Crypto exchange: business bank account help after a complex ownership structure
Refused over a complex ownership structure? Xavion helps crypto exchanges assess the obstacle, prepare the relevant evidence and seek a suitable business bank account. We review your business before accepting the case, rather than send the same application to another provider.
We review your business first. Approved cases are guaranteed onboarding.
- Decline reason
- A complex ownership structure
- Your sector
- Crypto exchange
- Account type
- business bank account
- First step
- Business assessment
- Service
- Evidence preparation & placement
- Guarantee
- Onboarding for approved cases after review
A placement plan for your business, not another blind application
Decline assessment
Trace ownership and control through each entity and explain the commercial purpose of the layers.
Application evidence
An ownership-and-control chart linked to registers and relevant trust or foundation documents.
Sector-specific placement brief
Separate customer fiat deposits, company fees and treasury conversions, identifying custody and on/off-ramp counterparties. We use a sample deposit-to-trade-to-withdrawal trail, the applicant's authorisations and wallet-screening procedures to explain the model, not just its industry label.
What we need to establish before accepting your case
- Can every ownership layer and controlling individual be evidenced from the records?
- The answer determines which evidence is missing and whether this is a correctable application issue or a restriction that prevents placement.
- What money will this business bank account handle?
- Separate customer fiat deposits, company fees and treasury conversions, identifying custody and on/off-ramp counterparties. The key distinction is whether the account must handle customer assets or only the exchange's operating revenue.
- What does a workable account need to support?
- Tell us the incoming and outgoing currencies, payment countries, monthly volumes and whether balances belong to the company or its customers. These determine the facility to seek.
Evidence we may need
Send the decline and a short business summary first. We confirm which records are relevant; not every item applies to every case.
- +Group structure chart
- +Registers of directors and shareholders
- +Trust or foundation deeds where relevant
- +VASP registration or licence
- +AML/CFT policy
- +Blockchain analytics provider contract
What this service cannot bypass
- -A diagram alone is not proof of ownership, and nominees cannot be used to hide controllers.
- -We do not conceal ownership, funds origins or the real business activity. Unlawful activity cannot be fixed by a better application.
If the model itself is not lawful or licensable, no application fixes that, and we will say so at the review stage.
Our approach to a complex ownership structure
Trace ownership and control through each entity and explain the commercial purpose of the layers. The practical output is an ownership-and-control chart linked to registers and relevant trust or foundation documents.
For crypto exchanges, we connect that work to a sample deposit-to-trade-to-withdrawal trail, the applicant's authorisations and wallet-screening procedures. The decision is not simply whether a provider accepts your industry: it is whether the account must handle customer assets or only the exchange's operating revenue. If the records do not answer the issue, we identify the gap before presenting an application.
Banking for the actual funds flow
We clarify who owns the money, the purpose of incoming and outgoing transfers, currencies and counterparties, and whether you need an operating account or a separate client-money arrangement. Banking placement does not automatically include card processing, lending or safeguarding. Those requirements must be identified separately rather than assumed to come with an account.
From review to provider onboarding
We review the decline, ownership and operating model first. We then identify the evidence gaps, prepare a provider-facing explanation and seek a placement route that fits the activity and required payment features. Any proposed terms need to be reviewed before you commit.
For cases Xavion approves after reviewing the business, we guarantee successful onboarding with a suitable bank or payment provider. Not every case is accepted. Xavion is an intermediary, not a bank or acquirer; providers perform their own checks and decide the facilities and terms they offer.
General information, not legal or tax advice. Every bank and payment provider makes its own final decision; Xavion is an intermediary, not a bank, acquirer or processor.
- Can you help crypto exchanges after a complex ownership structure?
- We can assess the case and the evidence needed for a suitable placement route. Trace ownership and control through each entity and explain the commercial purpose of the layers. A diagram alone is not proof of ownership, and nominees cannot be used to hide controllers. We only accept a case after reviewing the business; a previous refusal does not by itself establish that a replacement account is available.
- What should I send for the first assessment?
- Start with the decline or termination correspondence, your company country, website and the business bank account features you need. For this issue, relevant evidence includes group structure chart, registers of directors and shareholders, trust or foundation deeds where relevant. Tell us what is unavailable rather than creating or altering records. We confirm what is needed for the actual case.
- What is different about placing crypto exchanges?
- Separate customer fiat deposits, company fees and treasury conversions, identifying custody and on/off-ramp counterparties. We need to understand whether the account must handle customer assets or only the exchange's operating revenue. Relevant supporting material includes a sample deposit-to-trade-to-withdrawal trail, the applicant's authorisations and wallet-screening procedures. This lets us present the operating model accurately instead of submitting only a generic industry description.
- What is guaranteed, and how long will it take?
- Xavion guarantees successful onboarding for cases it approves after reviewing the business, not for every applicant. We do not promise a particular provider, account feature or completion date before review. Timing depends on evidence gaps, any required legal or regulatory work, and the provider's checks.
Let’s assess your route to a suitable account
Tell us where your business operates, what the provider said about a complex ownership structure, and what you need the business bank account to do. Start with a summary; do not send identity documents through chat.