Refused by banks? Guaranteed onboarding for approved high-risk businesses.
A rejection from one bank does not mean your business cannot be onboarded. We review your activity, ownership, licensing and payment flows first. Once Xavion approves your case, we guarantee successful onboarding with a suitable bank or payment provider, and handle the application through to an operational account.
Banking for your kind of business.
15 business typesInternational ownership, specialist activity or a previous refusal? We review the business and its actual payments, then match a suitable institution. Account capabilities and eligibility are confirmed for your case.
Crypto and Web3 companies
USD, EUR and GBP operating accounts, token receipts and documented crypto-to-fiat conversion.
iGaming and sports betting
Operator treasury, supplier payments and affiliate settlements.
E-commerce and online stores
Processor settlements, high-ticket sales and international suppliers.
Agencies and online services
Local currency collections, contractor payouts and banking matched to where the company and its owners live.
Creators and influencers
Platform income, brand contracts and business expenses across currencies.
Affiliate and performance marketing
Documented commissions, crypto conversion and publisher payments.
SaaS and digital services
Subscription settlements, software revenue and remote-team payments.
FX and online trading
Broker operating accounts; client-money requirements reviewed separately.
Commodities
Physical-trade settlement backed by contracts and shipment evidence.
Natural resources
Operating payments with documented origins and counterparties.
Import and export
Currency exchange, SWIFT and overseas supplier payments.
Logistics and freight
Payments to carriers, overseas agents and subcontractors.
Luxury businesses
High-value receipts, provenance and approved crypto settlement.
Travel businesses
Hotel, carrier and supplier payments matched to booking liabilities.
Holding companies and trusts
Group treasury, distributions and transparent ownership documentation.
International accounts by owner location
Bank refused your business? Write to us now.
Xavion helps European high-risk and crypto businesses find a suitable banking solution. Tell us your activity, company country, owners’ residence and the payments you need. Your initial consultation is free and without obligation; any paid work is agreed separately.
Guaranteed banking and payment processing solution for approved businesses. This applies only to cases Xavion approves, with a suitable bank or payment-provider account, not every applicant or a bank of your choice.
Based in Denmark, the Netherlands, Germany, Italy, France or Spain? We assess your company and ownership separately from where you live. EUR and SEPA needs, sector eligibility and account protection determine the route, not a generic list of banks.
European high-risk banking: eligibility and account requirements →Payment firm or EMI needing a customer-funds arrangement? Get a free consultation to assess your safeguarding account route.
Safeguarding account opening for payment firms and EMIs →Banking jurisdictions
Where we open accounts.
Nineteen live banking and EMI jurisdictions for business accounts.
High-risk business. A clear path beyond rejection.
A dedicated resource for regulated businesses in categories classified high-risk by card schemes and correspondent banks, crypto, iGaming, forex, adult, CBD, nutra, MLM, PSPs and high-ticket e-commerce. What the classification means, the specialist institutions we work with, and realistic timelines.
Detailed sector guides
Rails, documents and timelines for each specialist sector.
Four pillars of a bankable file.
Bank, EMI and acquirer mapping
A working map of which institutions are actually onboarding which client profiles this quarter, refreshed monthly, not annually.
Pre-packaged file
Corporate documents, source-of-funds, flow-of-funds, counterparty disclosure, transaction-monitoring posture, sanctions screening evidence. The file most clients arrive with is the file that gets declined.
Sequencing across the stack
Operating, segregated client, safeguarding, FX, acquiring and crypto-fiat, each goes to the institution best suited to it, in the order least likely to burn the next.
Stay-in-the-room support
We work alongside the relationship manager and compliance team through KYC, EDD and periodic reviews until accounts are operational, and through the first annual review.
What operators actually ask before they commit.
What does 'specialist banking' mean?
It's a banker's category, not a moral one. A merchant or operating company is flagged when the bank's automated systems mark it on industry code, geography, ticket size, chargeback exposure or counterparty type. Crypto, iGaming, forex, adult, nutra, MLM, MSB, high-ticket e-commerce and most digital-asset operators are all flagged by default. The work is convincing a real underwriter, with a real file, that the actual flow is bankable.
Which industries do you actually get onboarded?
Crypto exchanges, OTC desks, market makers, token issuers, mining and validator infra, iGaming and sportsbook operators, forex / CFD brokers, prop trading firms, PSPs and MSBs, neobanks and EMIs, NFT and Web3 marketplaces, high-ticket e-commerce, CBD / nutra brands, adult and dating operators, MLM and network marketing, precious metals and bullion, and family offices holding digital-asset wealth. Every vertical above has live banking and acquiring relationships behind it.
Can you guarantee an account opening?
Yes, Xavion guarantees successful onboarding for cases we approve after reviewing the business. The solution may be a bank or payment-provider account, depending on your needs. An enquiry or assessment is not approval, and the guarantee does not apply to every applicant or promise acceptance by a bank of your choice. Each institution still carries out its own compliance checks.
What's a realistic timeline for specialist banking onboarding?
Six to twelve weeks for a clean file at a single institution. Multi-jurisdictional stacks (operating bank + EMI + acquiring + crypto-fiat rail) typically run three to six months, sequenced so a declined application at one institution doesn't poison the others.
Do you work with crypto-friendly banks specifically?
Yes, across Asia, Middle East, the EU and select Caribbean. We maintain a working map of which institutions are actually onboarding which client profiles this quarter, not last year's marketing list.
Why do banks decline files you've previously got approved?
Because risk appetite at any single bank moves quarter-to-quarter. Sequencing matters: we don't burn a top-tier relationship on a marginal file. We pre-package, pre-validate with the relationship manager, and only then submit.
Do you handle EMIs, acquiring and PSPs as well as bank accounts?
Yes. Most operators in specialist verticals need a stack, operating bank, EMI for multi-currency and stablecoin, card acquiring or PSP for end-user flow, and a digital-asset specialist for crypto-fiat conversion. We design and sequence the full stack.
What about safeguarding accounts for licensed PIs and EMIs?
Safeguarding is one of the hardest accounts to open and the one regulators scrutinise hardest. We work with the small set of institutions that actively offer safeguarding to licensed PIs, EMIs and SVF holders in the UK, EU, Singapore and Hong Kong.
Will you work with us if our source-of-wealth story is messy?
Only if we can rebuild it to a standard that survives underwriting. We will not file a half-built source-of-wealth narrative, it burns the relationship for the client and for us.
Banking rarely stands alone
All services →Banking files are strongest when the entity, residency and listing strategy are designed together. The most common adjacencies:
The entity has to be the right vehicle for the bank, not the other way around.
A new passport is only useful if private banks recognise it on day one.
Tax residency anchors the source-of-wealth story banks underwrite against.
We review your case. If approved, we guarantee onboarding.
Tell us what your business does, where it is registered, how the money moves and why banks refused you. We assess whether your case qualifies for guaranteed onboarding. The guarantee begins only when we approve your case, not when you submit an enquiry.