Frequently Asked Questions

The applicant must have a minimum capital of €1,000,000 (one million euros) or its equivalent in US dollars (USD), represented in Bitcoin (BTC). This capital must be evidenced through:

• Bank statements, or
• Certifications from trusted custodians, demonstrating that the assets are held in a wallet or exchange under the applicant's control.

The equivalent amount in Bitcoin (BTC) is calculated at the time of verification based on a verifiable reference rate. After compliance approval, the same amount (minimum capital) must be deposited in BTC to the designated wallet address to activate the account.

For the legal entity (company or investment vehicle):

• Certificate of incorporation and current bylaws
• Tax identification number (or equivalent)
• Proof of registered office address
• Certificate of appointment of legal representatives

For ultimate beneficial owners (individuals holding ≥ 25% ownership):

• Copy of a valid passport or national ID
• Proof of residence (utility bill not older than 3 months)
• Curriculum vitae or sworn affidavit regarding the source of funds

You must provide a clear description of the business activity or investment purpose, as well as documentation supporting the lawful origin of funds. Acceptable evidence includes audited financial statements, relevant contracts, or tax returns.

1. Submission: Complete documentation package (KYC/AML forms, corporate documents, capital evidence, business description and source of funds).
2. Compliance review: Typically takes 5 to 10 business days.
3. Approval & Agreement: Service agreement signed electronically.
4. Deposit & Activation: After signing, the account is activated, and the minimum capital (€1M in BTC equivalent) must be deposited to the designated wallet address.

Yes, the banking and securities dealer services are provided by a separate Swiss corporation (Aktiengesellschaft) that holds a full banking and securities dealer licence issued by FINMA under the Federal Banking Act. This licensed entity uses a distinct legal name and exclusively serves clients individually onboarded into the FIAT segment.

The CriptoBanc brand as a whole is backed by a consortium including a holding company in the Kingdom of Bahrain (subject to oversight by the Central Bank of Bahrain) and a Swiss limited liability company registered in the Commercial Register of the Canton of Zug.

For its digital asset division, CriptoBanc uses a fully segregated, non-custodial wallet structure where each client's assets remain individually attributable on-chain at all times. This model does not require a banking licence in Switzerland or Bahrain because the client never loses exclusive control over their private keys, consistent with FINMA guidance and the Central Bank of Bahrain's Digital Asset Regulatory Framework.

• A holding company incorporated in the Kingdom of Bahrain, active and subject to regulatory oversight of the Central Bank of Bahrain.
• A Swiss limited liability company registered in the Commercial Register of the Canton of Zug, Switzerland, operating under the Swiss Code of Obligations.

Both entities jointly hold the intellectual property rights to the CRIPTO BANC trademark, protected under the Madrid System (WIPO).

Absolutely. CriptoBanc adheres to:

• Swiss Federal Act on Data Protection (FADP), recognized as adequate under EU GDPR
• Bahrain’s Personal Data Protection Law
• General Data Protection Regulation (GDPR) where extraterritorial processing applies

AMCs are structured financial instruments that convert any active digital asset strategy into a formal, regulated security with a Swiss ISIN. They offer daily trading, NAV calculation, and institutional‑grade custody. AMCs are fully collateralized, segregated, and supervised under Swiss FINMA regulations.

We provide institutional staking (4–11% APY on PoS networks), automated DeFi yield farming, lending & borrowing, liquidity provision, delta‑neutral strategies, and options income strategies. All yield products offer daily liquidity and are secured by Swiss custody.

Minimum varies by asset: ETH (0.5 ETH), SOL (1 SOL), DOT (50 DOT). For larger institutional allocations, custom terms apply. APYs are estimates (e.g., Ethereum ~4.2%, Solana ~7.5%, Polkadot ~11%).

Our OTC desk provides zero‑slippage block trading for large orders (>$50k‑$100k). Clients submit RFQs, receive executable quotes within seconds, and settle directly via segregated Swiss custody accounts. We offer 24/7/365 coverage across 100+ assets.

Deep‑cold storage is the highest security standard: private keys are generated and stored entirely offline, in geographically distributed, nuclear‑blast‑rated vaults. Assets are fully insured (up to $500M), bankruptcy‑remote, and audited annually by Big‑4 firms. Minimum custody amount is $1M EUR equivalent.

Multi‑signature (multi‑sig) governance requires multiple independent private keys to authorize a transaction. We support M‑of‑N thresholds (2‑of‑3, 3‑of‑5, 5‑of‑9) and both protocol‑level (Bitcoin) and smart contract (Safe) implementations. Keys are stored on FIPS 140‑3 Level 3 HSMs.

We engineer fully personalized digital asset portfolios based on your risk profile, return objectives, and market views. Strategies include core long-term holdings, tactical blockchain exposures, market neutral, trend following, and thematic allocations (RWAs, DePIN, AI).

CriptoBanc Research delivers institutional‑grade intelligence: macro & monetary policy, on‑chain analytics, tokenomics valuations, institutional adoption flows, thematic reports, and portfolio strategy. Qualified clients receive monthly analyst calls, live dashboards, and bespoke reports.

Digital assets benefit from a non‑custodial on‑chain structure with deep‑cold storage and multi‑sig governance. Fiat currency services are provided by the Swiss FINMA‑licensed bank, which imposes strict capital requirements and client fund segregation. Infrastructure follows ISO 27001 cybersecurity standards and AML/CFT measures pursuant to FATF recommendations.

Yes. CriptoBanc provides up to $500M in institutional insurance from Lloyd's of London and leading Swiss insurers, covering third‑party theft, physical loss, cyber events, and insider collusion.

Keys are stored on FIPS 140‑3 Level 3 hardware security modules (HSMs) in Swiss vaults, with geographically distributed backups and Shamir Secret Sharing (5‑of‑9) to prevent single‑point loss.

• Bahrain: Personal Data Protection Law, Competition Law, and Central Bank of Bahrain crypto‑asset regulations.
• Switzerland: Federal Act on Data Protection (FADP), Anti‑Money Laundering Act (AMLA), FINMA guidance on virtual assets.
• EU: GDPR (extraterritorial).
• International: FATF standards, ISO 27001, UNCITRAL Model Law on Electronic Commerce.

Yes. We strictly enforce Anti‑Money Laundering policies, Know‑Your‑Customer verification, and transaction monitoring in line with Swiss and international standards. Ongoing monitoring is performed on all accounts and transactions.

The CBB’s Stablecoin Issuance and Offering (SIO) Module (effective July 2025) requires all stablecoin issuers to be licensed. The framework includes Sharia compliance standards and allows issuance of single‑currency stablecoins backed by BHD, USD, or other acceptable fiat currencies.

Yes. Under a single master agreement, you may open sub‑accounts in Switzerland and Bahrain. Assets are legally segregated per jurisdiction, and you can allocate capital according to your regulatory or geographical preferences.

Most core services (custody, staking, OTC, portfolio management) are available in both hubs. However, Actively Managed Certificates are issued only from Switzerland, while certain DeFi yield strategies are operated out of Bahrain.

The CBB's Crypto-Assets Module provides a comprehensive legal framework for crypto‑asset providers, covering licensing, custody, cyber security, listing, and client protection obligations. CriptoBanc holds a Category 3 license under this module.

We cover prudential returns (capital, liquidity), AML/CFT statistics, large exposures, cross‑border wire transfer reports (Travel Rule), CRS/FATCA, and custom client reporting. For institutional clients, we also generate on‑demand proof‑of‑reserve statements.

Our regulatory change management team monitors FINMA and CBB circulars in real time. The rules engine is updated within 5 business days of a regulatory change, ensuring continued compliance.

Yes. Every action, from data extraction to final submission, is logged in an immutable audit trail. The entire system is audited annually by an independent Big‑4 firm.