Banking built
on trust

Your payments, one account.

An all in one solution, for handling your fiat and crypto.

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Your finances,
in your pocket.

  • Hold, send and receive funds globally, instantly

  • Use integrated fiat and crypto infrastructure

  • Manage your finances in 60+ currencies

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Our unique
services.

Your all-in-one financial solution.

Access multiple payment rails globally
  • Access SEPA, SWIFT and crypto rails instantly
  • Move funds globally with ease in 60+ currencies
  • Fast, flexible, and simple payments
Open account
money
Everything you need to move
and manage money globally

Experience FX & currency conversion

  • Convert instantly between fiat and crypto.
  • Reduce friction in global transactions.
  • Move with speed.
You send
You receive
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Use Virtual IBANs for
streamlined payments
  • Dedicated IBANs tailored to your business.
  • Quick, streamlined payments.
  • Improved control, security, and client trust.
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Hold your funds safely
  • Your funds held in a secure safeguarding framework
  • Ensures protection, transparency, and compliance
  • Supports safe and reliable operations
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All in one,
unified platform
  • Manage fiat and crypto, in one unified platform.
  • Gain full visibility.
  • Simplify operations and improve cash flow.
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Strategic Partners
EN

Eran Ten Napel

CEO | Founder

We built Emoni to serve compliance‑intensive businesses that don’t fit the automated onboarding profile and require thoughtful, manual review.

Many of these businesses struggle to open accounts with tier‑one financial institutions and often find themselves forced to bank outside the Netherlands — and even outside Europe — simply because they don’t match the “perfect” online onboarding profile.

Our mission is to provide these businesses with a top‑tier, trusted financial experience — one where their operations are understood, their risks are assessed fairly, and they can go to sleep feeling safe.

Efficient onboarding — and the assurance that you won’t be arbitrarily de‑risked — is not a privilege. It is a fundamental business need that every company deserves.

MC

Marko Calasan

Director Compliance

At our core, compliance is not a static control function but a strategic enabler. We combine deep regulatory expertise with efficient, bespoke processes and purpose-built tools to assess complex regulatory landscapes with precision. This allows us to deliver tailored, practical solutions that support our clients’ growth while ensuring robust compliance with applicable laws and supervisory expectations.

AN

Andre Nagelmaker

Director Transaction Monitoring & Onboarding

Every business has a unique risk profile. Our role is to balance this risk profile with regulatory demands, enabling access to an increasingly dynamic payments environment for each business.

How it works.

01

Define your setup

We design a tailored solution based on your business model, whether you operate in fiat payments, FX, or crypto flows.

Your onboarding path is aligned with your regulatory and operational requirements from the start.

→
02

Create your account

Submit your details through a secure onboarding process. We support both corporate and individual structures, with compliance checks adapted to your business activity.

→
03

Get approved & access the platform

Once approved, you gain access to the emoni platform and its full financial infrastructure, including multi-currency IBAN accounts, fiat payment rails (SEPA / SWIFT), crypto settlement capabilities, and FX conversion tools.

→
04

Operate globally

Manage your funds across fiat and crypto rails in one place. Send and receive global payments, hold multiple currencies, and convert between fiat and crypto when needed, with full visibility and control. All within a secure, regulated EMI environment.

Get started

Download the app or speak to our onboarding team to begin.

Download on the
App Store
Get it on
Google Play

Quotes from clients
on how our service and product is.

XS Com

"Working with iledgends has been a positive experience. They show a good understanding of the specific needs of brokers, and their tailored offerings, particularly in multi-currency accounts and local rails, have added noticeable value to our operations."

GIIMER

“iledgends has been key in helping us streamline payments and simplify international transfers. Their expertise and fast execution make them a trusted partner in our global operations.”

Goat Funded Trader

“Our partnership with iledgends has enhanced how we manage trader payments at scale. Their secure infrastructure and responsive support allow us to focus on growth while they handle the banking complexity.”

TopFX

"iledgends delivers the speed and stability we expect from a fintech partner. Their deep understanding of the payments landscape has made it easy to integrate seamless financial operations into our business."

Meta Marketing

"For a fast-moving marketing firm like ours, iledgends provides the agility and control we need over our financial flows. Their intuitive platform and transparent processes make a real difference."

Xspot

"These flexible banking solutions have supported our evolving wealth management needs. Their reliable systems and dedicated support give us peace of mind and operational efficiency."

Ready to bank
without limits?

Get your global account set up now

Open your account