Crypto & Digital Assets
Digital-Asset Businesses Still Run on Fiat Rails
Whatever your customers buy, they pay in dollars first — and the card-acceptance side of a crypto business is often harder to arrange than the crypto side. We place digital-asset merchants with acquirers that underwrite the category knowingly.
The Problem
Volatility disputes and compliance uncertainty
Acquirers worry that customers who buy digital assets and watch them fall will dispute the purchase, and that a merchant's AML and licensing posture won't survive scrutiny. Card networks impose specific coding and rules on crypto purchases, and accounts boarded under generic e-commerce codes are terminated when the mismatch surfaces. Many banks simply decline the category rather than build the expertise to underwrite it.
What We Deliver
The working parts
01
AML and licensing file preparation
Your registrations, KYC procedures, and compliance program are organized into the underwriting file, because in this category the compliance posture is the application.
02
Correct crypto transaction coding
Accounts boarded under the card-network codes designated for digital-asset purchases, so the account matches the business on the network's own terms.
03
Chargeback defense for volatility disputes
Delivery confirmation, wallet-credit records, and terms acknowledgment structured as evidence, so buyer's-remorse disputes are answerable.
04
Placement with crypto-experienced acquirers
We work with banks that have made a considered decision to serve digital-asset merchants, not ones testing the water with your account.
05
Settlement and reserve structuring
Settlement timing and reserve terms negotiated for the cash-flow reality of an on-ramp business, with scheduled reviews as history accrues.
Also in High-Risk Expertise
Send one statement. Get a straight answer.
We'll separate interchange from markup, show you what's negotiable, and put a recommendation in writing — whether or not you sign with us.
No exclusivity · No pressure · A written analysis either way