Opening a Bank Account for your Crypto Company in 2025

Opening a bank account for your crypto company in 2025 has become easier with crypto-friendly banks offering tailored services.

From compliance with KYC/AML regulations to seamless fiat-to-crypto integrations, choosing the right bank can empower your business to scale securely and efficiently.

Top options like Mercury, Revolut, and U.S. Bank provide dedicated crypto business accounts with flexible features.

Crypto-native founders and businesses can now choose from platforms built for scale and compliance, or lean on trusted traditional banks making tentative moves into crypto. 

Whether you’re a startup founder, operator, or investor, now is the time to streamline your banking, fortify compliance, and accelerate your growth.

In 2025, banking for crypto-focused businesses has never been more accessible, or more vital.

Why now?

• Regulatory shifts, notably under the current U.S. administration, are easing barriers that once led to widespread rejections for crypto business accounts, reviving hope among founders who previously felt shut out of traditional banking.

• Fintech platforms like Mercury, acting as a tech layer atop licensed partner banks, are stepping up to fill this gap with seamless, compliant offerings.   

Top-tier options to consider:

Mercury

• Recently raised $300 million, bringing its valuation to $3.5 billion, and now serves over 200,000 customers.   

• Offers fee-free U.S. dollar transactions, free domestic/international wires, and FDIC insurance via partner banks for balances up to $5 million.   

• Built-in API access, virtual cards, and robust digital cash management tools make it a standout for startups.

Revolut Business

• Now serving over 60 million users globally, including many business clients across 48+ countries.

• Supports crypto trading in-app (Bitcoin, Ethereum, and 230+ tokens), multi-currency accounts, and offers automatic expense management, QR-based payments, and stronger in-app security in its 2025 spring rollout.   

• Recognized for user satisfaction and streamlined onboarding, open an account in as little as 10 minutes.   

U.S. Bank (and other major players)

• While not crypto-native, U.S. Bank offers comprehensive business checking with fraud protection, business dashboards, and tools for managing money movement and cash flow.

• PNC Bank is also entering the scene via a new partnership with Coinbase, signaling growing acceptance from traditional institutions. 

Key Takeaways for Crypto Businesses

Focus Area and What to Look For:

 • Compliance & Security: KYC/AML rigor, FDIC insurance on fiat, transparent fee structures.

 • Seamlessness Integrated: fiat-crypto rails, API tools, smooth onboarding. 

 • Governance & Risk: Platform backed by strong financial and regulatory foundations, mindful of potential shifts.

Bottom line:

Crypto-native founders and businesses can now choose from platforms built for scale and compliance, or lean on trusted traditional banks making tentative moves into crypto. Whether you’re a startup founder, operator, or investor, now is the time to streamline your banking, fortify compliance, and accelerate your growth.

Let’s connect if you want to explore the best fit for your needs!

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