One Account for Corporate Fiat and Crypto: How It Works
- A corporate crypto account holds a company’s own fiat and crypto in one balance, with reconciliation from a single ledger.
- The fiat side runs on named virtual IBANs across 38 currencies. PLN and AUD are live for B2B today.
- The crypto side uses MPC custody for BTC, ETH, SOL, USDT, and USDC, with the private key split across parties.
- Auto Ramp converts incoming fiat to crypto. Paybis Send runs mass crypto and automated fiat payouts by API.
- The account is built for a company’s own treasury and settlement funds.
- No volume cap, no rolling reserve, pre-funded settlement, instant stablecoin settlement.
- 100+ cryptocurrencies supported for conversion and payouts.
- Access by API or portal, with 24/7 technical support and personal account management.
Most finance teams that touch crypto run it across separate systems. A bank for fiat, exchange accounts for conversion, wallets for holding, and a spreadsheet to tie it together. It works until volume grows. Then month-end means matching balances by hand, sometimes rebuilding payout history from block explorers, while capital sits locked in reserves and pre-funding accounts. The errors, the delay, and the audit exposure all scale with volume.
A corporate crypto account collapses that stack into one balance. Same money, one place, one ledger. This guide covers what the account is, how each part works, and where it beats the fragmented setup.
What a corporate crypto account is
A corporate crypto account is a single balance that holds and moves a company’s own funds in both fiat and cryptocurrency. Treasury, settlement, and reporting run from the same place instead of across separate banks, exchanges, and wallets. The Paybis Global Account is built for a company’s own treasury and settlement money. Finance works from one view, so the real position is visible at any moment rather than assembled after the fact.
How the account works
One operational balance
The account holds fiat and crypto together as one operational balance. Incoming settlement, held funds, and outgoing payments sit in the same account. One balance means one source of truth, so reconciliation stops being a monthly hunt across systems and becomes a read of a single ledger.
The fiat side: named virtual IBANs
A virtual IBAN is a dedicated account number that receives and holds fiat under the company’s own details. The Global Account provides named vIBANs across 38 currencies, with PLN and AUD live for B2B today. Money arrives into the vIBAN and stays fiat-denominated until the company converts or pays out, so the fiat side behaves like normal treasury and crypto price swings stay out of balances the company chose to keep in cash.
The crypto side: MPC custody
Crypto in the account is held under multi-party computation custody. The account holds BTC, ETH, SOL, USDT, and USDC, and the private key is split across several parties so it never sits whole in one place. A split key removes the single point of failure a standard wallet carries. The risk of one or two people holding the keys goes away, which is the treasury control an auditor asks about.
Moving money in and out
Incoming fiat can convert to crypto automatically through Auto Ramp, which routes the result to a chosen wallet. Outgoing payments run through Paybis Send, which handles mass crypto payouts and automated fiat payouts by API. Fund the account once in fiat and pay recipients in any of 100+ assets at execution time. Manual wallet transfers and their throughput ceiling drop out of the process.
Reporting and access
Because fiat and crypto share one balance, reporting covers both in a single ledger. Finance sees treasury, settlement, and payout activity in one place, which is what makes the account audit-ready instead of reconstructed. The account runs by API for automated flows or through the portal for manual work.
The account at a glance
| Component | What it does | Access |
|---|---|---|
| Named vIBANs (38 currencies) | Receive and hold corporate fiat under your own account details | API or portal |
| MPC custody (BTC, ETH, SOL, USDT, USDC) | Hold corporate crypto with the private key split across parties | API or portal |
| Auto Ramp | Convert incoming fiat to crypto and route it to a wallet | API |
| Paybis Send | Run mass crypto payouts and automated fiat payouts | API |
| Conversion (100+ cryptos) | Move between fiat and crypto at execution time | API or portal |
| Unified reporting | See fiat and crypto activity in one ledger | Portal |
Who it is for
The account fits companies that hold and move their own money in both fiat and crypto. PSPs and acquirers settling merchants. Crypto businesses managing treasury. Platforms that pay contractors or partners in crypto and need the funding, holding, and payout in one place. In each case the money in the account is the company’s own, which keeps the setup on the live corporate side of the product.
Why one account beats the fragmented stack
The difference is not a longer feature list. It is what each approach costs the finance team in work, capital, and risk.
| What it costs you | Fragmented setup | One corporate account |
|---|---|---|
| Reconciliation | Match balances across bank, exchanges, wallets, and a spreadsheet by hand | Fiat and crypto in one ledger, read from a single source |
| Working capital | Held back in rolling reserves for months | No rolling reserve, capital stays in your balance |
| Custody risk | Wallet keys held whole by one or two people | MPC custody, key split across parties |
| Payouts | Manual wallet transfers with a throughput ceiling | Fund once in fiat, pay by API in 100+ assets |
| Settlement | Multi-day holds on funds | Pre-funded, with instant stablecoin settlement |
| Support | A ticket queue | 24/7 with a personal account manager |
Bottom line
A corporate crypto account replaces a bank, exchange accounts, wallets, and a reconciliation spreadsheet with one balance that holds and moves the company’s own fiat and crypto. Named vIBANs cover the fiat side, MPC custody covers the crypto side, and Auto Ramp and Paybis Send move money in and out by API. The payoff is one source of truth for treasury, settlement, and reporting, with capital that stays in your balance instead of a reserve. That is the part manual setups never get right at scale.
Related reading
Disclaimer: Don’t invest unless you’re prepared to lose all the money you invest. This is a high‑risk investment and you should not expect to be protected if something goes wrong. Take 2 mins to learn more at: https://go.payb.is/FCA-Info
