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.
Built for founders, investors, institutions, and modern wealth. The Vision Bank is where traditional finance meets digital capital.
Currencies
Hold what you actually use
Cash and digital assets side by side in one account — no juggling apps, no hidden conversions.
- USD
- EUR
- GBP
- CHF
- AED
- BTC
- ETH
- USDT
- USDC
- XAUT
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.
Services
Banking, crypto, payments and wealth services in one account
Every service The Vision Bank offers — multi-currency accounts, crypto custody, instant exchange, cards, payment links, earn, crypto-backed loans and real estate financing — running on the same balances, the same limits and the same compliance.
Banking
Multi-currency accounts
Hold euros, dollars, pounds and francs alongside your digital assets in one crypto-friendly bank account, with named IBAN details for sending and receiving international payments.
- Dedicated IBAN with SEPA and SWIFT transfers
- Balances in EUR, USD, GBP and CHF side by side
- Segregated client money at regulated banking partners
Private client & OTC desk
Large-size conversions and bespoke structures handled by a dealer rather than an order book, with settlement into your own account.
- Quoted pricing for large tickets
- Named relationship contact
- Settlement direct to your balances
Crypto & digital assets
Crypto custody
Institutional custody for Bitcoin, Ethereum, stablecoins and tokenised gold, with cold storage, multi-party computation and published proof of reserves.
- Cold storage with qualified institutional custodians
- Deposit addresses across Bitcoin and major EVM networks
- Withdrawal whitelisting and address screening
Instant exchange & swap
Convert between fiat, Bitcoin, stablecoins and tokenised gold at a locked rate, with the full fee shown before you confirm.
- Locked quote before you commit funds
- Fiat to crypto and crypto to crypto in one step
- Live deposit tracking from received to credited
TVB token
The Vision Bank token: on-chain liquidity, tiered client benefits and a treasury governed by a multi-signature Safe with published controls.
- On-chain liquidity across major pools
- Client benefit tiers tied to holdings
- Treasury actions under multi-signature control
Payments
Virtual and metal cards
Spend your fiat and crypto balances anywhere cards are accepted, with virtual cards issued instantly and spending controls you set yourself.
- Instant virtual cards for online spending
- Per-card limits, freeze and unfreeze in seconds
- Settlement from the balance you choose
Crypto payment links
Get paid in the asset you want while your customer pays with whatever they hold. Share a link and we handle conversion and settlement.
- One link, any supported paying asset
- Settlement in the currency you nominate
- Live status from pending to confirmed
TVB Pay for Telegram
Request and send payments inside Telegram with the same balances, rates and limits as the main account — no separate wallet to fund.
- Request payments from any contact
- Swap and card views inside the chat app
- Realtime status on every request
Wealth & lending
Earn on idle balances
Put idle cash, stablecoins and tokenised gold to work with flexible and fixed-term earn products, with transparent rates and daily accrual.
- Flexible terms you can exit at any time
- Fixed terms for a higher published rate
- Interest accrued and shown daily
Crypto-backed loans
Borrow against Bitcoin, Ethereum and other holdings without selling them, so your position stays intact while you access liquidity.
- Bitcoin-backed loans with published LTV bands
- No sale, so your exposure is unchanged
- Margin alerts well before any liquidation
Tiered credit lines
A revolving credit line secured by your portfolio, with tier limits and rates that improve as your collateral and account history grow.
- Draw and repay as often as you need
- Tier limits driven by pledged collateral
- Interest charged only on the drawn balance
Real estate financing
Finance and hold income-producing property alongside your banking relationship, with underwriting, contracts and rental income in the same account.
- Financing against vetted listed properties
- Digital agreements and e-signature
- Rental income credited to your account
How it works
- 01
Open your account
Register in minutes and complete identity verification once. One account covers fiat, crypto and every service below.
- 02
Fund it your way
Send a bank transfer to your own IBAN, or deposit crypto to an address issued in your name across Bitcoin and the major EVM networks.
- 03
Use every service
Convert, spend, get paid, earn or borrow from the same balances — with the rate and fee shown before you confirm.
Common questions about our services
- Can I hold euros and Bitcoin in the same account?
- Yes. A The Vision Bank account holds fiat balances in EUR, USD, GBP and CHF alongside Bitcoin, Ethereum, stablecoins and tokenised gold. You can convert between them at a locked rate without moving funds to an external exchange.
- Can I borrow against my crypto without selling it?
- Yes. Crypto-backed loans and tiered credit lines let you pledge Bitcoin, Ethereum or other supported assets as collateral and draw cash against them. Your holdings stay in custody, so your market exposure is unchanged and no disposal takes place.
- How fast are international transfers?
- SEPA payments in euro typically settle the same or next business day, and SWIFT transfers usually take one to three business days depending on the corridor. On-chain transfers settle as soon as the network confirms them, which is minutes for most assets.
- What does it cost to convert between currencies and crypto?
- Every conversion shows the exact rate and fee before you confirm, and the full schedule is published on the fees page. There are no spread mark-ups applied after a quote is locked.
- How do I know the assets are really there?
- Digital asset holdings are reconciled against on-chain wallet balances and covered by periodic proof-of-reserves attestations. Fiat balances are held on a 1:1 basis in segregated client accounts at regulated banking partners.
Why The 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
Cards & payments
Spend anywhere. Settle from any balance.
The 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.
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.
Lending & credit
Unlock liquidity without selling.
Borrow against your digital assets with transparent terms and institutional execution.
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.
Lending & credit
- LTV against eligible collateral
- Up to 90%
- for qualified clients
- From 1.86% APR
- approvals on standard facilities
- Instant
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
Trust, security & custody
Your assets secured to institutional standards.
The Vision Bank is engineered around a simple principle: client assets are never ours to lose. Balances are held with regulated custodians in segregated accounts, monitored around the clock, and independently attested. 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
Compliance & attestations
How custody, compliance, and client protection work.
- SOC 2 Type IIIndependently audited controls
- ISO 27001Information security management
- Regulated custodyQualified custodian partners
- KYC / AMLGlobal compliance program
- Proof of reservesOn-chain attestations
- Segregated accountsClient assets held 1:1
Certifications, licenses, and insurance coverage are held by The Vision Bank entities and partners in specific jurisdictions and are subject to eligibility and policy terms. Per-jurisdiction disclosures are provided at account opening.
Frequently asked
How custody, compliance, and client protection work.
Where are my assets held and who has custody?
Fiat balances are held with regulated banking partners in segregated client accounts on a 1:1 basis. Digital assets are safeguarded with qualified institutional custodians using multi-party computation and offline cold storage. The Vision Bank never commingles client assets with corporate treasury.
Are client assets insured?
Eligible digital assets held in custody are covered by crime and specie insurance policies underwritten by leading insurers, subject to policy terms and limits. Fiat deposits are held at regulated banking partners; deposit protection eligibility depends on jurisdiction and is disclosed at account opening.
How do you prove reserves and solvency?
We publish periodic proof-of-reserves attestations covering digital asset holdings, verified by independent auditors and reconciled against on-chain wallet balances. Fiat reserves are audited annually. Reports are available in the transparency section of the client dashboard.
Which standards apply to The Vision Bank?
The Vision Bank works with regulated custody and banking partners across the EU, UK, US, and UAE. Our controls are aligned with SOC 2 Type II, ISO 27001, and FATF Travel Rule requirements. Specific arrangements per jurisdiction are disclosed at account opening.
What happens to my assets if The Vision Bank ceases operations?
Client assets are legally segregated from The Vision Bank's corporate estate and are not available to general creditors. In a wind-down scenario, custodians release assets directly to identified clients under a court-supervised process. This structure is documented in our Terms and Custody Agreement.
How do you protect my account from unauthorized access?
Every account is protected by mandatory 2-factor authentication, biometric access, device binding, withdrawal address whitelisting, and behavioral fraud monitoring. Sensitive transfers require multi-signature authorization and cooling-off windows. Our security operations center monitors activity 24/7.
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.
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.