Fiat Republic alternative for crypto treasury accounts
Fiat Republic sells crypto platforms an API that opens a named IBAN per user. Unigox, a Fiat Republic alternative, gives the company itself EUR, GBP and USD accounts beside stablecoins. Platforms issuing user IBANs should stay.
When to stay with Fiat Republic
Each of your users needs an IBAN in their own name
One API call creates a named virtual IBAN for a user in seconds, linked to your master account, so deposits are matched to the user without a reference code. Unigox opens customer accounts on request, each after the holder's own check, not per API call.
You settle with liquidity firms on EagleNet
EagleNet moves EUR and GBP between Fiat Republic members around the clock, with no amount cap and no payment rail fee inside the network; the platform fee still applies. Scrypt, FinchTrade and Hercle settle on it.
Your flows run on rails beyond SEPA and UK transfers
Its API reaches ACH and US wires, CHAPS, Swiss SIC, Danish and Swedish krone systems and Australia's NPP from the same integration. Unigox company accounts are in EUR, GBP and USD.
Fiat Republic vs Unigox for a crypto company's own money
| Topic | Fiat Republic | Unigox |
|---|---|---|
| Built for | Crypto platforms that integrate its API: the platform is the Member, and its customers are End Users it opens accounts for. | A company that passes KYB and wants accounts for its own operations, crypto business or not. |
| Your company's accounts | Fiat accounts in several currencies, with bank details usually assigned within seconds. Each can be tagged as your own operating funds or as safeguarded customer money. | A EUR IBAN for SEPA issued in the Netherlands or Malta, a GBP account number and sort code, and USD accounts confirmed during setup. |
| Accounts for your customers | Named virtual IBANs in EUR and GBP, created per user by API. For USD, you upload each user's identity check report from your own KYC tool. | EUR and GBP accounts in customers' names on request after your KYB, each holder verified by Unigox. |
| Stablecoins | EagleNet settles in Fiat Republic's own e-money tokens, ENEUR and ENGBP, issued on Algorand under MiCA. A USD token is in development. It also offers institutional stablecoin settlement for B2B flows, on request. | Stablecoin balances next to the fiat accounts. Swap EUR or GBP into them and back yourself, or have the team carry out a conversion as an OTC deal at a fee agreed with you. |
| Going live | A sandbox set up by your Customer Success Manager, then production after compliance onboarding, signed documents and IP whitelisting. A full integration usually takes two to four weeks of development. | No integration: after KYB approval the team sets up the agreed products, and your finance team works in the Business Portal. |
| Pricing | Not published. Scoped per platform by volume, currency mix and compliance complexity, on a 30-minute call. | One plan per company for account services, transfers and swaps, confirmed before you commit. |
| Regulation | E-money institutions authorised by the FCA in the UK (FRN 900524) and De Nederlandsche Bank in the Netherlands; money services businesses registered in Canada and the US. | 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 treasury from Fiat Republic in three steps
Apply online, no sandbox first
Start business onboarding from the Unigox business accounts page. There is no API to integrate or test before the accounts open.
Pass KYB as a company
Send registration, ownership and source-of-funds documents and what the accounts are for. Owners of 25% or more, directors and signatories each pass an identity check.
Move treasury flows and swap
Once your plan is confirmed, give OTC counterparties and payers the new IBAN or sort code, and swap into stablecoins when you need them. User deposits can stay on Fiat Republic.
Fiat Republic alternatives: questions
What does Fiat Republic sell to crypto platforms?
A London company that sells fiat infrastructure to crypto platforms: fiat accounts, named virtual IBANs for the platform's users, payment rails and its EagleNet settlement network, through one API and a dashboard. Its e-money institutions are authorised in the UK and the Netherlands. Unigox fits the crypto company that wants its own accounts beside stablecoins instead.
See business accountsWhat can you build with the Fiat Republic API?
Fiat accounts, virtual accounts for end users, payees, payins and payouts over rails such as SEPA Instant, Faster Payments, CHAPS and ACH, with webhooks and a sandbox. To pay people to a bank or mobile money account from USDT or USDC by API, Unigox has the Payments API.
See the Payments APIIs there a Fiat Republic alternative with stablecoins beside the accounts?
Unigox company accounts in EUR, GBP and USD sit beside stablecoin balances in the Business Portal, and you swap EUR or GBP into them and back. Fiat Republic settles EagleNet in its own ENEUR and ENGBP tokens and offers institutional stablecoin settlement on request. If you issue IBANs to your users or settle on EagleNet, Fiat Republic remains the closer fit.
How long does Fiat Republic take to go live?
Fiat Republic says a full API integration usually takes two to four weeks of development, and it offers non-API access before that is finished. Unigox needs no integration for company accounts; the products are set up after KYB approval.
Treasury accounts beside stablecoins
Tell us which currencies your treasury holds and which user flows stay on Fiat Republic. Unigox confirms the accounts and your pricing plan before you commit.
Fiat Republic 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.