Directory/Januar
Januar

Januar

Contact
Visit website
Category
  • Digital Wallets
  • Ecommerce
  • Exchanges
  • Fintechs
  • Gaming
Use Cases
  • B2B Payments
  • Cross-Chain Transfers
  • E-commerce Payments
  • Payment Settlement
  • Payouts and Payroll
Circle Products Used
  • USDC
  • EURC
  • Mint
Blockchains Supported
  • Arbitrum
  • Base
  • Ethereum
  • Polygon PoS
  • Solana
On/Off-Ramps
  • Yes
Platform
  • Web
Free/Paid
  • Paid
Region
  • Europe
Country
  • Austria
  • Belgium
  • Bulgaria
  • Croatia
  • Cyprus
Support
Andreas Keinicke

Account and payment services for the onchain economy.

Januar is the financial infrastructure provider for crypto businesses.

We enable seamless and compliant fiat-to-crypto money flows by offering fiat business accounts and payments solutions integrated with crypto wallet and trade solutions in a one-stop platform.

Our products include: the Januar Account, Embedded Accounts, Wallet and Custody, Embedded Wallets, Crypto Trading with full on- and off-ramping, FX, and the Januar Instant Network (JIN).

Januar holds a payment institution license with the Danish FSA (Financial Supervisory Authorities) and actively serves customers across all EEA markets.

Use Cases

Broker-Dealer: Access Crypto-Friendly Accounts

Example Use Case: A crypto broker offers fiat on/off-ramps via client-specific IBANs. Company Type: Registered crypto exchange, trading platform, or custody provider. How Januar Helps: Each client receives a named IBAN account for SEPA deposits. The platform automates KYC, funding, and reconciliation—enabling instant trading. Key Benefits: (1) same-day client onboarding and deposits, (2) frictionless fiat-crypto transitions, (3) custody-agnostic backend, and (4) a better client experience along with compliance traceability.

Fintech/PSP: Embed Multi-Currency Payments

Example Use Case: A fintech issues crypto-backed debit cards with fiat off-ramps. Company Type: Consumer fintech or Payment Service Provider (PSP). How Januar Helps: The fintech embeds Januar's infrastructure to create user wallets and issue named IBAN accounts, enabling deposits, card top-ups, and stablecoin transactions. Key Benefits include: (1) fast market launch with ready-made infrastructure, (2) real-time EUR/USDC rails, (3) regulated setup with auditability, and (4) built-in compliance features for onboarding.

Merchant: Receive Payments from Global Customers

Example Use Case: A sneaker resale marketplace accepts stablecoins and settles in EUR/USD. Company Type: Online marketplace or e-commerce business (e.g., sneakers, event tickets, electronics). How Januar Helps: Marketplaces can integrate Januar to accept crypto or stablecoin payments from global buyers and auto-convert to fiat payouts for EU-based sellers via IBANs. Key Benefits include: (1) global reach with stablecoin acceptance, (2) instant euro settlement to vendors, (3) reduced FX and payment processor fees, and (4) improved reconciliation and payout flows.

International Business: Transact Globally & Settle Locally 24/7

Example Use Case: A logistics company pays South American suppliers using stablecoins, settling in EUR/USD. Company Type: SME with an international supply chain (e.g., logistics, import/export, manufacturers). How Januar Helps: The company receives payments in EUR via IBANs and pays suppliers in digital dollars or local currency, with fast, low-cost settlement - bypassing SWIFT. Key Benefits include: (1) near-instant global settlement, (2) 24/7 payments vs. SWIFT delays, (3) better liquidity management, and (4) avoiding high FX and wire fees.

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Ready to connect with Januar?

Digital assets are subject to a number of risks, including price volatility. Transacting in digital assets could result in significant losses and may not be suitable for some consumers. Digital asset markets and exchanges are not regulated with the same controls or customer protections available with other forms of financial products and are subject to an evolving regulatory environment. Digital assets do not typically have legal tender status and are not covered by deposit protection insurance. The past performance of a digital asset is not a guide to future performance, nor is it a reliable indicator of future results or performance. Additional disclosures can be found on the Legal and Privacy page.

Circle Internet Financial, LLC (NMLS ID# 1201441). Circle Internet Financial, LLC is licensed as a Money Transmitter by the New York State Department of Financial Institutions and to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. Texas customers click here for information about filing complaints. Maryland customers click here for information about filing complaints.

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