# Januar > Business IBAN accounts with built-in cryptoinfrastructure Januar is a financial infrastructure company for crypto businesses. It provides IBAN accounts, embedded payment accounts, and crypto trade and custody services to digital asset companies across the EEA. Januar is a financial infrastructure company that provides regulated payment and crypto asset services to crypto native businesses across the European Economic Area. It offers business IBAN accounts, embedded account infrastructure, and crypto trade and custody services designed for companies that have historically struggled to access reliable banking due to their involvement with digital assets. The company operates as a licensed payment institution and crypto asset service provider, allowing it to combine traditional fiat payment rails with crypto and stablecoin settlement under a single regulated framework. This structure lets clients move funds between fiat currencies and digital assets while remaining within a compliant financial infrastructure, addressing a gap left by traditional banks that are often reluctant to serve crypto companies. Januar's offering spans operational IBAN accounts for payments in and out, embedded accounts that let platforms offer branded financial infrastructure to their own customers, and crypto trading and custody services. It serves exchanges, digital asset companies, NFT marketplaces, wallets, brokers, and institutional investors operating within the EEA, providing them with a fiat and crypto financial layer for their transaction flows. - Type: Company - Sector: Payments - Status: Active - Founded: 2021-06-01 - Profile: https://thegrid.id/profiles/januar ## Products - [Januar Account](https://thegrid.id/profiles/januar): Januar Account is a neobank product that provides EU-regulated business IBAN accounts for crypto-native and other digital businesses. It lets businesses send and receive fiat payments across multiple currencies and rails, pay operational expenses, and convert crypto holdings into fiat directly from the account. The account combines crypto wallet custody, instant quote-based crypto trading, and team-based payment approval controls within a single regulated account. (Neobank, Live, Main Product) - [Januar Instant](https://thegrid.id/profiles/januar): Januar Instant was a real-time payments network that enabled instant fiat currency transfers between counterparties within the Januar network. The system operated continuously with no transaction fees and supported cross-border payments for crypto businesses. The service has been discontinued. (Payment network, Discontinued) - [Januar Wallet](https://thegrid.id/profiles/januar): Januar Wallet was a custody solution that let businesses store, receive, and send digital assets from their Januar account. It used multi-party computation technology for key security, supported multiple segregated wallets for fund separation, and included approved address whitelisting for additional protection. The service has been discontinued. (Wallet, Discontinued) - [Januar Trade](https://thegrid.id/profiles/januar): Januar Trade is a centralised exchange service that lets businesses convert between fiat currencies and crypto assets directly from their Januar account. Trades run through a request-for-quote engine that returns a time-limited price for a chosen amount, which the client can accept for instant settlement. The service sources pricing from multiple liquidity venues and supports conversions across several major crypto assets and stablecoins. (Centralised Exchange, Live) - [Embedded Accounts](https://thegrid.id/profiles/januar): Embedded Accounts is a financial services platform that lets custody providers, exchanges, and payment service providers offer EU-regulated named IBANs to their business clients without holding a banking licence themselves. Partner platforms integrate via an API to provision a unique IBAN per client, process payments across multiple fiat rails, and offer crypto conversion and custody services under their own branding and pricing. Januar handles onboarding, compliance, and transaction monitoring on behalf of the integrating platform. (Financial Services Platform, Live) ## Links - [Main](http://www.januar.com) - [Blog](https://www.januar.com/resources/blog) - [Documentation](https://api-doc.januar.com) - [Terms of Service](https://www.januar.com/terms-of-service) - [Privacy policy](https://www.januar.com/privacy-policy) - [Twitter / X](https://x.com/januar) - [LinkedIn](https://linkedin.com/company/thejanuargate) - [Telegram](https://t.me/teisreed) ## 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. 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