Nebeus alternative for company accounts customers pay into
Nebeus's Business Crypto IBAN takes transfers only from accounts in your company's name. Unigox gives your company EUR and GBP accounts that customers pay into and suppliers are paid from, beside stablecoins. Keep Nebeus for crypto-backed loans.
When to stay with Nebeus
You borrow against the company's crypto
Nebeus lends up to €20M in euros or stablecoins against crypto on a company's balance sheet, in four loan structures. Its StableLoan is listed at 95% loan-to-value and 4% interest, with a 1% origination fee.
Your treasury holds BTC or ETH
A Nebeus business account exchanges crypto and fiat on its MiCA-authorised exchange. Its renting product, which sits outside that authorisation, pays daily rewards on BTC, ETH, XRP and stablecoins. Unigox company accounts hold no crypto other than stablecoins.
Your compliance needs a MiCA-authorised firm
Nebeus, through Rintral Trading SLU, is authorised under MiCA by Spain's CNMV for custody, exchange and account services, and says it is an e-money institution in the UK.
Nebeus vs Unigox for a company account with stablecoins
| Topic | Nebeus | Unigox |
|---|---|---|
| What it is | A named EUR business IBAN with SEPA Instant beside a multi-chain crypto account, with exchange, crypto-backed loans, renting and a Mass Payout API in one app. | EUR, GBP and USD company accounts beside stablecoin balances in one Business Portal, and OTC deals between EUR or GBP and stablecoins. |
| Who can pay you, and whom you pay | The IBAN moves money only between accounts in your company's name; Nebeus says third-party and consumer payments are not supported. Payroll, affiliate and vendor batches use its Mass Payout API, by card, SEPA or crypto. | Customers pay into the company's EUR IBAN or UK account details, and the finance team pays suppliers from saved recipients, by SEPA in EUR and to UK accounts in GBP. |
| Which companies can open | Its optional virtual IBAN, for own-name transfers only, is limited to companies registered in listed countries, such as Germany, France, Canada and Australia. The Business IBAN page advertises many more countries. Opening asks for three months of bank statements and a company bank account. | Companies registered in Europe or elsewhere, after KYB. Countries excluded by the Terms of Service or under sanctions cannot apply. |
| Stablecoin conversion | Stablecoin-to-fiat exchange from 0.05%, and merchant settlements in many currencies converted to stablecoins or euros inside the IBAN account. | Swap EUR or GBP to stablecoins and back in the portal, or agree an OTC deal that the Unigox team carries out and records there. |
| Account fees | The Business IBAN page says no opening or monthly fee. Nebeus's help centre lists Light and Pro business accounts:
| No public price list. The pricing plan agreed with your company sets the fees for account services, transfers and swaps before you commit. |
| Regulation | Rintral Trading SLU is authorised under MiCA by Spain's CNMV for custody, exchange and account services; loans and renting are outside that authorisation. Nebeus also lists a UK e-money institution, a Swiss SRO registration and Argentine registrations. | 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. |
UnigoxAdd accounts customers can pay, next to Nebeus
Send your company file
Apply on the European business accounts page. KYB asks for registration documents, the owners, source of funds and what the account is for. The file Nebeus reviewed is not passed to us.
Confirm accounts and a plan
Once your company is approved, our team opens the agreed EUR, GBP or USD accounts with stablecoin balances, and sets the fees with you first.
Give customers the new details
Put the Unigox IBAN or UK account details on your invoices and add suppliers as saved recipients. Loans and own-account moves can stay with Nebeus.
Questions about Nebeus alternatives
What does Nebeus offer businesses, and when does Unigox fit?
Nebeus sells a Business Crypto IBAN, crypto exchange, crypto-backed loans, renting and a Mass Payout API. Unigox fits a company whose customers need to pay into its EUR or GBP account, and which pays suppliers from that account, with stablecoin swaps next to it.
Can a Nebeus business IBAN receive payments from customers?
No, according to Nebeus's own pages. Its Business Crypto IBAN and virtual IBAN accept transfers only to and from accounts in your company's name. Nebeus warns that transfers involving third parties may be delayed or blocked.
What fees does Nebeus charge a business account?
Its help centre lists a €500 document verification fee and a €100 to €150 monthly IBAN fee for a Light account, and €800 and €200 for Pro. Each SEPA Instant payment out costs €3.50. Exchange starts at 0.05%, and the Business IBAN page advertises no opening or monthly fee.
Which parts of Nebeus does its MiCA authorisation cover?
Rintral Trading SLU, which runs Nebeus, is authorised under MiCA by Spain's CNMV for custody, exchange and account services. Nebeus says its loans and renting are separate commercial products outside that authorisation.
Open company accounts your customers can pay into
Tell us who pays your company, whom you pay in EUR and GBP, and what stays at Nebeus. Our team agrees the accounts and your pricing plan with you before they open.
Nebeus 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.