Banking infrastructure for business

Safeguarding
Accounts

Magnetiq Bank provides EU-compliant safeguarding accounts for regulated fintech and crypto-asset businesses operating under or preparing for compliance with MiCA and other applicable European regulatory frameworks.

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Client Funds Protected

Built for Fintech &
Crypto Businesses

Payment Service Providers (PSPs)
Crypto-Asset Service Providers (CASPs)
Investment Firms
Brokers
E-money Institutions
Fintech Platforms

A safeguarding account is a segregated bank account structured to hold client funds separately from a company’s operational funds. This structure ensures that client assets are not commingled with corporate funds and are handled in accordance with applicable EU regulatory requirements.

How It Works

Structured for Protection and
Regulatory Confidence

Client funds are kept separate from your operational accounts.
Funds are not used to meet company liabilities.
Account structures support regulatory compliance.
Transparent fund management enhances client confidence.

Our approach is designed to help regulated businesses meet safeguarding obligations while maintaining operational efficiency.

Why It Matters

Compliance Is Not Optional — It Is Strategic

Fintech and crypto businesses operating in Europe face safeguarding not merely as a regulatory requirement, but as a foundation for sustainable growth. A properly structured safeguarding account strengthens regulatory credibility, reduces operational risk, and enhances trust among partners and customers. It helps support compliance with MiCA requirements where applicable and demonstrates institutional-grade financial governance. In a rapidly evolving regulatory landscape, clarity, structure, and compliance are not just obligations. They are competitive advantages.

Why Magnetiq Bank

A Bank That Understands
Digital Assets

EU-regulated banking institution
Crypto-friendly approach
MiCA-aware compliance framework
Cross-border payment infrastructure
API-enabled integration
Dedicated support for regulated entities

Magnetiq Bank bridges traditional banking stability with deep fintech and crypto expertise.

We don’t just provide accounts — we provide structured financial infrastructure for growth.

FAQ

Questions
you may have

Are safeguarding accounts required under MiCA?

Safeguarding obligations depend on the nature of your regulated activities. Many crypto-asset and payment service providers are required to protect client funds through segregation mechanisms in line with EU legislation.

Can crypto businesses open safeguarding accounts?

Yes. Magnetiq Bank works with regulated crypto-asset service providers and other fintech companies operating within the EU regulatory framework.

Who can open a safeguarding account?

Safeguarding accounts are typically used by regulated entities such as payment service providers, crypto-asset service providers, investment firms, and e-money institutions operating within the EU.

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