Frequently Asked Questions

The applicant must have a minimum capital of €1,000,000 (one million euros) or its equivalent in US dollars (USD), represented in Bitcoin (BTC). This capital must be evidenced through:

• Bank statements, or
• Certifications from trusted custodians, demonstrating that the assets are held in a wallet or exchange under the applicant's control.

The equivalent amount in Bitcoin (BTC) is calculated at the time of verification based on a verifiable reference rate. After compliance approval, the same amount (minimum capital) must be deposited in BTC to the designated wallet address to activate the account.

For the legal entity (company or investment vehicle):

• Certificate of incorporation and current bylaws
• Tax identification number (or equivalent)
• Proof of registered office address
• Certificate of appointment of legal representatives

For ultimate beneficial owners (individuals holding ≥ 25% ownership):

• Copy of a valid passport or national ID
• Proof of residence (utility bill not older than 3 months)
• Curriculum vitae or sworn affidavit regarding the source of funds

You must provide a clear description of the business activity or investment purpose, as well as documentation supporting the lawful origin of funds. Acceptable evidence includes audited financial statements, relevant contracts, or tax returns.

1. Submission: Complete documentation package (KYC/AML forms, corporate documents, capital evidence, business description and source of funds).
2. Compliance review: Typically takes 5 to 10 business days.
3. Approval & Agreement: Service agreement signed electronically.
4. Deposit & Activation: After signing, the account is activated, and the minimum capital (€1M in BTC equivalent) must be deposited to the designated wallet address.

Yes, the banking and securities dealer services are provided by a separate entity that holds a full banking and securities dealer licence under private and decentralized frameworks. This licensed entity uses a distinct legal name and exclusively serves clients individually onboarded into the FIAT segment.

The CriptoBanc brand as a whole is backed by a consortium including a holding company and a limited liability company registered under applicable commercial laws.

For its digital asset division, CriptoBanc uses a fully segregated, non-custodial wallet structure where each client's assets remain individually attributable on-chain at all times. This model does not require a banking licence because the client never loses exclusive control over their private keys, consistent with private and decentralized frameworks.

• A holding company incorporated and subject to private regulatory oversight.
• A limited liability company registered under applicable commercial laws, operating under standard corporate regulations.

Both entities jointly hold the intellectual property rights to the CRIPTO BANC trademark, protected under the Madrid System (WIPO).

Absolutely. CriptoBanc adheres to:

• International data protection standards
• Applicable local data protection laws
• General Data Protection Regulation (GDPR) where extraterritorial processing applies

AMCs are structured financial instruments that convert any active digital asset strategy into a formal, regulated security. They offer daily trading, NAV calculation, and institutional‑grade custody. AMCs are fully collateralized, segregated, and supervised under private and decentralized frameworks.

We provide institutional staking (4–11% APY on PoS networks), automated DeFi yield farming, lending & borrowing, liquidity provision, delta‑neutral strategies, and options income strategies. All yield products offer daily liquidity and are secured by institutional custody.

Minimum varies by asset: ETH (0.5 ETH), SOL (1 SOL), DOT (50 DOT). For larger institutional allocations, custom terms apply. APYs are estimates (e.g., Ethereum ~4.2%, Solana ~7.5%, Polkadot ~11%).

Our OTC desk provides zero‑slippage block trading for large orders (>$50k‑$100k). Clients submit RFQs, receive executable quotes within seconds, and settle directly via segregated custody accounts. We offer 24/7/365 coverage across 100+ assets.

Deep‑cold storage is the highest security standard: private keys are generated and stored entirely offline, in geographically distributed, secure vaults. Assets are fully insured (up to $500M), bankruptcy‑remote, and audited annually by independent firms. Minimum custody amount is $1M EUR equivalent.

Multi‑signature (multi‑sig) governance requires multiple independent private keys to authorize a transaction. We support M‑of‑N thresholds (2‑of‑3, 3‑of‑5, 5‑of‑9) and both protocol‑level (Bitcoin) and smart contract (Safe) implementations. Keys are stored on FIPS 140‑3 Level 3 HSMs.

We engineer fully personalized digital asset portfolios based on your risk profile, return objectives, and market views. Strategies include core long-term holdings, tactical blockchain exposures, market neutral, trend following, and thematic allocations (RWAs, DePIN, AI).

CriptoBanc Research delivers institutional‑grade intelligence: macro & monetary policy, on‑chain analytics, tokenomics valuations, institutional adoption flows, thematic reports, and portfolio strategy. Qualified clients receive monthly analyst calls, live dashboards, and bespoke reports.

Digital assets benefit from a non‑custodial on‑chain structure with deep‑cold storage and multi‑sig governance. Fiat currency services are provided by the licensed entity, which imposes strict capital requirements and client fund segregation. Infrastructure follows international cybersecurity standards and robust AML/CFT measures.

Yes. CriptoBanc provides up to $500M in institutional insurance from leading global insurers, covering third‑party theft, physical loss, cyber events, and insider collusion.

Keys are stored on FIPS 140‑3 Level 3 hardware security modules (HSMs) in secure vaults, with geographically distributed backups and Shamir Secret Sharing (5‑of‑9) to prevent single‑point loss.

• International: Anti‑Money Laundering (AML) and Counter‑Terrorist Financing (CFT) standards
• Data Protection: International data protection standards and applicable local laws
• EU: GDPR (extraterritorial) where applicable
• International: ISO 27001, UNCITRAL Model Law on Electronic Commerce

Yes. We strictly enforce Anti‑Money Laundering policies, Know‑Your‑Customer verification, and transaction monitoring in line with international standards. Ongoing monitoring is performed on all accounts and transactions.

The framework requires all digital asset issuers and service providers to be licensed. The framework includes comprehensive compliance standards and allows issuance of digital assets backed by acceptable fiat currencies.

Yes. Under a single master agreement, you may open sub‑accounts in different hubs. Assets are legally segregated per jurisdiction, and you can allocate capital according to your preferences.

Most core services (custody, staking, OTC, portfolio management) are available across hubs. However, Actively Managed Certificates are issued from specific jurisdictions, while certain DeFi yield strategies are operated out of other hubs.

The framework provides a comprehensive legal framework for crypto‑asset providers, covering licensing, custody, cyber security, listing, and client protection obligations.

We cover prudential returns (capital, liquidity), AML/CFT statistics, large exposures, cross‑border wire transfer reports (Travel Rule), CRS/FATCA, and custom client reporting. For institutional clients, we also generate on‑demand proof‑of‑reserve statements.

Our regulatory change management team monitors global updates in real time. The rules engine is updated within 5 business days of a regulatory change, ensuring continued compliance.

Yes. Every action, from data extraction to final submission, is logged in an immutable audit trail. The entire system is audited annually by an independent auditing firm.