Best business accounts for Crypto and Web3 in United States
Snapshot
Crypto and web3 companies in the United States can open a business account, but with limits. Mainstream providers serve software companies, startups, DAOs and funds, while commonly excluding money services businesses, exchanges and trading firms.
Availability for crypto businesses
Available with limits. Depends on your exact activity. Verify with the provider.
Commonly excluded
Money services businesses, exchanges, trading firms and some peer to peer activity
Stablecoin on and off ramps
Offered by Slash for USDC and USDT as of 2 February 2026
Providers that fit
Two reviewed here
Fees and features as of 2 February 2026Last reviewed 2 February 2026
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Crypto and web3 companies in the United States have real banking options, but eligibility is narrower than for other businesses. As of 2 February 2026, Mercury supports many crypto and web3 startups, DAOs and funds, while it does not support money services businesses or exchanges. Slash is built around stablecoin on and off ramps for USDC and USDT. Your exact activity decides whether you qualify, so confirm with the provider before you rely on an account.
What Crypto and Web3 companies in the United States need from a business account
Web3 companies usually want a regular operating account for payroll, vendors and runway, plus a clean way to move between United States dollars and stablecoins. The constraint is acceptable use. Many providers welcome web3 software and protocol companies but draw a firm line at money services businesses, exchanges and trading firms, because those carry money transmission and compliance obligations. Read the acceptable use rules before you apply, and confirm your specific activity with the provider.
M
Mercury
Supports many crypto and web3 startups, DAOs and funds for everyday operating banking, but does not support money services businesses or exchanges.
Best for
Web3 startups and funds needing an operating account
Monthly fee
No monthly fee, paid plan from about 35 USD a month
Compare accounts for Crypto and Web3 in the United States
These providers accept many crypto and web3 businesses in the United States, though crypto exchanges, money services businesses and trading firms are often excluded. Fees and eligibility shown as of 2 February 2026. Confirm current terms and acceptable use with the provider before applying.
Questions about banking for Crypto and Web3 in the United States
Can a crypto company open a business account in the United States?
Often yes for web3 software companies, startups, DAOs and funds, but with limits. As of 2 February 2026, Mercury supports many crypto and web3 businesses but does not support money services businesses or exchanges. Slash is built around stablecoin on and off ramps. Eligibility depends on your exact activity, so confirm with the provider.
Which crypto businesses are usually excluded?
Money services businesses, crypto exchanges, crypto trading firms and some peer to peer activity are commonly excluded by mainstream providers as of 2 February 2026. Mercury, for example, does not support money services businesses or exchanges. Verify your specific case with the provider.
Can these accounts move money to and from crypto exchanges?
Mercury supports ACH and wire transfers that many companies use to move funds to and from exchanges such as Coinbase or Kraken, within its acceptable use rules. Slash adds native stablecoin on and off ramps for USDC and USDT. Confirm current rules with the provider.
What does Slash charge for stablecoin conversion?
As of 2 February 2026, Slash on and off ramp fees are below 1 percent, with a promotional rate of about 0.99 percent that is set to rise to about 1.5 percent after July 2026. Rates change, so verify the current fee with the provider.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 2 February 2026. Confirm current terms and acceptable use with the provider before applying.