# FV Bank

> The Global Digital Bank

FV Bank is a US-licensed digital bank and digital asset custodian providing banking, payments, custody, and Visa cards to businesses and individuals.

FV Bank is an international digital bank and digital asset custodian regulated by Puerto Rico's OCIF. The bank connects traditional banking with digital assets, offering USD accounts, cross-border payments, digital asset custody, Visa cards, and Banking APIs to fintech and Web3 companies globally.

- Type: Company
- Sector: Finance
- Status: Active
- Founded: 2019-01-01
- Profile: https://thegrid.id/profiles/fv_bank

## Products

- [Personal Banking](https://thegrid.id/profiles/fv_bank): FV Bank Personal Banking provides OCIF-regulated US bank accounts for individuals from multiple countries, combining traditional USD banking with integrated digital asset capabilities in a single account. Users manage ACH and wire transfers, receive stablecoins, hold digital assets alongside USD, and access Visa debit cards. (Bank, Live, Main Product)
- [Business Banking](https://thegrid.id/profiles/fv_bank): FV Bank Business Banking provides OCIF-regulated enterprise banking accounts for fintech, blockchain, and SME clients, combining USD accounts, ACH, wire, and SWIFT payments with integrated digital asset capabilities and stablecoin settlement. Businesses hold USD and digital assets in the same account with cross-border FX payments, virtual accounts for payment automation, and Visa corporate cards. (Bank, Live)
- [Digital Asset Custody](https://thegrid.id/profiles/fv_bank): FV Bank Digital Asset Custody provides OCIF-licensed secure custodial storage of digital assets alongside seamless settlement to fiat. Clients store digital assets with institutional-grade security, enabling real-time stablecoin-to-USD conversion and stablecoin payment acceptance directly into banking accounts. (Custodian, Live)
- [Custody Money Market Account](https://thegrid.id/profiles/fv_bank): FV Bank Custody Money Market Account is an interest-bearing USD account enabling clients to earn passive income on USD or stablecoin holdings while maintaining instant access to funds during business hours. Clients self-direct investments by transferring funds from their FV Bank account into the custodial money market account with no lockup requirements and seamless transfers back to their bank account. (Centralised Borrowing & Lending, Live)
- [FV Bank Cards](https://thegrid.id/profiles/fv_bank): FV Bank Cards provides Visa credit and debit cards, enabling businesses and individuals to spend USD and digital asset balances worldwide at any Visa-accepting merchant. Users access physical and virtual cards linked directly to their FV Bank accounts with crypto-spending capabilities. (Card, Live)
- [FVNet](https://thegrid.id/profiles/fv_bank): FVNet is FV Bank's proprietary real-time intrabank settlement network enabling customers to send and receive funds between FV Bank accounts 24/7 instantly and at no cost. The network supports USD and digital asset transfers between FV Bank clients with full traceability and compliance controls. (Payment network, Live)
- [FV Bank API Services](https://thegrid.id/profiles/fv_bank): FV Bank API Services provides Banking-as-a-Service APIs enabling fintech and blockchain companies to integrate OCIF-regulated banking infrastructure including accounts, payments, custody, and compliance, directly into their own applications. Corporate and institutional clients access FV Bank's licensed US banking network programmatically to build compliant financial products. (Financial Services Platform, Live)

## Links

- [Main](https://fvbank.us)
- [Blog](https://blog.fvbank.us)
- [Documentation](https://docs.apis.fvbank.us)
- [Privacy policy](https://fvbank.us/privacy)
- [LinkedIn](https://www.linkedin.com/company/fv-bank)
- [Twitter / X](https://x.com/fvbankus)
- [YouTube](https://www.youtube.com/@fvbank)
- [Medium](https://fv-bank.medium.com)

## Legal

This data is provided under two licensing models.

Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. For ML/AI use: training datasets that substantially extract ODbL data are Derivative Databases and must be shared under ODbL if publicly used; models must be attributed in documentation.

Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service.

The following applies to both licensing models.
- All data is provided AS IS with no guarantees of accuracy.
- The Grid does not provide investment, legal, or tax advice, and
- a project's presence in The Grid's data does not imply endorsement.


- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP