Directory/Januar
Januar

Januar

Contact
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Category
  • Digital Wallets
  • Fintechs
  • Infrastructure Providers
  • Payments
Use Cases
  • B2B Payments
  • Payment Settlement
  • Trading and Swapping
  • Treasury Management
  • US Dollar Access
Circle Products Used
  • USDC
  • EURC
  • Mint
Blockchains Supported
  • Arbitrum
  • Base
  • Ethereum
  • Polygon PoS
  • Solana
On/Off-Ramps
  • Yes
Platform
  • Web
Region
  • Europe
Country
  • Austria
  • Belgium
  • Bulgaria
  • Croatia
  • Cyprus
Support
Teis Reed

Regulated financial infrastructure for fiat, stablecoins, and digital assets.

Januar enables seamless and compliant money flows across traditional currencies, stablecoins, and digital assets through one integrated financial platform.

Januar holds both a Payment Institution license under PSD2 and a Markets in Crypto-Assets (MiCA) license from the Danish Financial Supervisory Authority. Together, these regulatory permissions allow Januar to provide account-based payment services and regulated crypto-asset services across the EEA, helping businesses operate confidently across fiat and stablecoin ecosystems.

Through Januar, customers can access regulated fiat accounts, payments, crypto wallets, trading, and embedded financial infrastructure in one place. Our liquidity solutions enable direct conversions between EUR and digital assets including BTC, ETH, SOL, and TRON. Customers can also mint and redeem stablecoins directly using EUR, creating efficient connections between traditional payment rails and onchain finance.

The entire platform is powered by a unified API, allowing businesses to integrate once and execute these fiat, stablecoin, and digital asset flows with a single click.

The problem we set out to solve was de-banking. Crypto companies were building the future of finance, yet many could not access the basic financial infrastructure needed to operate. We believed compliant digital asset businesses should not be held back by outdated systems or blanket risk aversion. That is why Januar exists: to give digital-asset businesses the financial freedom, regulatory continuity, and operational reliability they need to grow across Europe.

Use Cases

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 PSP. How Januar Helps: The fintech/PSP embeds Januar's infrastructure to create user wallets and issue named IBAN accounts, enabling deposits, card top-ups, and stablecoin transactions. Key Benefits: (1) fast market launch with ready-made infrastructure, (2) real-time EUR/USD 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 and e-commerce businesses 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: (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: SMEs can receive payments in EUR via IBANs and pay suppliers in digital dollars or local currency with fast, low-cost settlement - bypassing SWIFT. Key Benefits: (1) near-instant global settlement, (2) 24/7 payments vs. SWIFT delays, (3) better liquidity management, and (4) avoiding high FX and wire fees.

CASP: Launch a Compliant EMT Wallet

Example Use Case: A crypto asset service provider enables customers to deposit, hold, send, receive, and withdraw e-money tokens. Company Type: MiCA-authorized crypto exchange, trading platform, custodian, broker, or wallet provider. How Januar Helps: Januar’s EMT Wallet solution provides the PSD2-regulated payment layer required for qualifying EMT wallet and transfer services. It combines a safeguarded custodial wallet, API-based customer deposit addresses, automated fund sweeping, segregated blockchain-fee handling, and optional EMT trading - all without disrupting the existing customer experience. Key Benefits: (1) become PSD2-compliant in as little as two weeks, (2) avoid obtaining a separate Payment Institution license, (3) safeguard and segregate customer funds, and (4) manage customer addresses and EMT payment flows through a single API integration.

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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.

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