MANAGE EUR
AND CRYPTO FROM ONE
IBAN ACCOUNT
AND CRYPTO FROM ONE
IBAN ACCOUNT
Built for the future of finance. Pay salaries, manage your treasury, and unlock crypto opportunities.
Fiat & crypto
in one platform
in one platform
Future-proof your business with full asset flexibility. Simplify treasury management, eliminate the need for multiple providers and ensure legal clarity and stability for long-term growth.
Web3 Business Account
Get a personal IBAN. Manage all your EUR and crypto activities from one place.
Exchange Aggregator
Swap crypto directly from your IBAN account with the best available rates - simple, seamless, and powered by blockchain.
Why Businesses Choose Monflo
Many businesses cannot open crypto accounts. Crypto businesses cannot open IBAN accounts. Monflo fixes both.
Seamlessly fund your account, trade crypto, and move money when you need it
Own the benefits of the crypto economy without the technical burden
Contact Sales
Book a personalized session to see how Monflo works — and how it can support your business needs.
Security & Transparency You Can Trust
Dedicated Vault per Business
You have a vault where you can store EUR and crypto - no pooled or omnibus accounts
Blockchain Transparency
Builds trust with clients, partners, and regulators through verifiability
Secured by Fireblocks
Trusted technology that secures over $10T for top financial institutions
Regulated & Compliant
MiCA-licensed and supervised by the Dutch Authority for the Financial Markets (AFM)
Fees and Prices
0% transfer fee
Receive and send EUR from your Web3 IBAN account for free.0.9% swap fee
Monflo scans 15+ decentralized markets for the best prices. The fee is charged directly from the transaction amount.Earn Products
Coming soonPut your assets to work to generate yield.
15% of profits earned
- Charged only when profits are realized — on withdrawal or after each three-month period, whichever comes first
- No fees are ever charged on your deposits or on losses
Crypto Transfers
Move crypto in and out of Monflo with predictable fees.
Deposits
- Free (min. €5 equivalent)
Withdrawals
- 0.1% per transfer
- Min €3, Max €20
Business accounts
For just€29.99€14.99/month
- Start with a 30-day free trial
- Receive unlimited bank transfers at no cost
- Send up to 100 transfers per month for free
- Only €0.15 per additional outgoing transfer
Upcoming Products
API Integration
Power your business with our financial infrastructure into your systems. Access EUR and crypto at scale.
On- and off- ramping solutions
Payment infrastructure with personalized IBANs
Self-hosted in-platform crypto wallets
Swap functionalities
Coin listings and more
Be the first to know
Stay tuned for news and updates
Life with Monflo
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How Monflo Finds the Best Crypto Prices for You
How Monflo uses a DEX aggregator to find the best crypto prices for you across many decentralized exchanges.
Highlights from Dutch Blockchain Week
One of the most impactful moments during this year’s Dutch Blockchain Week came from the side events—particularly the panel and podcast discussions that offered space for deeper dialogue.
Frequently Asked Questions
To ensure controlled growth, we currently onboard individual users residing in the Netherlands who hold a Dutch IBAN and support iDIN verification. With our MiCA license now in place, we are going in time expand our services to corporate clients in the Netherlands as well as individual users across the EU.
We accept most passport holders living in the Netherlands. However, because our Smart IBAN is issued by Monerium, a third‑party EU‑licensed provider, a small number of nationalities cannot be onboarded. Monerium determines eligibility based on regulatory requirements and risk frameworks.
Some nationalities are excluded due to factors such as international sanctions, high‑risk AML classifications, or complex extra‑territorial obligations (for example, the extensive regulatory and tax‑reporting exposure associated with U.S. and U.K. citizenship).
For businesses, registration details from the Dutch Chamber of Commerce are required, along with a clear overview of the organizational structure and Ultimate Beneficial Owner (UBO) information.
Your money, your RULES
Monflo is a Crypto-Asset Service Provider (CASP) licensed under MiCA by the Dutch Authority for the Financial Markets (AFM). We comply with the Money Laundering and Terrorist Financing Prevention Act (Wwft), the Sanctions Act 1977, and all MiCA requirements. The AFM supervises our conduct-of-business obligations and organizational governance. De Nederlandsche Bank (DNB) performs prudential supervision over Monflo in accordance with MiCA.
The Monflo Debit Card is made available in partnership with Gnosis Pay. The card is issued by Monavate Limited pursuant to licence by Visa Europe Limited. Monavate Limited is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 901097).
Crypto-asset investments involve risks. You may lose part or all of the amount invested. Swap orders are exclusively executed via third-party decentralized exchange aggregator. Please review all transaction details before proceeding. By using Monflo services, you acknowledge and accept these risks. Additional information is available in Monflo's Terms and Conditions and Risk Disclosure.
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