Crypto On/Off Ramp

Institutional crypto‑to‑fiat.
Compliance-first. No excuses.

From 0.25% conversion fee. Chainalysis KYT pre-screening on every transaction. Fireblocks qualified custody. FATF Travel Rule compliant. T+0 stablecoin settlement. Built for crypto exchanges, protocols, and treasury operations that standard banks won't serve.

Apply for Crypto Access Compliance Framework
✓ Chainalysis KYT ✓ FATF Travel Rule ✓ Fireblocks custody ✓ T+0 stablecoin settlement
Fiat (Sent)
€
Euro
EUR · SEPA Instant
€50,000
EUR fiat → BTC
●KYT Screened
✓Chainalysis KYT
Crypto (Received)
₿
Bitcoin
BTC · Mainnet
1.1702 BTC
Fireblocks custody
●Settled
✓Audit Trail
0.25%
From conversion fee
Volume-tiered · stablecoins lower
T+0
Stablecoin settlement
USDT/USDC · T+1 for BTC/ETH
12
Supported assets
BTC · ETH · USDT · USDC · 8 more
$250M
Custody insurance
Per event · Fireblocks qualified custodian
Compliance by Design — For Crypto Companies That Need It

Every transaction screened. Every wallet verified. EDD for crypto businesses.

CCYFX provides fiat banking for crypto companies through an EDD (Enhanced Due Diligence) onboarding process designed for the industry. Chainalysis KYT pre-screening on every inbound asset. Full FATF Recommendation 16 Travel Rule compliance. VASP-registered in two jurisdictions. Zero unscreened transactions. Your correspondent banks, institutional LPs, and auditors can verify everything.

01
Full KYC/KYB at Onboarding
All clients complete full institutional identity verification before crypto access is enabled. Document verification, beneficial ownership disclosure, source of funds declaration, source of crypto assets, PEP and sanctions screening (World-Check), and business activity verification. For crypto-native businesses — exchanges, protocols, DAO treasuries — enhanced due diligence applies. Crypto access is provisioned as part of the existing CCYFX account — no duplicate KYC required.
✓ FATF Recommendations · JMLSG Guidance
02
Chainalysis KYT Blockchain Screening
Every inbound crypto transaction is pre-screened through Chainalysis Know Your Transaction (KYT) before conversion proceeds. Screening covers: exposure to sanctioned entities (OFAC, EU, UN), mixer and tumbler detection, darknet market exposure scoring, stolen funds flagging, and ransomware wallet identification. Transactions with elevated risk scores are held for manual compliance review. Clean transactions proceed automatically. All KYT results are logged and available in the audit trail.
✓ Chainalysis KYT — Enterprise Integration
03
Travel Rule & Regulatory Reporting
CCYFX complies with FATF Recommendation 16 (the "Travel Rule") for all qualifying VASP-to-VASP transfers, transmitting originator and beneficiary information as required. Transactions above reporting thresholds are filed with FINTRAC and the Polish VCA as required under applicable VASP regulations. Clients receive a compliance report for every transaction above threshold — suitable for inclusion in their own AML audit trail and LP reporting packages.
✓ FATF R.16 · FINTRAC · Polish VCA RDWW-1604
Supported Assets

12 assets. Built for crypto businesses, not retail investors.

All conversion from 0.25% over mid-market. This is the fiat on/off-ramp for crypto companies — exchanges, protocols, treasury teams — not a retail service. Minimum conversion $10,000 equivalent per transaction. Network fees passed through at cost. OTC desk for transactions over $250K equivalent.

₿
Bitcoin
BTC
$42,840
+2.41%
On-RampOff-RampOTC
Min: $10,000 · Spread: 0.50%
Ξ
Ethereum
ETH
$2,295
-1.18%
On-RampOff-RampOTC
Min: $10,000 · Spread: 0.40%
₮
Tether
USDT
$1.0002
+0.02%
On-RampOff-RampERC-20TRC-20
Min: $10,000 · Spread: 0.25% · T+0
○
USD Coin
USDC
$1.0001
+0.01%
On-RampOff-RampERC-20
Min: $10,000 · Spread: 0.25% · T+0
○
Solana
SOL
$98.40
+4.82%
On-RampOff-Ramp
Min: $10,000 · Spread: 0.50%
◆
BNB
BNB
$312.60
+0.89%
On-RampOff-Ramp
Min: $10,000 · Spread: 0.50%
⬢
Polygon
MATIC
$0.89
+1.42%
On-RampOff-Ramp
Min: $10,000 · Spread: 0.75%
◆
XRP
XRP
$0.62
-0.81%
On-RampOff-Ramp
Min: $10,000 · Spread: 0.60%
○
Avalanche
AVAX
$38.20
+2.10%
On-RampOff-Ramp
Min: $10,000 · Spread: 0.65%
○
Chainlink
LINK
$14.80
+0.34%
On-RampOff-Ramp
Min: $10,000 · Spread: 0.65%
◆
Polkadot
DOT
$7.82
-2.14%
On-RampOff-Ramp
Min: $10,000 · Spread: 0.75%
△
Litecoin
LTC
$82.40
+1.20%
On-RampOff-Ramp
Min: $10,000 · Spread: 0.60%
Risk Disclosure
Crypto assets are highly volatile and their value can decrease significantly in a short period. CCYFX facilitates institutional conversion only — we are not a crypto exchange, investment advisor, or custodian in our own name. CCYFX does not hold client crypto assets; custody is provided by Fireblocks, a qualified custodian. Past price performance is not a reliable indicator of future results. This service is available to institutional and business clients only and is not suitable for retail investors. Please read our Crypto Risk Disclosure Statement before transacting.
Conversion Process

From fiat to settled crypto in four steps

Every step is documented, screened, and auditable. The entire process generates a compliance report automatically — suitable for your auditors, LP reporting, and tax advisors.

01
Wallet Submission & KYT Pre-Screen
Client submits the destination wallet address. Chainalysis KYT screens the address for sanctions exposure, mixer history, darknet market links, and ransomware association before any conversion is initiated. High-risk wallets are blocked automatically. Results are logged to the audit trail.
✓ Real-time · <30 seconds
02
Fiat Settlement & Conversion Execution
Client sends fiat via their named CCYFX IBAN (SEPA, SWIFT, Fedwire, or CHAPS). Conversion executes at the prevailing rate with the disclosed spread. For stablecoins (USDT, USDC), conversion is typically T+0. For BTC and ETH, conversion is T+1. Conversion rate and fee are confirmed pre-execution.
✓ T+0 stablecoins · T+1 BTC/ETH
03
Fireblocks Custody & Transfer
Converted crypto is held in Fireblocks-managed multi-signature institutional wallets before onward transfer. Fireblocks is a qualified custodian with $250M per-event insurance coverage. Multi-signature authorization required for all withdrawals. CCYFX never holds client crypto in its own name.
✓ Multi-sig · $250M insured
04
Full Audit Trail & Compliance Report
A compliance report is generated automatically for every transaction, including: KYT screening result and risk score, transaction hash and blockchain confirmation, conversion rate and fee breakdown, timestamp and counterparty details. Suitable for accounting, tax reporting, and institutional LP due diligence.
✓ Automatic · Available immediately
Institutional Custody

Fireblocks qualified custodian. $250M insurance.

CCYFX does not hold client crypto assets in its own name. All crypto custody is provided through Fireblocks, the leading institutional digital asset custody infrastructure used by over 1,800 financial institutions globally.

Fireblocks Qualified Custodian
Fireblocks provides institutional digital asset custody with MPC (Multi-Party Computation) key management, eliminating single points of failure. Used by BNY Mellon, BNP Paribas, and over 1,800 financial institutions. SOC 2 Type II certified. Insurance coverage up to $250M per event via Lloyd's of London.
Multi-Signature Wallets
All client crypto is held in Fireblocks multi-signature wallets. A minimum of 2-of-3 authorizations are required for any withdrawal. Transaction policies are configurable — set spending limits, whitelist addresses, require dual control for large withdrawals. Full audit log of all wallet activity.
$250M Per-Event Insurance
Fireblocks custodied assets are covered by up to $250M per-event insurance via Lloyd's of London and leading crypto insurers, covering theft and external cyberattacks. Separate from CCYFX's own operational insurance. Insurance certificates available to institutional clients on request.
Licences & Regulation

Regulated VASP infrastructure — not a grey zone

CCYFX holds active VASP registrations in two jurisdictions and operates under Chainalysis KYT blockchain analytics. This matters for your own compliance position, correspondent banking relationships, and LP due diligence.

🇨🇦
FINTRAC — Canada Registration
Registered as a Money Services Business with Canada's Financial Transactions and Reports Analysis Centre (FINTRAC), covering crypto exchange and virtual currency dealing activities. Full AML/ATF reporting obligations under PCMLTFA. Licence subject to annual review and compliance examination.
FINTRAC Reg. No. M23156809
🇵🇱
Polish VCA — Crypto Exchange
Registered with the Polish Financial Supervision Authority (KNF) as a Virtual Asset Service Provider for cryptocurrency exchange and custodial services within the EU regulatory framework. Compliant with AMLD5/6 and the FATF VASP guidance. EU MiCA framework compliance roadmap in progress.
RDWW-1604
🛡
Chainalysis KYT — Blockchain Analytics
All wallet addresses and transactions screened through Chainalysis KYT before and after conversion. Exposure scoring, mixer detection, darknet market flagging, sanctions screening, and ransomware wallet identification — applied to every transaction regardless of amount. Used by Coinbase, Binance, and over 900 financial institutions globally.
Enterprise KYT Integration
Treasury Use Cases

For crypto businesses that need fiat banking and can't get it

CCYFX serves crypto businesses with a specific problem: they need fiat banking infrastructure but traditional providers won't onboard them. Crypto exchanges, DeFi protocols, DAO treasuries — if a bank has declined you because of what you do, CCYFX provides the compliant alternative.

○
DeFi Protocol & DAO Treasuries
Convert protocol treasury holdings between crypto and fiat with full AML documentation. Required for token sales, grant payments, and treasury diversification strategies. Compliance reports satisfy DAO governance transparency requirements and LP due diligence requests from institutional token holders.
🏢
Crypto Exchange Licensing Reserves
Maintain fiat licensing reserves (required by MiCA, FCA, and MAS crypto licensing regimes) while operationally managing crypto float. Prove reserve solvency with bank confirmation letters from CCYFX named accounts. AML audit trail satisfies regulatory examination requirements.
💳
Web3 Payroll & Contractor Payments
Convert fiat payroll to USDT or USDC for international contractor payments where crypto is preferred. Full conversion audit trail for payroll tax compliance. Stablecoin off-ramp available for recipients who need to convert back to local currency — connected to CCYFX's named IBAN network in the UK, EU and US.
◆
Institutional Crypto OTC
For conversions above $250,000 equivalent, CCYFX's OTC desk provides dedicated pricing, block execution, and bespoke settlement arrangements. OTC trades include full KYT screening, personalised compliance reporting, and relationship manager support. Available for all 12 supported assets. Contact sales for OTC desk access.
Client Outcomes

Institutional clients who needed compliant crypto infrastructure

★★★★★
"Finding a compliant EUR-to-USDT ramp that our correspondent bank approved for counterparty use took nine months. CCYFX was the answer. Polish VCA licence, Chainalysis KYT, and AML documentation package — everything our compliance team required."
Alex V.
COO, Crypto OTC Desk
★★★★★
"We move $3M per month through CCYFX's BTC and USDT ramp. Same-day settlement on USDT, Chainalysis compliance report with every transaction. Our institutional LPs specifically asked about our crypto on-ramp AML controls — CCYFX gave us the answer."
Sarah K.
CFO, Digital Asset Fund
★★★★★
"The Fireblocks custody setup and the $250M insurance were the deciding factors. Our board requires institutional-grade custody for any crypto treasury position. CCYFX delivered that alongside compliant fiat conversion — two problems solved through one provider."
David T.
Treasury Director, DeFi Protocol
Frequently Asked Questions

Compliance, custody, and settlement questions answered

What AML screening is applied to every crypto transaction?+
Every inbound and outbound crypto transaction is screened through Chainalysis Know Your Transaction (KYT) Enterprise. Screening covers: OFAC, EU, and UN sanctions exposure; crypto mixer and tumbler history; darknet market exposure; stolen funds association; ransomware wallet links; and entity risk scoring. Transactions with elevated risk scores (above CCYFX's risk tolerance threshold) are held for manual compliance review and may be declined. All KYT results are logged to the transaction audit trail. Clients can request their KYT results as part of the compliance report for each transaction.
What is the Travel Rule and how does CCYFX comply?+
The FATF Travel Rule (Recommendation 16) requires Virtual Asset Service Providers (VASPs) to collect, verify, and transmit originator and beneficiary information for crypto transfers above threshold amounts ($1,000 USD equivalent under FATF; EUR 1,000 under EU TFR). CCYFX complies with the Travel Rule for all qualifying VASP-to-VASP transfers, using a Travel Rule compliance solution to exchange the required information with counterparty VASPs. For transfers to unhosted wallets, enhanced due diligence and ownership verification is required. Clients are provided with Travel Rule documentation as part of the transaction compliance pack.
Who holds the crypto — CCYFX or Fireblocks?+
CCYFX does not hold client crypto in its own name. All crypto custody is provided through Fireblocks, a qualified institutional digital asset custodian. Fireblocks uses MPC (Multi-Party Computation) key management technology — private keys are never fully reconstructed in any single location, eliminating single points of failure and insider theft risk. Client wallets are individually separated in Fireblocks' infrastructure. CCYFX has no ability to move client funds without multi-signature authorization from the client's registered control keys. Insurance coverage of up to $250M per event is provided via Lloyd's of London.
What are the settlement times for each asset?+
Settlement times by asset: USDT (ERC-20, TRC-20) — T+0, typically within 2 hours of fiat receipt confirmation; USDC (ERC-20) — T+0, typically within 2 hours; Bitcoin (BTC) — T+1, after 3 on-chain confirmations; Ethereum (ETH) — T+1, after 12 on-chain confirmations; All other assets — T+1 standard. For the off-ramp (crypto to fiat): USDT/USDC — fiat credit to named IBAN same day; BTC/ETH — fiat credit T+1 after on-chain confirmation. Settlement may be delayed in periods of extreme blockchain network congestion. Clients are notified of any delays via the CCYFX portal and webhook notifications.
What are all 12 supported assets?+
The 12 supported assets are: Bitcoin (BTC), Ethereum (ETH), Tether (USDT — ERC-20 and TRC-20), USD Coin (USDC — ERC-20), XRP (XRP), Solana (SOL), Polygon (MATIC), BNB (BNB Chain), Avalanche (AVAX), Chainlink (LINK), Polkadot (DOT), and Litecoin (LTC). All assets are available for both on-ramp (fiat to crypto) and off-ramp (crypto to fiat) unless otherwise indicated. Minimum conversion is $10,000 equivalent per transaction. OTC desk available for transactions over $250,000 equivalent with dedicated pricing.
Can I access crypto conversion via API?+
Yes. CCYFX's REST API supports crypto conversion requests, wallet submission, KYT status polling, conversion rate queries, and compliance report retrieval. Webhooks are available for real-time KYT result notifications, conversion execution confirmations, and fiat settlement notifications. API documentation is available at developers.ccyfx.com. Sandbox environment available for integration testing. FIX Protocol is not currently supported for crypto — REST API only. API access for crypto requires the same account-level KYC as the web interface.
What documentation do I receive for each transaction?+
For every crypto conversion transaction, CCYFX provides: (1) conversion confirmation with rate, fee, and amount details; (2) Chainalysis KYT screening result and risk score (pass/flagged/declined); (3) blockchain transaction hash and confirmation link; (4) Travel Rule compliance record (for qualifying VASP transfers); (5) Fireblocks custody receipt and wallet address confirmation; (6) a consolidated compliance report suitable for auditors, LP reporting, tax advisors, and regulatory examination. All documentation is available immediately post-settlement in the CCYFX portal and via API.
Is this service available to retail investors?+
No. CCYFX's crypto treasury infrastructure is exclusively available to corporate and institutional clients — registered legal entities that have completed CCYFX's full KYB (Know Your Business) onboarding process. Individuals trading for personal account are not eligible. Minimum conversion size of $10,000 equivalent reflects the institutional nature of the service. CCYFX is not a retail crypto exchange and is not authorised as one. If you are an individual looking to purchase crypto for personal use, CCYFX is not the appropriate service for your needs.
Get Crypto Access

The fiat bank account crypto companies can't get elsewhere.

Crypto exchanges, protocols, DAO treasuries — if a mainstream bank has declined you, CCYFX provides the compliant fiat banking infrastructure. EDD onboarding. Crypto access provisioned alongside your named IBAN account. Chainalysis KYT, Fireblocks custody, and Travel Rule compliance included as standard.

EDD onboarding · Crypto exchanges welcome · From 0.25% conversion · Chainalysis KYT · Fireblocks custody · $250M insured · VASP licensed