Web3 companies are known for building the future—but too often, they’re held back by a past that refuses to evolve: traditional banking infrastructure. Whether it’s setting up fiat accounts, managing crypto liquidity, or sending customer payouts, the struggle is real. If you’ve ever had a bank freeze your account because of crypto exposure or faced delays converting stablecoins to euros, you’re not alone.
One of the most critical pain points is simply getting access to a reliable business account. Many Web3 companies find themselves rejected by both traditional banks and neobanks alike. Despite having legal operations and a growing client base, they face vague justifications like “risk appetite” or “policy mismatch”. Worse still, some get onboarded only to be suddenly blocked or offboarded later—leaving them without warning or recourse.
These unpredictable disruptions don’t just cause operational headaches—they erode trust with clients, stall growth, and force founders to spend more time on admin than innovation.
Fortunately, a new generation of fintech platforms is changing that.
With the emergence of crypto-friendly, regulation-aware financial infrastructure, Web3 businesses now have access to banking-like services designed specifically for their operational needs. These tools combine fiat and crypto features, offer regulatory compliance, and support API integrations—all critical to thriving in a decentralized economy.
Among these platforms, Monetum stands out for its open-minded approach and commitment to regulatory clarity. Monetum offers euro IBANs, SEPA payments, private crypto wallets, and API access—all tailored to Web3 businesses that need fast, secure, and compliant financial operations.
And some of these platforms are doing compliance the right way—by being rigorous and transparent from the beginning. Instead of vague promises or inconsistent reviews, they offer clear onboarding processes, proper AML/KYC frameworks, and long-term relationships built on shared understanding of the Web3 space. This makes a real difference: fewer account closures, faster resolutions, and peace of mind that your operations won’t be disrupted overnight.
The Web3 Banking Pain Points
From DeFi builders to NFT platforms, Web3 businesses run into the same frustrating limitations:
- Banking rejection or de-risking: Traditional banks often reject or close accounts for Web3 companies, citing compliance concerns.
- Fintech limitations: Many new fintechs also block crypto-related businesses after onboarding, especially when pressure from partners or regulators increases.
- Fragmented operations: One provider for IBANs, another for crypto wallets, a third for payroll. Managing it all is slow and error-prone.
- Lack of euro-native services: Many crypto firms struggle to find seamless euro-based settlement tools, especially without SWIFT.
- Crypto-to-fiat conversion friction: Getting crypto revenue into usable business euros involves delays, bad rates, and manual steps.
These aren’t small inconveniences—they affect growth, fundraising, trust, and cash flow.
Furthermore, many Web3 companies are global by design. They work with contributors and clients across continents, manage DAO treasuries, or pay developers in stablecoins. Yet without the right financial rails, they are stuck trying to reconcile fast-moving digital money with slow, analogue banking systems. The result? Wasted time, lost opportunities, and constant friction.
Platforms like Monetum offer a structured solution to these problems—bringing together euro-native services and crypto capabilities in one interface, while staying compliant in both Switzerland and the EU.
Core Payment Features Web3 Businesses Actually Need
To overcome these challenges, fintech innovators are offering platforms that focus on modern payment operations tailored to the Web3 ecosystem. The most effective platforms provide:
- Euro IBAN accounts with SEPA access, eliminating the need for legacy banks.
- Integrated crypto wallets for assets like BTC, ETH, and stablecoins.
- Open banking tools that enable instant customer-to-business (C2B) payments through SEPA transfers.
- Crypto-fiat conversion features with transparent rates and minimal latency.
- Batch payments and programmable APIs for high-frequency, high-volume operations.
The goal is clear: eliminate operational silos, automate where possible, and make it easy for Web3 companies to manage both traditional and blockchain-based finances from a single dashboard. Payment efficiency is central—because in a decentralized ecosystem, the ability to move value quickly, securely, and at scale is vital. Solutions like Monetum integrate all these functions into a unified platform, helping Web3 businesses reduce complexity and increase efficiency.
Practical Applications for Web3 Teams
Consider a DeFi protocol earning fees in stablecoins, needing to pay developers, issue staking rewards, and settle vendor invoices:
- Euro payments from users can be accepted instantly via open banking.
- Crypto earnings are stored securely or converted as needed.
- Batch SEPA payouts reduce payroll overhead.
- API connections ensure automated, real-time transaction management.
For NFT marketplaces, gaming platforms, and content streaming services, similar setups allow seamless payouts to artists or contributors, instant refunds to customers, and operational oversight—all with fewer intermediaries and better transparency.
Platforms like Monetum are already enabling these types of flows, giving crypto-first companies a professional, compliant, and scalable way to operate.
Regulation is Here. Web3 Needs to Adapt.
As Europe rolls out clearer frameworks like MiCA, compliance is no longer optional. Financial platforms serving Web3 must be regulated, transparent, and built with proper AML/KYC frameworks.
This doesn’t mean sacrificing agility. The most forward-thinking platforms find the middle ground: open-minded but secure. They onboard Web3 businesses responsibly, without assuming every crypto firm is a risk.
For Web3 projects, this translates into peace of mind: fewer surprise account freezes, faster onboarding, and smoother audits. It also means avoiding potential legal issues as oversight increases across jurisdictions.
Monetum’s dual presence in the EU and Switzerland gives Web3 firms access to a stable regulatory environment without compromising speed or flexibility.
Why Integration is a Strategic Advantage
Web3 companies are lean and technical by nature. They don’t want to manage banking like it’s 1998. That’s why integration is key.
Modern financial platforms offer: – Automated API workflows for everything from payments to reporting. – Batch processing for airdrops, rewards, affiliate commissions, or payroll. – Multi-user access controls to manage team permissions and reduce internal risk.
This streamlining reduces human error, improves agility, and frees up engineering and finance teams to focus on growth.
As the Web3 ecosystem matures, it’s clear that a well-integrated financial backend is just as important as a smart contract or dApp front end.
Monetum’s API and batch features are designed specifically for these high-frequency, high-stakes use cases.
Choosing the Right Infrastructure Partner
Not all financial platforms are created equal. Web3 businesses should look for providers that offer: – Regulatory coverage in jurisdictions like Switzerland or the EU. – Flexibility to manage both fiat and crypto seamlessly. – Transparent pricing with no hidden fees. – Support teams that understand blockchain, not just banking. – A proven track record of not freezing accounts or offboarding without reason.
Monetum checks all these boxes, with a strong reputation for supporting crypto-native businesses while remaining compliant and reliable.
Whether you’re in tokenization, DeFi, content creation, or gaming, having the right financial infrastructure in place can mean the difference between scaling with confidence—or constantly fighting friction.
Web3 Deserves Better Banking Infrastructure
Web3 is changing the nature of value, ownership, and finance. But the tools that support it must evolve too. For far too long, traditional banking has been a barrier, not a bridge.
The solution isn’t to “fight the system”—it’s to build new systems that meet businesses where they are, combining the best of crypto innovation with the reliability and compliance of regulated financial tools.
Whether you’re a solo dev, a growing protocol, or a global Web3 enterprise, you need infrastructure that doesn’t just keep up—but actively supports your mission.
The future of finance is decentralized—but the rails it runs on must be built for both speed and trust.
And with Monetum, that infrastructure is already here.
