# MoraBanc

> MoraBanc is an Andorran banking group that aims to meet the expectations of its customers by seeking value creation, quality and innovation.

MoraBanc is a family-owned Andorran banking group offering retail, business, and private banking services. It also provides digital asset custody and investment products alongside traditional lending and savings services.

MoraBanc is a family-owned Andorran banking group offering retail, business, and private banking services. It provides accounts, cards, loans, mortgages, savings, and investment products alongside a dedicated digital assets offering. Its customers include individuals, businesses, and private banking clients seeking both traditional and digital financial services.

The bank operates a dedicated digital assets department that provides custody and investment access for cryptocurrencies and stablecoins. It was the first Andorran bank authorized to custody digital assets and give clients access to digital asset markets, and it later launched Andorra's first direct Bitcoin investment fund. It also introduced an investment fund incorporating crypto staking, extending its digital asset offering beyond custody and direct exposure.

Clients can hold Bitcoin and Ethereum alongside several stablecoins pegged to fiat currencies in an individualized custody wallet, supported by an off-ramp service for repatriating funds from digital asset investments. Beyond digital assets, MoraBanc offers investment funds, brokerage, financing, and international banking solutions through group entities. It serves individual, business, and private banking clients across Andorra and select international markets.

- Type: Company
- Sector: Finance
- Status: Active
- Founded: 1952-06-06
- Profile: https://thegrid.id/profiles/morabanc

## Products

- [MoraBanc Digital Assets](https://thegrid.id/profiles/morabanc): MoraBanc Digital Assets is a private banking custody and dealing service for cryptocurrencies and stablecoins. It provides individualized wallet custody for Bitcoin, Ethereum, and multiple stablecoins, alongside buying and selling of these assets and asset-backed financing. The service also includes an off-ramp function that converts digital assets to fiat and repatriates the resulting funds through regulated banking channels, with provenance checks applied throughout. It is available to private banking clients as part of MoraBanc's broader digital asset offering. (Custodian, Live, Main Product)
- [MoraBanc Bitcoin Investment Fund](https://thegrid.id/profiles/morabanc): MoraBanc Bitcoin Investment Fund is a regulated investment fund that gives qualified investors direct exposure to Bitcoin. Investors subscribe by contributing Bitcoin in exchange for fund units, and the fund tracks Bitcoin's long-term price performance rather than pursuing an active trading strategy. It was the first fund of its kind offered by a bank in Andorra and targets investors with a speculative risk profile. Subscription and management occur through a dedicated fund vehicle separate from the bank's custody wallet. (Managed Fund, Live)
- [MoraBanc Off-Ramp Services](https://thegrid.id/profiles/morabanc): MoraBanc Off-Ramp Services enables conversion of digital assets to fiat currencies through regulated banking infrastructure, providing secure asset repatriation with full compliance and provenance verification. (On/Off Ramp, Live)
- [MoraBanc Staking Investment Fund](https://thegrid.id/profiles/morabanc): MoraBanc Staking Investment Fund is a regulated fund giving investors exposure to digital assets that generate rewards through blockchain staking. Assets contributed to the fund are locked to support blockchain network operations, with potential rewards depending on market conditions and the specific protocol used. It was positioned as the first fund of its kind offered by a bank in the region, subscribed and managed separately from the bank's custody wallet and Bitcoin fund. Returns are not guaranteed and vary with network and protocol conditions. (Managed Fund, Live)

## Links

- [Main](https://morabanc.ad)
- [Blog](https://www.morabanc.ad/thinkbank/blog)
- [Documentation](https://www.morabanc.ad/thinkbank/ajuda-urgent)
- [Terms of Service](https://www.morabanc.ad/informacions-legals/Tarifes-i-condicions)
- [Instagram](https://instagram.com/morabanc)
- [Facebook](https://www.facebook.com/MoraBanc)
- [Twitter / X](https://x.com/morabanc)
- [YouTube](https://www.youtube.com/user/MoraBanc)
- [LinkedIn](https://www.linkedin.com/company/bibm-banco-internacional-banca-mora)

## Legal

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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
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- [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