Starting today, Januar clients can extend EUR account functionality to their own users through Embedded Accounts — a new feature that allows you to offer dedicated EUR IBANs via a seamless API integration, without the need to become a bank or take on regulatory complexity.

This launch marks an important milestone in our mission to provide crypto-native companies with regulated, compliant, and easy-to-integrate fiat infrastructure.

Why This Matters

As the digital asset ecosystem continues to evolve, more businesses are looking to deliver unified fiat and crypto experiences to their clients — without relying on external banks or building costly internal infrastructure.

With Embedded Accounts, your users get real EUR IBAN accounts issued and operated by Januar, while you retain full control of the experience through a secure and flexible API.

This means faster payment flows, simplified operations, and a dramatically better client experience — all under Januar’s regulatory and compliance framework.

Whether you're an exchange, custodian, fintech, or token project, Embedded Accounts enables you to scale your services with confidence.

What You Can Do With Embedded Accounts

Embedded Accounts link directly to your existing Januar Business Account and unlock powerful capabilities, including:

• Provide your clients with dedicated EUR IBAN accounts — no shared accounts or manual reconciliation
  
  
• Support SEPA and SEPA Instant for real-time, reliable transfers
  
  
• Hold client and operational funds separately with multi-account setups
  
  
• Automate payments and fee collection via API/webhooks
  
  
• Maintain full administrative oversight of all linked accounts and transactions
  
  
• Ensure compliance with full KYC/AML handled by Januar under our EU payment institution licence
  
  
• Rely on secure, high-availability infrastructure built specifically for crypto businesses
  
  

Built for Businesses Serving Businesses

If your company provides services to institutional or business clients, Embedded Accounts is tailored to your needs. For example, a crypto custody platform can use Embedded Accounts to assign a unique IBAN to each institutional client, enabling them to deposit EUR directly, hold balances on-platform, and initiate payouts — all while the custody platform retains full visibility and control.

This eliminates common pain points like delayed wires, fragmented liquidity, and manual fund tracing. Clients benefit from fast onboarding and seamless money movement, while your team benefits from operational efficiency, transparency, and automated workflows.

A Fully Compliant Embedded Finance Solution

Januar is licensed as a payment institution under the Danish FSA and operates in full compliance with EU 5AMLD standards. All EUR accounts are safeguarded and backed by trusted banking partners, giving you and your clients the confidence and peace of mind that funds are held securely and with full regulatory oversight.

We built Embedded Accounts to combine the reliability of traditional banking with the flexibility and speed expected in the crypto space — helping you deliver a fully integrated, compliant EUR experience without needing to become a regulated financial institution yourself.

Getting Started

Embedded Accounts are available today to existing Januar Business Account clients. To request access or learn how this feature can be embedded into your product offering, reach out to your Januar representative or contact our team directly.

We’re happy to walk you through the onboarding process, provide technical documentation, and help you explore use cases specific to your business model.

Embedded Accounts is fiat infrastructure designed for crypto-native businesses. Let us handle the compliance and complexity — so you can focus on building.

Contact us to get started here or at sales@januar.com