Top Neobanks for Unified Crypto and Fiat Business Treasuries
Businesses often struggle with managing both crypto and fiat assets across separate accounts, leading to fragmented balances and complex reconciliation. A new wave of digital banking platforms aims to streamline this process by integrating crypto and fiat functions under one roof. Some platforms focus on providing fiat accounts with crypto connectivity, while others offer digital-asset custody, trading, and stablecoin payments. Below, we highlight eight neobanks that help businesses manage dollars and digital assets efficiently.
Coinbase Business, BVNK, Kraken Financial, and Wirex Business are ideal for companies deeply embedded in crypto operations. Coinbase Business offers crypto trading, payments, custody, and treasury functions in one account, though it is currently limited to U.S. and Singapore-based entities. BVNK provides virtual business accounts, crypto wallets, and stablecoin settlements in multiple currencies, but requires businesses to process at least $500,000 monthly. Kraken Financial caters to institutional clients with trading, custody, and treasury management services, while Wirex Business supports global accounts, corporate cards, and stablecoin treasury management with up to 6% yield on eligible balances.
For businesses that use crypto alongside conventional banking, Revolut Business, FV Bank, and Mercury are more practical choices. Revolut Business allows companies to buy, hold, and sell crypto alongside traditional currency accounts, though it excludes several crypto-related industries. FV Bank supports stablecoin deposits and conversions, simplifying reconciliation for businesses invoicing on-chain. Mercury provides fiat banking services for U.S.-registered startups, including crypto and Web3 companies, but lacks native digital-asset custody.
SoFi is best suited for enterprise businesses, fintechs, and digital-asset firms needing regulated U.S. banking infrastructure with stablecoin settlement capabilities. Before choosing a platform, businesses should verify eligibility, asset protections, withdrawal limits, and supported networks to ensure a seamless treasury management experience.