{"id":10826,"date":"2026-10-29T22:29:58","date_gmt":"2026-10-29T22:29:58","guid":{"rendered":"https:\/\/paybis.com\/blog\/?p=10826"},"modified":"2026-10-29T22:32:18","modified_gmt":"2026-10-29T22:32:18","slug":"what-on-chain-october","status":"publish","type":"post","link":"https:\/\/paybis.com\/blog\/what-on-chain-october\/","title":{"rendered":"What\u2019s On-Chain: October 2026 Product Updates for Fintech and EMI Partners"},"content":{"rendered":"<div class=\"text-bg-color\" id=\"block_bedb208a3877316de41325e62febd80e\">\r    <div class=\"text-bg-color__content\">\r        <div class=\"text-bg-color__title\">Key Takeaways<\/div>        <ul>\n<li><strong>Access by role:<\/strong> Every person on your team gets their own login, with access matched to their role.<\/li>\n<li><strong>Controlled withdrawals:<\/strong> Withdrawal rights stay with the people you choose.<\/li>\n<li><strong>One-time codes:<\/strong> Every withdrawal needs a code from an authenticator app on the sender\u2019s phone.<\/li>\n<li><strong>Approved wallets:<\/strong> Your account owner can limit withdrawals to a list of approved addresses, whoever sends them.<\/li>\n<li><strong>Licence pairing:<\/strong> Paybis holds a MiCA CASP authorisation and a PSD2 payment institution licence in Latvia.<\/li>\n<li><strong>Next up:<\/strong> Team management in the portal and approved bank accounts for fiat payouts.<\/li>\n<\/ul>\n    <\/div>\r<\/div>\n\n\n<p class=\"wp-block-paragraph\">October&#8217;s updates to <a href=\"https:\/\/paybis.com\/corporate\/\">Paybis Global Account<\/a>, the single balance for corporate fiat and crypto, focus on who can do what inside a company account. Team members get access matched to their role, and every withdrawal needs a one-time code. Account owners can also limit payouts to approved wallet addresses. Updates for the <a href=\"https:\/\/paybis.com\/business\/on-off-ramp\/\">Paybis On\/Off Ramp<\/a> are covered in a separate post. Each section below opens with a short answer, and the table sums up everything in one view.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What changed in Paybis Global Account in October 2026?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Three account controls are available now: role-based team access, one-time codes on withdrawals and approved wallet addresses. Two further updates are planned for the portal and for fiat payouts.<\/p>\n\n\n\n<style>\n#pb-defi-compare115 {\n  all: revert;\n  font-family: 'Graphik', 'Inter', 'Segoe UI', system-ui, -apple-system, sans-serif;\n  box-sizing: border-box;\n}\n#pb-defi-compare115 *, #pb-defi-compare115 *::before, #pb-defi-compare115 *::after { box-sizing: border-box; margin: 0; padding: 0; }\n#pb-defi-compare115 {\n  --primary: #090B1C; --secondary: #5F70DB; --secondary-lt: #A4A7E3;\n  --row-odd: #ffffff; --row-even: #F4F5FF; --border: #C7CBE8; --text: #090B1C; --text-muted: #6B7280;\n}\n#pb-defi-compare115 .table-container { border-radius: 14px; box-shadow: 0 6px 32px rgba(9,11,28,.1); overflow: hidden; border: 1px solid var(--border); }\n#pb-defi-compare115 table { width: 100%; border-collapse: collapse; table-layout: fixed; }\n#pb-defi-compare115 col:nth-child(1) { width: 22%; }\n#pb-defi-compare115 col:nth-child(2) { width: 34%; }\n#pb-defi-compare115 col:nth-child(3) { width: 24%; }\n#pb-defi-compare115 col:nth-child(4) { width: 20%; }\n#pb-defi-compare115 thead tr { background: var(--row-even); }\n#pb-defi-compare115 thead th { padding: 18px 16px; text-align: left; color: var(--text-muted); font-size: 11px; font-weight: 400; letter-spacing: .08em; text-transform: uppercase; border-bottom: 2px solid var(--secondary-lt); }\n#pb-defi-compare115 thead th:not(:last-child) { border-right: 1px solid var(--border); }\n#pb-defi-compare115 tbody tr:nth-child(odd)  { background: var(--row-odd); }\n#pb-defi-compare115 tbody tr:nth-child(even) { background: var(--row-even); }\n#pb-defi-compare115 tbody tr:not(:last-child) td { border-bottom: 1px solid var(--border); }\n#pb-defi-compare115 tbody tr:last-child td { border-bottom: none; }\n#pb-defi-compare115 tbody td { padding: 16px; vertical-align: top; font-size: 14px; font-weight: 400; color: var(--text); line-height: 1.6; border-right: 1px solid var(--border); }\n#pb-defi-compare115 tbody td:last-child { border-right: none; }\n#pb-defi-compare115 tbody td:first-child { font-weight: 600; color: var(--primary); }\n#pb-defi-compare115 .status-available { display: inline-block; padding: 3px 10px; border-radius: 999px; background: #E6F4EA; color: #1E7B3C; font-size: 12px; font-weight: 600; }\n#pb-defi-compare115 .status-planned { display: inline-block; padding: 3px 10px; border-radius: 999px; background: #F0F1FD; color: var(--secondary); font-size: 12px; font-weight: 600; }\n@media (max-width: 600px) { #pb-defi-compare115 tbody td, #pb-defi-compare115 thead th { padding: 10px 8px; font-size: 12px; } }\n<\/style>\n<div id=\"pb-defi-compare115\">\n  <div class=\"table-container\">\n    <table>\n      <colgroup><col \/><col \/><col \/><col \/><\/colgroup>\n      <thead>\n        <tr>\n          <th>Update<\/th>\n          <th>What it does<\/th>\n          <th>Who sets it<\/th>\n          <th>Status<\/th>\n        <\/tr>\n      <\/thead>\n      <tbody>\n        <tr>\n          <td>Role-based team access<\/td>\n          <td>Gives each person their own login, with access matched to their role<\/td>\n          <td>Account owner, through Paybis Operations<\/td>\n          <td><span class=\"status-available\">Available<\/span><\/td>\n        <\/tr>\n        <tr>\n          <td>One-time withdrawal codes<\/td>\n          <td>Requires a code from an authenticator app on the sender&#8217;s phone for every withdrawal<\/td>\n          <td>Each sender<\/td>\n          <td><span class=\"status-available\">Available<\/span><\/td>\n        <\/tr>\n        <tr>\n          <td>Approved wallet addresses<\/td>\n          <td>Sends withdrawals only to addresses on a list the account owner approved<\/td>\n          <td>Account owner<\/td>\n          <td><span class=\"status-available\">Available<\/span><\/td>\n        <\/tr>\n        <tr>\n          <td>Team management in the portal<\/td>\n          <td>Lets company owners add users and set access directly in the portal<\/td>\n          <td>Account owner<\/td>\n          <td><span class=\"status-planned\">Planned<\/span><\/td>\n        <\/tr>\n        <tr>\n          <td>Approved bank accounts for fiat payouts<\/td>\n          <td>Sends fiat payouts only to external bank accounts on an approved list<\/td>\n          <td>Account owner<\/td>\n          <td><span class=\"status-planned\">Planned<\/span><\/td>\n        <\/tr>\n      <\/tbody>\n    <\/table>\n  <\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Can each person on your team get access that matches their role?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yes. Every person on your team has their own login, with access matched to their role. This setup is often called role-based access control.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">An accountant sees current balances and transaction reports. A financial manager can also withdraw funds in crypto or fiat. Withdrawal rights stay with the people you choose.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Role-matched views:<\/strong> each person sees what their job calls for.<\/li>\n\n\n\n<li><strong>Controlled withdrawals:<\/strong> only the people you choose can move funds out.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">How do one-time codes protect every withdrawal?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Every withdrawal needs a one-time code from an authenticator app on the sender&#8217;s phone. An authenticator app generates a short-lived code that works once.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Setting it up means scanning a QR code. After that, funds move only with the code from the sender&#8217;s phone.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Can withdrawals go only to approved wallet addresses?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yes. Your account owner can approve a list of wallet addresses. Withdrawals then go only to those addresses, whoever sends them.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The approved list stays in force even if an account or a phone is hacked. A stolen login or phone cannot send funds to an address the owner did not approve.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Where is Europe&#8217;s crypto infrastructure being built?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Paybis Co-Founder and Chief Business Development Officer (CBDO) Konstantins Vasilenko answers: in the Baltics. He wrote about it in The Fintech Times in October 2026. Companies there hold a crypto licence and a payments licence at the same time.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">&#8220;In the Baltics, firms are combining crypto authorisation with the payment infrastructure needed to connect digital assets to the rest of the financial system.&#8221;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Konstantins Vasilenko, Co-Founder and CBDO, Paybis, The Fintech Times, October 2026<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Paybis holds a MiCA crypto-asset service provider (CASP) authorisation and a PSD2 payment institution licence, both in Latvia. It is also registered as a money services business in the US and Canada. <a href=\"https:\/\/paybis.com\/blog\/how-mica-affects-exchanges\/\">Read how MiCA affects exchanges and on-ramps<\/a> for the rules behind the first authorisation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What is coming next to Global Account?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Two updates are planned: team management inside the portal and approved bank accounts for fiat payouts.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Team management moves fully into the portal:<\/strong> company owners will add users and set their access directly in the portal, instead of going through Paybis Operations.<\/li>\n\n\n\n<li><strong>Approved bank accounts for fiat payouts:<\/strong> fiat payouts will follow the same approach as approved wallets. They will go only to external bank accounts you have added to an approved list.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Bottom line<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">October&#8217;s updates give a company account owner tighter control over people and payouts. Roles limit what each person sees and does. One-time codes confirm every withdrawal, and approved wallets decide where funds can go. The planned portal and bank account updates extend the same controls.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If your team needs this level of control over a shared crypto and fiat balance, <a href=\"https:\/\/paybis.com\/contacts\/\">get in touch with the Paybis team<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Related reading<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/paybis.com\/blog\/whats-on-chain-october\/\">What&#8217;s On-Chain: October 2026 Product Updates for Paybis Partners<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/paybis.com\/blog\/whats-on-chain-may-2026\/\">What&#8217;s On-Chain: May 2026 Product Updates for Paybis Partners<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/paybis.com\/blog\/how-to-accept-crypto-payments-as-a-business-with-fiat\/\">How to Accept Crypto Payments as a Business, with Fiat Settlement<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/paybis.com\/blog\/crypto-acquirer-vs-crypto-payment-gateway-key-differences-explained\/\">Crypto Acquirer vs Crypto Payment Gateway: Key Differences Explained<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/paybis.com\/blog\/embedded-crypto-exchange-and-swap-api\/\">Embedded Crypto Exchange and Swap API for Fiat-to-Crypto On-Ramp Integration<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Crypto assets are high risk. Prices can fall as well as rise, losses are possible, and investors should not expect protection. This content is not intended for readers in the United Kingdom.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>October&#8217;s updates to Paybis Global Account, the single balance for corporate fiat and crypto, focus on who can do what inside a company account. Team members get access matched to their role, and every withdrawal needs a one-time code. Account owners can also limit payouts to approved wallet addresses. Updates for the Paybis On\/Off Ramp [&hellip;]<\/p>\n","protected":false},"author":28,"featured_media":9867,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":true,"inline_featured_image":false,"footnotes":""},"categories":[131,138,139,273],"tags":[],"businesses_tag":[274,329],"class_list":["post-10826","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","category-product-updates","category-starred-features","category-partnerships","businesses_tag-partner","businesses_tag-product-updates"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What\u2019s On-Chain: October 2026 Paybis Fintech Updates<\/title>\n<meta name=\"description\" content=\"October 2026 Paybis Global Account updates: role-based team access, one-time codes on every withdrawal, approved wallets and what 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