Banking & Payments for Web3

Crypto-Friendly Banking & EMI Accounts in UAE

If you work with crypto or virtual assets in the UAE, you already know the problem: most banks don’t like your business model, even when you are fully legal and compliant. Applications drag on for months, get declined with a vague “risk appetite” answer, or accounts are closed with little warning.

Consultrio helps Web3, VASP and tokenization projects secure crypto-friendly bank and EMI relationships in the UAE and abroad by aligning your company structure, licensing path and payment flows with what risk and compliance teams actually want to see.

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Niches

Who This Crypto Banking Service Is For

1. Centralised exchanges, OTC desks & brokers

Licensed or licensing in UAE / offshore, needing reliable fiat rails.

2. Web3 infrastructure & on/off-ramps

Payment processors, gateways, wallets and ramp providers that combine fiat and crypto.

3. Tokenization & real-world asset (RWA) platforms

Real estate tokenization, yield products, structured tokens and investment-style platforms.

4. Crypto funds & investment DAOs (appropriately structured)

Entities raising and deploying capital in or via virtual assets.

The Reality of Crypto Banking in the UAE

The UAE is pro-crypto on paper – but banking still follows risk.

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1. Regulation first, banking second

VARA, ADGM and DIFC have created advanced virtual asset and crypto token frameworks – but commercial banks are still conservative and selective with crypto clients. Licensing alone does not guarantee easy banking access.

2. Compliance expectations are high

Banks are under pressure to show strong AML/CFT, sanctions and transaction monitoring controls around crypto flows. They will examine your geos, counterparties, token types and on/off-ramp model in detail.

3. Labels matter

Calling yourself “software development” while clearly running a DeFi protocol or exchange is a fast track to rejection. You need a transparent, defensible narrative that matches your real activities and documents.

4. Most founders apply in the wrong order

They incorporate, launch the product, only then start thinking about banking. This results in structures and flows that are basically unbankable, and forces painful restructuring later. We reverse that thinking.

Not just “a bank account” – a crypto-aware banking stack.

What We Actually Set Up For You

UAE Operating Bank Accounts

We help you open operating accounts in UAE (where realistic) for payroll, expenses and local operations. The focus is on matching your legal entity, business description and supporting policies so they remain acceptable for the bank’s risk profile.

EMI & Multi-Currency IBANs for Crypto Businesses

For many crypto projects, an EMI or digital bank with multi-currency IBANs is the real workhorse. We connect you with EMIs that understand virtual asset exposure, are comfortable with your flows, and integrate well with exchanges, PSPs and your treasury stack.

Fiat On/Off-Ramps & Payment Providers

We design and source fiat on/off-ramp solutions: PSPs, payment gateways and partners that let you convert between fiat and crypto in a compliant way.

Process

How Consultrio Works With Crypto & Web3 Clients

Step 1 – Business & Risk Assessment

We review your business model (exchange, protocol, RWA tokenization, infra, services)
Jurisdictions and entities (UAE free zones, offshore, onshore)
Transaction flows (who sends/receives, in which currencies and tokens)
Existing issues: rejections, frozen accounts, compliance flags
You get a frank assessment of what is realistic in UAE and which flows may need adjustment.

Step 2 – Structure & Documentation Optimisation

We then adjust or refine your group and entity structure to be more bankable (e.g. splitting activities, adding UAE presence, clarifying roles between entities).
Prepare or upgrade AML/CFT, KYC/KYB, sanctions, travel rule, wallet and risk policies.
Draft clear descriptions of your crypto exposure, counterparties and on/off-ramp flows that a risk officer can actually understand.

Step 3 – Banking & EMI Strategy + Shortlist

We identify UAE and non-UAE providers that have a track record with similar Web3 profiles.
Decide which accounts should be in UAE, and which may be better placed offshore or with specialised EMIs.
Prioritise a path that gives you one working solution quickly, then builds redundancy over time.

Step 4 – Applications, Onboarding & Relationship Management

We help you complete applications, business descriptions and enhanced due diligence.
Prepare supporting packages (UBO KYC, source of wealth, token lists, risk explanations).
Pre-empt “red-flag answers” and coordinate responses when risk or compliance teams raise querie

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