5 Questions to Ask an Enterprise Crypto Account Provider

Picking an enterprise crypto account provider is easy to get wrong. The pitch decks look alike, and the gaps only show up after you have moved money in. Five questions separate a provider you can build on from one that will cost you later. Ask all five before you sign.

The 5 questions at a glance

A quick reference before the detail on each one.

Whose money can the account hold, yours or your customers’?

Ask this first. Most enterprise crypto accounts are built to hold your own company money. Holding balances for your customers is a different thing, because that needs an electronic money licence, and not every provider has one.

If you only need to hold and move your company’s own money, a corporate crypto account covers it. If you plan to hold money for your users, ask directly whether the provider is licensed for that, and get the answer in writing. The Paybis account is built for your company’s own money, so it fits your own money and payouts without crossing into that licensed territory.

What currencies and cryptocurrencies does the account support?

Coverage decides whether the account fits your markets. Ask which currencies and coins are live for you today, because a long roadmap is not the same as what you can use now.

A virtual IBAN is a bank account number that is yours to receive money into, while several route into one account behind the scenes. Paybis offers named virtual IBANs across 38 currencies, with PLN and AUD live for B2B today. It supports 100+ cryptocurrencies for conversion and payouts. Ask any provider to confirm, in writing, which of its currencies are live in your region rather than planned.

How is the crypto kept secure?

Custody is where your crypto can be lost or stolen, so ask how the keys are managed. The key is the secret code that controls the coins, and one person holding it whole is a single point of failure.

Paybis holds crypto under MPC custody, which splits the key across several parties so no single person can move funds on their own. Ask a provider to name the assets it holds and the chains it runs on. Paybis covers BTC, ETH, SOL, USDT, and USDC. The chains include Ethereum, Tron, Polygon, and Base.

How do settlement and payouts work, and what gets held back?

This is where the commercial terms hide. Ask whether the provider holds back a reserve or caps your volume, and who carries the cost when a card payment is reversed. Each one quietly changes what the account really costs you.

A rolling reserve is a slice of your money the provider keeps for months before releasing it. A volume cap limits how much you can process. A chargeback is a card payment reversed after the fact. Paybis holds no rolling reserve and applies no volume cap. It also takes on chargeback liability itself, so a reversed card payment is not your loss. Stablecoin payments clear right away instead of waiting on a multi-day hold. Payments go out through Mass Crypto Payouts and Auto Ramp, by API or from the portal.

What do reporting and support look like day to day?

You live with the account every month, so ask how it reports and how you reach support. Scattered records turn month-end into a hunt, and a ticket queue is little help when money is stuck.

Paybis keeps your fiat and crypto in one operational balance, so reporting covers both in a single record and reconciliation becomes a read rather than a rebuild. Support runs 24/7 with a personal account manager, and integration goes live in under 48 hours. Ask whether you get a named contact or a general queue.

One more worth asking: is the provider actually licensed for what it does? A provider that cannot show its licences is a risk on its own. Our guide to the signs a provider is not licensed covers what to check.

Bottom line

The five questions come down to one idea: make the provider be specific instead of vague. A provider that answers all five in writing is one you can build on. One that stays vague on any of them is telling you where the problem will be.