The Impact: Operational Freedom and Market Access
- 80% reduction in conversion costs, thanks to lower FX fees and instant exchange.
- 24-hour turnaround for onboarding, compared to weeks with traditional banks.
- Compliance peace of mind, with full Swiss/EU regulatory coverage.
- Expanded customer base, including European businesses preferring fiat invoicing.
Now, the company manages its crypto treasury, pays salaries in EUR, and grows without friction or delay.
Why It Matters
As MiCA regulations begin reshaping the European crypto landscape, Web3 companies need trustworthy, regulated partners who understand the industry’s challenges. Monetum is designed to give crypto-native entrepreneurs the financial tools and flexibility they need to succeed.
