01 HIGHEST SAFETY SCORE
5.9 / 10
The world's most regulated crypto bank — for institutions
MiCA Compliant FINMA Banking LicenceMAS LicensedSwiss Regulated
● RANKED BY REGULATORY SAFETY 12 PLATFORMS UPDATED 13 MAR
أأمن البنوك المشفرة. بلا مفاجآت.
تم التصنيف بناءً على الترخيص التنظيمي، وحماية الودائع، وإثبات الاحتياطيات، وسجل الأداء بعد أزمة FTX. ويُعطى عامل الأمان التنظيمي وزنًا نسبيًا يبلغ 20% في منهجيتنا.
SK
§ 01 الأكثر أماناً أولاً
تصنيف حسب السلامة التنظيمية
02 EU BANKING LICENCE
8.5 / 10
The all-in-one account — banking, crypto, investing
MiCA Compliant UK Banking LicenceEU Banking LicenceFCA Regulated€100K DGS Protected
03 FDIC INSURED
7.0 / 10
The beginner-friendly US crypto account — NASDAQ-listed and FDIC-insured fiat
FDIC Insured NASDAQ ListedSEC RegisteredFDIC Insured (USD)FCA Registered (UK)
04 PROOF OF RESERVES
7.8 / 10
Highest yield + instant crypto loans
MiCA Compliant EU LicensedProof of ReservesArmanino Audited
05 FDIC INSURED
7.4 / 10
First major US crypto bank — FDIC-insured, exchange-backed
FDIC Insured FDIC InsuredNY BitLicence
06 FDIC INSURED
5.2 / 10
Stack sats on every purchase — FDIC-insured, Nasdaq-listed
FDIC Insured FDIC InsuredNasdaq Listed
07
6.7 / 10
Biggest card rewards — but buyer beware
FCA RegisteredMAS Licensed
08
6.0 / 10
150+ currencies, one card — pioneer with a support problem
FCA RegisteredE-Money Institution
09 PROOF OF RESERVES
5.4 / 10
The Bitcoin bank — yield and loans, nothing else
Proof of ReservesChainalysis Verified
10
5.2 / 10
3% crypto cashback + subscription perks — UK/EU only
FCA AuthorisedE-Money Institution
11 EU BANKING LICENCE
6.5 / 10
EU IBAN + crypto + 5% stablecoin yield in one app
MiCA Compliant Estonian FIU LicensedEU Registered
12
6.4 / 10
World's largest crypto exchange — 600+ coins, Binance Pay, Binance Card
FIU India RegisteredAUSTRAC Registered (AU)
§ 02 الأسئلة الشائعة
الأسئلة الشائعة
Which crypto bank is the safest? +
Sygnum Bank holds the highest regulatory safety score (10/10) — the world's first bank with both a Swiss FINMA banking licence and Singapore MAS CMS licence. For retail users, Revolut is the safest accessible option — full EU banking licence with €100,000 deposit protection. Ledn and Nexo both publish Proof of Reserves, making them safer than platforms that don't.
What happened to Juno crypto bank? +
Juno (formerly OnJuno) closed its crypto banking services in September 2025. Users were required to withdraw funds before the closure. Juno's closure is a reminder that newer, unproven platforms carry higher risk. The platforms on this list have been operating for 6+ years (except Brighty and Kraken Bank).
Is FDIC insurance enough protection for crypto? +
FDIC insurance only covers fiat deposits (up to $250,000 per depositor per bank). It does not cover cryptocurrency holdings. For US users, Kraken Bank and Fold offer FDIC protection on fiat. For crypto assets, Proof of Reserves and a strong regulatory licence are the closest equivalents.
What is Proof of Reserves? +
Proof of Reserves (PoR) is a cryptographic verification that a platform holds all the assets it claims. After FTX collapsed in November 2022 — having used customer funds — PoR became the most important trust signal in crypto. Nexo (Armanino) and Ledn (Chainalysis) both publish monthly PoR.