BCB Group alternative for accounts with stablecoins
BCB Group serves institutions with accounts, virtual IBANs, BLINC and trading. Unigox suits a crypto company needing only EUR, GBP and USD accounts, with stablecoin swaps for EUR or GBP. BLINC, API-issued customer IBANs and wider trading stay at BCB.
When to stay with BCB Group
Your counterparties settle on BLINC
BLINC moves money between BCB clients instantly and with final settlement, every day of the year, with no cap on payment size and no fee between members. Unigox runs no settlement network between its clients: a Unigox transfer goes to the recipient's bank details like any other payment.
You open an IBAN for every customer
Under one BCB payment account you can create unlimited virtual IBANs almost instantly, and its API issues local EUR and GBP virtual accounts for companies and for individuals. Unigox opens accounts in customers' names on request, each after the holder's own check.
You trade other crypto or more fiat currencies
BCB's desk quotes fiat, stablecoins and other crypto by OTC limit and market orders, RFQs or voice, with same-day, T+1 or spot settlement in major pairs. On the crypto side Unigox company accounts hold stablecoins only, and OTC deals convert only stablecoins with EUR or GBP.
BCB Group vs Unigox for crypto company accounts
| Topic | BCB Group | Unigox |
|---|---|---|
| What it is | One console and Web API for payment accounts, virtual IBANs, BLINC settlement, trading and Stablecoin Earn, for institutional, corporate and professional clients only. | A Business Portal where EUR, GBP and USD company accounts sit beside stablecoin balances, with OTC deals that the team carries out for you. |
| Fiat rails | GBP by Faster Payments, CHAPS and SWIFT; EUR by SEPA Instant, SEPA, T2 and SWIFT; USD by Fedwire and international wire. Other account currencies move by SWIFT. | An EUR IBAN for SEPA issued in the Netherlands or Malta, a UK sort code and account number for GBP, and USD accounts whose details are confirmed at setup. |
| Stablecoins | BCB Markets (Switzerland) trades, sends, receives and holds crypto-assets. Through Stablecoin Earn a client lends USDC, USDT or EURC, via a partner BCB introduces, into a USD money market fund vault. Its USDT services are closed to EU-based clients. | Stablecoins kept as balances. The finance team swaps EUR or GBP into them and back, and moves them to and from the company's Unigox Wallet. |
| Pricing | Not published. Fees sit in a schedule attached to each client's order form. Fixed fees rise 10% when the initial term ends and on every anniversary; the client pays an advance fee and keeps a fraud collateral balance. | No public price list either. A plan set for your company prices account services, transfers and swaps, and Unigox confirms it before you commit. |
| Regulation | BCB Payments Limited is an FCA Authorised Payment Institution (807377); BCB Payments (Europe) SASU an e-money institution authorised by the ACPR (735745); BCB Markets (Switzerland) Sàrl a VQF member. BCB Markets FZE is in VARA's licensing process. | Unigox works through two companies: UNIGOX NETWORK CORP. in Canada handles the local-money side and is registered with FINTRAC as a money services business and with the Bank of Canada as a payment service provider; UNIGOX NETWORK CORP. in Panama handles the crypto side, including wallets and escrow. |
UnigoxMove your stablecoin leg off BCB Group in three steps
Apply with your company file
Start onboarding on the Unigox business accounts page. Send registration documents, ownership, source of funds and intended use; a licensable business also sends its licence. Checks done at BCB do not carry over.
Agree accounts and fees
After approval our team opens the EUR, GBP or USD accounts agreed with you and sets the fees for account services, transfers and swaps in your plan.
Route your stablecoins to Unigox
Have the stablecoins you now settle through BCB sent to your Unigox Wallet, move them into the account, and swap to EUR or GBP when you need fiat. BLINC and other currencies can stay at BCB.
Questions about BCB Group alternatives
What does BCB Group do, and when does Unigox fit better?
BCB Group runs payment accounts, virtual IBANs, the BLINC settlement network, trading and Stablecoin Earn for institutional, corporate and professional clients. Unigox suits a crypto company that settles in stablecoins and needs EUR, GBP and USD accounts beside them, without a member network or a trading desk.
See business accountsHow does BCB Group charge for its accounts?
BCB Group publishes no price list. Its master services agreement for Europe and UK services puts fees in a schedule attached to each order form. Fixed fees rise by 10% once the initial term ends and on each anniversary, and the agreement adds an advance fee and a fraud collateral balance.
Can we keep BLINC and convert stablecoins with Unigox?
Yes. Transfers to other BCB members can stay on BLINC while Unigox swaps your stablecoins with EUR or GBP, or the team carries out the conversion as an OTC deal at a fee agreed before the first one. Unigox verifies your company before either.
See OTC dealsGet a Unigox plan next to your BCB setup
Tell us your monthly EUR, GBP and stablecoin volumes and which BCB services stay in place. Our team proposes the accounts and a pricing plan, and confirms the fees with you before you commit.
BCB Group and other names and logos are trademarks of their respective owners. Unigox is not affiliated with, endorsed or sponsored by them. Information about other companies comes from public sources, mainly the companies' own websites, and each company can change its products and fees at any time.