Regulated crypto Banking-as-a-Service for European banks and fintechs

Yes. Under a Banking-as-a-Service agreement, Bit2Me can act as regulated counterparty and CASP licence holder under MiCA, while your bank or fintech designs the client experience and internal governance. The model provides regulated reliance: your entity retains responsibility for onboarding, counterparty controls and internal oversight, and we execute custody, operations and reporting as a provider supervised by CNMV and Bank of Spain. Before signing, we complete bilateral due diligence, responsibility matrices, shared AML/KYC protocols and validation with your legal, risk and compliance teams. This does not replace assessment by your supervisor: each deployment requires internal approval and alignment with your third-party policy and banking outsourcing framework under EBA guidelines and your risk committee policy. Institutional clients receive a dedicated relationship manager and regulatory liaison to support ongoing supervisory dialogue throughout the partnership lifecycle.

We deliver an institutional dossier designed for risk committees, internal audit and banking supervisors. It includes audited financial statements, security certifications (ISO 27001 or equivalents), AML/KYC policies, Travel Rule procedures, CNMV and Bank of Spain supervision reports, penetration testing results, infrastructure architecture and business continuity plans. We also provide BaaS service RACI matrices, fund segregation description, incident management policies, SLAs, technology dependency maps and evidence of operational monitoring. The package adapts to the level of detail your critical third-party process requires: from initial questionnaires to technical sessions with CISO, compliance and treasury teams. Documentation is updated regularly to reflect supervisory developments under MiCA and evolving EBA outsourcing guidance. We can tailor annexes for your internal audit, model risk and operational resilience workstreams.

The retail Crypto API is aimed at technical integrators seeking fast endpoints for standard digital products. The BaaS programme for banks and fintechs goes much further: it includes an institutional framework agreement, agreed SLAs, direct C-level interlocution with banking and compliance teams, modular components (MiCA custody, fiat ramping, OTC desk, shared KYC/AML and reporting) and documentation aligned with banking outsourcing. Deployment also covers extended bilateral due diligence, controlled-environment testing, a joint contingency plan and regulatory reporting shareable with your supervisor. It is not just about connecting APIs: it is a regulated partnership model where Bit2Me assumes the CASP layer and you maintain the end-client relationship under your brand. If your risk committee requires banking language, framework contracts and evidence for supervisors, the BaaS path is appropriate; the retail API remains for technical teams with limited commercial autonomy.

Yes. Most banks and fintechs we work with begin with a limited pilot: a single market, one module (custody, ramping or OTC trading) and a capped volume of internal clients or a closed beta. This approach validates technical integration, shared AML flows, reporting and user experience before scaling product across the full portfolio. Together we define success criteria, timelines, operational limits and a joint steering committee spanning legal, risk and product. The pilot includes a sandbox or pre-production environment, team training, daily monitoring and quarterly review with your internal supervisor. Once compliance, performance and committee milestones are met, we activate gradual expansion: new assets, additional fiat corridors or a broader commercial launch. We do not require minimum volume commitment during the pilot phase; the goal is to demonstrate regulated viability under MiCA with controlled risk for both parties.

Under the MiCA framework, a Spanish bank can offer crypto-asset services to its clients without obtaining its own CASP licence if it relies on an authorised provider through regulated agreements and a well-documented reliance model. Bit2Me operates as a CASP with MiCA authorisation and CNMV/Bank of Spain supervision, enabling credit institutions or fintechs to integrate buy, custody, exchange or transfer of digital assets by delegating technical execution and operational compliance to us. However, the supervised entity retains counterparty obligations: assessing the provider, defining shared controls, notifying the supervisor when required and ensuring distribution to end clients complies with MiCA and applicable banking regulation. Each project requires individual analysis with your legal teams and validation by your supervisory authority. Bit2Me supports with an institutional dossier, responsibility matrix and regulatory communications support, but the final decision rests with the board and the bank third-party policy.

Bit2Me provides documentation and controls oriented to the outsourcing and third-party management processes required of financial entities in the EU. We supply evidence of corporate governance, financial and security audits, AML/KYC policies, business continuity plans, incident management, fund segregation and CNMV supervision reports. Our institutional team collaborates on EBA questionnaires, service criticality analysis, penetration testing and annual reviews agreed in contract. SLAs, audit rights, subcontracting and data location are negotiated in the BaaS framework agreement according to your entity risk profile. We operate from Spain under MiCA with full operational traceability. Each bank or fintech assesses fit with internal policies and cross-border requirements; we provide transparency and evidence to accelerate your risk committee without replacing your final responsibility as a supervised institution.