Keytom

Keytom is a crypto-friendly account for individuals and businesses that bundles a euro IBAN, crypto balances and a Visa card in one app. Users hold EUR, USD, BTC, ETH, USDC, XRP and TON, convert between fiat and digital assets through a built-in exchange, and pay with automatic conversion at checkout, up to $150,000 per transaction, with a named IBAN on personal accounts for salary and platform settlements.

On the business side it offers pay-ins and payouts, batch transfers and cross-border settlement, with fully online onboarding that takes minutes for individuals and three to seven business days for companies. Coverage extends to more than 150 countries, accounts support multiple user permissions and statement exports, cards are issued in physical and virtual form with ATM access, and revenue comes from account fees and conversion spreads rather than a trading venue.