Fiat Banking
Multi-currency accounts in EUR, USD, GBP, CHF, and AED with SEPA, SWIFT, FPS, and ACH.
The new standard in digital private banking
One bank for every asset class.
Store fiat and digital assets in one secure account.
Move capital globally. Borrow without selling. Earn on idle balances. Access modern private banking built for a new generation of wealth.
Private banking? Speak to a relationship manager
Built for founders, investors, institutions, and modern wealth. The Vision Bank is where traditional finance meets digital capital.
$4.2B+
Assets processed
$850M+
Loans originated
180+
Countries supported
99.99%
Platform uptime
24/7
Global markets
Product suite
Everything you expect from a bank — and everything you expect from crypto.
Crypto Wallets
Store, receive, and withdraw BTC, ETH, USDT, USDC and other major digital assets across networks.
Instant Exchange
Convert fiat to crypto and back with deep liquidity and institutional execution.
Crypto-Backed Loans
Borrow against BTC, ETH, and stablecoin holdings without selling your assets.
Earn Accounts
Generate passive yield on eligible digital assets through institutional-grade earn products.
Staking
Stake supported proof-of-stake assets and receive rewards directly into your account.
Savings Accounts
Earn interest on fiat and stablecoin balances with flexible or fixed-term products.
OTC & Treasury
High-volume execution, treasury management, and bespoke liquidity for HNW clients and institutions.
Why Vision Bank
A different category of bank.
We aren't another exchange and we aren't a legacy bank. The Vision Bank combines regulated banking infrastructure with institutional digital asset capability — under one account, one statement, one relationship.
Banking and crypto in one ledger
Borrow without forced liquidation
Private banking service standard
Institutional-grade custody
Deep OTC liquidity
Dedicated relationship managers
Lending & credit
Unlock liquidity without selling.
Borrow against your digital assets with transparent terms and institutional execution.
Up to 90%
LTV against eligible collateral
From 1.86% APR
for qualified clients
Instant
approvals on standard facilities
Use funds for
- Real estate purchases
- Business expansion
- Portfolio leverage
- Tax-efficient liquidity
Loan benefits
- Instant collateral valuation
- Flexible repayment terms
- No forced liquidation until margin thresholds
- Multi-asset collateral baskets
Investment risk: Crypto-backed loans involve risk of collateral liquidation if asset values fall. Borrowing increases your exposure to market volatility. Interest rates are variable and subject to change. Lending products are not covered by deposit protection schemes. Ensure you understand the risks before pledging assets as collateral.
Earn & staking
Put idle capital to work.
Generate yield on fiat and digital assets through institutional-grade products.
Up to 12% APY
on eligible digital assets
Daily
reward accrual
Flexible
and fixed-term options
Auto-compound
on supported assets
Yield rates depend on asset, product, market conditions, and client tier. Earn products are subject to eligibility and jurisdiction.
Investment risk: Earn and staking products are not savings accounts and are not covered by deposit protection. Returns are not guaranteed and may be lower than projected or negative. Digital assets are high-risk investments. You should not invest more than you can afford to lose.
Cards & payments
Spend anywhere. Settle from any balance.
Vision Bank cards let you spend fiat or crypto at point of sale, online, and abroad — settled in real time from the balance you choose.
Virtual cards
Instant issuance for online and in-app spending.
Physical metal card
Premium tier card with metal finish and travel benefits.
Apple Pay & Google Pay
Add to your wallet in seconds and tap to pay.
Global ATM access
Withdraw cash worldwide with competitive FX.
Security & custody
Your assets secured to institutional standards.
Assets are safeguarded with regulated custody partners. Crime and custodial insurance coverage is available for eligible assets, subject to policy terms.
- Majority of digital assets held in offline cold storage
- Multi-signature authorization for sensitive transfers
- 24/7 transaction monitoring and fraud detection
- Device management and withdrawal whitelisting
- 2-factor authentication and biometric access
- Full compliance, KYC, AML, and audit logging
Account tiers
Banking that scales with your wealth.
Essential
For individuals entering digital banking.
- Multi-currency banking
- Spot exchange
- Virtual card
- Standard support
Premium
For active investors needing higher limits and yield products.
- Earn & staking
- Crypto-backed lending
- Higher transaction limits
- Metal card
Private
For HNW individuals, family offices, and institutions.
- Dedicated relationship manager
- OTC desk access
- Bespoke credit structures
- Treasury services
Transparent pricing
No hidden fees. No surprise spreads.
We publish what we charge. Pricing scales with tier and volume — never with opacity.
No hidden FX spreads
Live institutional rates with disclosed mark-up.
No surprise withdrawal fees
Fees are shown before you confirm — every time.
Institutional execution
Tight spreads from deep aggregated liquidity.
Competitive lending rates
Published rate cards by collateral and tier.
Get started in 3 steps
From application to active in a single afternoon.
01
Open your account
Complete onboarding and identity verification online — typically in minutes.
02
Fund your account
Deposit fiat by SEPA, SWIFT, Fedwire, ACH, or FPS — or transfer in crypto.
03
Start banking
Trade, earn, borrow, spend, and manage wealth globally from one account.
As featured in
Bloomberg
Forbes
CoinDesk
Financial Times
Private banking
For high-net-worth individuals and institutions.
The Vision Bank offers bespoke treasury solutions, OTC execution, dedicated relationship managers, and custom lending structures for clients managing significant capital.
Open your account
A bank that holds everything.
Fiat. Crypto. Lending. Yield. Cards. One account. Open in minutes — fully verified, safeguarded with regulated custody partners.
By opening an account you confirm that you understand crypto assets are high-risk investments not covered by deposit protection, and that you have read our Risk Disclosure, Terms & Conditions, and Privacy Policy.