The regulated backbone business for Web3 institutions. Built in ADGM.
One Unified Account for compliant money movement between bank rails and digital assets — named virtual IBANs, pay-in and pay-out, FX and settlement — for licensed payment providers, exchanges, VASPs and OTC platforms.
Compliant money in and out of Web3. In one account.
Every account gets its own named rails. Money arrives from a same-name source, is screened before it settles, and leaves to a verified destination — with fiat and digital assets reconciled in the same ledger of record.
Institution-grade KYB, once.
Accounts, payments, FX and settlement.
Fiat and digital-asset legs in one record.
Before it settles, not after.
Named virtual IBANs
A uniquely attributable vIBAN per account, under a safeguarding account per currency. No pooled balances — every credit has a name.
Pay-in and pay-out
Fiat in and out over SWIFT and local rails through our banking partner. Same-name only for individuals, enforced at ledger level.
Principal trading
Firm two-way RFQ pricing in digital assets and approved stablecoins, with W3 as principal counterparty — executed against its own inventory, not routed. Both legs settle into the same account.
Cards
BIN-sponsored cards drawing on the same ledger.
Multi-currency FX
Hold and convert across currencies inside the account, alongside every other leg.
Collateralised credit
Short-tenor settlement liquidity against BTC and ETH. Collateral held at a licensed custodian, never rehypothecated.
Custody
Digital assets held with a licensed third-party custodian, in segregated wallets.
From bank rail to blockchain, on one record.
Pay in
Fiat arrives on a dedicated, named vIBAN, from a same-name account.
Screen
Sanctions, KYT and Travel Rule run on every leg before anything settles.
Trade and settle
Trades execute at a firm price, with fiat and digital-asset legs settling together in the Unified Account.
Pay out
To a same-name bank account, or a verified wallet in BTC, ETH, USDT and other supported assets.
Your platform in front. Regulated rails underneath.
W3 works behind licensed institutions as their account and settlement infrastructure. Your brand, your product and your client relationships stay yours — we provide the compliant rails they run on.
Compliant fiat on- and off-ramps for your platform, settled against a single account.
Firm counterparty liquidity and same-day settlement of both legs.
Treasury accounts, conversion and payouts for teams building on-chain.
Cross-border and licensed payment providers that need named fiat accounts and digital-asset settlement.
Compliance by design.
Compliance is built into the rails, not bolted on. Every flow through the Unified Account is screened, monitored and recorded — giving partners a clean, auditable record by default.
KYC and KYB
Full KYB on every institution, with robust KYC frameworks across the account.
Real-time sanctions
Every transaction screened in real time, before settlement.
Cross-leg monitoring
Fiat and on-chain activity in one record. Travel Rule automated.
Safeguarded client money
Held per currency at the partner bank and reconciled daily.
Audit trail and reporting
Transaction-level data and periodic reporting for partners.
Independent governance
Risk and compliance functions with direct access to the Board.
A regulated business, not a routed one.
W3 Digital is a proposed Abu Dhabi Global Market firm. We are building the regulated unified account for the Web3 economy, on the operating experience of founders who have run fiat–stablecoin ramps and card issuing at scale.
Regulated finance, risk and payments backgrounds.
20+ years in regulated fintech and crypto licensing. RBS, UBS, Morgan Stanley.
Cross-border payments and FX at institutional scale.
20+ years. MD, Head of Compliance and MLRO, UK and EU.
20+ years, ACA. Regulated leadership in the UAE.
Chief Architect at Oracle, PwC and Capgemini.
Seasoned portfolio risk architect.
Be first on the Unified Account.
Register your institution’s interest and we’ll be in touch as we approach launch. We also welcome banking, custody and technology partners.
[email protected]