Navigating the Financial Frontier: Banks that Support Crypto, Trading, Holding & FX

Choosing the Right Bank for Crypto, FX, and Global Financial Operations

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A Modern Guide for Entrepreneurs, Investors, and International Businesses

Banking is no longer limited to handling deposits and issuing cards. For globally mobile professionals, asset managers, and digital-first businesses, the ideal banking partner must support crypto exposure, handle multi-currency operations, provide institutional-grade custody, and integrate with real-time trading infrastructure. The financial world has become hybrid, where fiat and digital assets coexist, and banking systems must evolve accordingly.

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At HPT Group, we assess banks and fintech platforms across major financial hubs to help clients identify institutions that complement their operational needs, trading strategies, and cross-border ambitions. Today’s environment requires partners who can bridge both traditional finance and the rapidly expanding digital asset economy.

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Switzerland’s Leadership in Crypto Integrated Banking

Switzerland continues to set the global standard for regulated crypto banking. The country’s regulatory authority, FINMA, has established a framework that encourages innovation while preserving strict governance and compliance. Within this ecosystem, two institutions stand out prominently.

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SEBA Bank is one of the first fully regulated banks to offer a complete suite of crypto services alongside traditional financial tools. Clients can access regulated custody, staking solutions, foreign exchange trading, and direct market access. This seamless integration of digital and fiat assets within a single regulated institution makes SEBA an exceptional choice for institutions seeking both innovation and oversight.

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Sygnum Bank offers a similar depth of services, providing secure storage, digital asset yield products, tokenization solutions, and traditional banking under one structure. Wealth managers and investment funds often gravitate toward Sygnum because it simplifies multi-asset portfolios by consolidating banking and crypto services in one compliant environment.

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Switzerland’s combination of legal clarity, operational sophistication, and strong investor protection makes it a globally preferred destination for crypto banking.

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Singapore’s Innovation in Traditional–Digital Convergence

Singapore has taken a forward-thinking yet tightly regulated approach to digital assets. DBS Bank stands as a leading example of how traditional banking institutions can adopt crypto while maintaining high compliance standards. Through the DBS Digital Exchange, clients gain access to fully regulated crypto trading and professional-grade custody. Coupled with DBS’s extensive foreign exchange infrastructure and its role as a major banking hub for Asia, this creates a powerful foundation for businesses operating across diverse markets and currencies.

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Singapore’s regulatory environment ensures that the integration of crypto remains structured, transparent, and aligned with global best practices, making DBS an excellent choice for individuals and enterprises that require both safety and scale.

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Liechtenstein’s Crypto Forward Banking Landscape

Bank Frick has established itself as a leading European choice for those seeking clear, compliant, and institutionally structured crypto banking services. Under the MiFID II framework, the bank supports direct crypto investments, professional custody services, and tokenization projects. This makes Bank Frick especially attractive to fintech platforms, asset managers, and sophisticated investors who need European regulatory certainty alongside cutting-edge digital asset capabilities.

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Liechtenstein’s progressive legal environment has earned international recognition for balancing innovation with robust oversight, placing Bank Frick among the top options for clients operating within or expanding into the European market.

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The Rise of UK Neobanks for Global Entrepreneurs

Digital banking in the United Kingdom has matured rapidly, and neobanks have become essential tools for entrepreneurs who require speed, low fees, and efficient currency management. Revolut, Monzo, and Starling Bank have each carved out unique strengths.

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Revolut stands out for offering crypto trading, competitive foreign exchange services across more than thirty currencies, and a smooth user experience that appeals to individuals and small businesses managing global income streams. Although users do not control their private keys, Revolut provides an effective solution for fast transitions between fiat and crypto.

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Monzo and Starling, while not offering direct crypto services, excel in international money transfers, account transparency, and integration with platforms that support the broader crypto ecosystem. Their efficiency and reliability make them popular choices among digital-first founders and freelancers who handle frequent cross-border transactions.

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Evolving U.S. Fintech Solutions After Silvergate and Signature

The closure of Silvergate and Signature created a significant gap in the United States crypto banking market. Fintech institutions have begun to address this gap with infrastructure designed for startups, funds, and technology companies.

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Mercury is a leading option for U.S. startups with its clean interface, automated finance tools, foreign exchange friendly accounts, and smooth integration with crypto related platforms. Although not a dedicated crypto bank, it supports many operational needs of crypto adjacent businesses.

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Brex focuses heavily on operational efficiency, offering corporate cards, spend controls, and rich financial dashboards that appeal to high growth companies. While direct crypto services are limited, Brex provides sophisticated multi currency and operational support.

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Relay is increasingly recognized for its team friendly design, flexible account controls, and seamless accounting integrations. For small businesses that require reliable cash flow management and global payment capabilities, Relay offers simplicity and transparency.

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The Role of Professional Custodians in a Hybrid Financial World

Specialized custodians such as Anchorage Digital, Fireblocks, BitGo, and Ledger Enterprise have become essential components of institutional digital asset management. These platforms offer secure cold and warm storage solutions, institutional wallet infrastructure, and direct connectivity to exchanges and over-the-counter trading desks. Even when clients maintain traditional banking relationships elsewhere, professional custodians serve as the backbone of high value crypto safekeeping.

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Choosing the Right Banking Partner for a Multi Asset Future

Selecting a banking partner in today’s hybrid financial world requires evaluating regulatory alignment, global presence, fiat on and off ramp reliability, digital asset capabilities, and integration with broader financial operations. The ideal institution will offer flexibility, transparency, and scalability, ensuring that your banking framework supports both current needs and future expansion.

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Businesses increasingly operate across multiple currencies, asset classes, and jurisdictions. Banking infrastructure must evolve to support that reality. Institutions that cannot support both digital and traditional asset flows will gradually become less suitable for modern financial operations.

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At HPT Group, we help clients assess their operational needs and match them with institutions that are capable of supporting sophisticated asset strategies. Whether you are an early stage fund, a fintech platform, or a high net worth individual navigating global markets, our advisory team will guide you toward a banking and custody strategy that supports your ambitions.

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