Do you run a business and want greater independence in managing its funds? Through our cooperation with the international financial platform Stable.com powered by Unlimit, we offer our Clients the option of opening an IBAN account issued in the name of the company - your company (or business) is the owner of the account. The account is held outside the traditional banking model and supports international payments: currency exchange, foreign transfers, payment cards and stablecoins.
An IBAN account can be opened by a limited liability company (sp. z o.o.), a sole proprietorship and other types of company - entirely remotely. Stable.com serves companies from around 100 jurisdictions, so on a single platform you can register, for example, a Polish sp. z o.o., a UK LTD or even a UAE company. One account handles 22 currencies, and in the same dashboard every client has access to a DeFi module with stablecoins.
The account is held within the platform's financial infrastructure, not under a bank account model. Formally, it is an account with an electronic money institution (EMI) - a licensed and supervised entity that accepts funds, maintains an account with an IBAN and executes transfers, but is not a bank and does not grant loans.
For a business owner, this means a solution that is independent of their main bank account - a second, parallel channel for handling company funds.
Stable.com is a financial platform operating under the licences of Unlimit group companies - on the market for over 17 years, with EMI regulation in the EU and the UK and MiCA in the EU.
European Union: Unlimit EU Ltd - an electronic money institution licence issued by the Central Bank of Cyprus, number 115.1.3.7.
United Kingdom: Unlimit UK Ltd - a licence from the UK regulator, the FCA, reference number 978706.
Both licences can be checked in the regulators' public registers: the EBA register and the FCA register.
This solution is for business owners who want to:
Avoid keeping all funds in one place with one provider.
Set money aside for a specific purpose - a project, a foreign market, an operating reserve.
Use modern financial infrastructure alongside a bank account.
Have a backup solution when the main account is unavailable.
An IBAN account can be opened by a Polish limited liability company (sp. z o.o.), a sole proprietorship and other types of company - including foreign ones, such as a UK LTD or a UAE company (Stable.com serves companies from around 100 jurisdictions). We guide you through the whole process - from the first conversation to an active account.
The exact list depends on the company's profile. Most often these are:
The account for clients from Poland is provided by Unlimit EU Ltd, and the IBAN is issued in Cyprus (prefix CY).
Every Stable.com client automatically gets access to the "DeFi" module. The platform combines a classic IBAN account with services related to stablecoins - crypto-assets pegged to a currency, such as the dollar or the euro - in a single dashboard. These services are provided by Unlimit Crypto Ltd, a licensed crypto-asset service provider. Stablecoins go to a wallet controlled by the company - the platform does not hold the client's funds.
Buying stablecoins with zloty and other currencies, and selling them with a payout of the funds.
Moving a stablecoin from one network to another, e.g. from Ethereum to Solana, usually within a few minutes.
USDT, USDC, PYUSD, USD1, FDUSD, USDP, USDG, RLUSD - availability depends on the network.
Ethereum, Solana, BSC, Tron, TON, Polygon, Arbitrum One, Base, Celo, Optimism.
A processing fee and a network fee are charged on purchases and sales. The amount of the fees depends on the sum, the payment method and the company's individual pricing. Before each transaction is confirmed, the calculator shows the rate and a full breakdown of fees; the rate is not guaranteed until the transaction is executed.
Unlimit Crypto Ltd - a crypto-asset service provider (CASP) authorised by the Cypriot regulator CySEC under the EU MiCA regulation. The entity is listed in the ESMA register under LEI number 894500FFZOA2AVGYOA88 (the MiCA register on the ESMA website).
The platform operates on a non-custodial model: it does not hold the client's wallet, and stablecoins go to a wallet controlled by the company itself. Stablecoins are crypto-assets, not money in an account - they are not covered by deposit guarantees or an investor compensation scheme, and their value may deviate from the currency to which they are pegged.
Before you go through full registration, we can check free of charge whether the company has a chance of passing verification. A few basic details are enough - no documents and no obligation.
We say this openly, because it determines whether the solution makes any sense for your business. An account with an electronic money institution is governed by different rules from a bank account.
We have gathered answers to the questions business owners ask most often before opening an account.
Call us or book a free consultation - we will answer specifically for your business.
Book a consultation +48 22 266 23 51No. The account is provided by an electronic money institution, not a bank. It has its own IBAN and is used for business transfers, but the funds held in it are electronic money, not a bank deposit.
No. Electronic money is not covered by deposit guarantee schemes. The institution is, however, required to protect client funds - it keeps them separate from its own assets, in segregated accounts.
No. It is not a way to avoid the seizure of funds or tax obligations. We explain the detailed rules for how the account works to the Client before it is opened.
Yes. The account can be opened by a sole proprietorship, a limited liability company (sp. z o.o.) and other types of company - including foreign ones, such as a UK LTD or a UAE company. The list of documents depends on the legal form and the profile of the business.
Approximately 4-7 working days from submission of the complete documents, or 1-2 days with the express option for an additional fee. Usually shorter for a simple sole proprietorship, longer for a complex ownership structure.
Pricing is set individually - after an analysis of the company (KYC/KYB), depending on the industry and scale of operations, including the expected foreign exchange turnover and number of transfers. We present the costs before the account is opened, and once verification begins the company is also assigned a dedicated account manager at Unlimit.
In a wallet controlled by the company itself. The DeFi module in Stable.com operates on a non-custodial model - the platform does not hold the client's wallet, and transfers are made from a wallet owned by the company.
It is not a requirement. For Clients whose accounts we keep, we prepare the entire account-opening process and help to use the account properly in the business.
Before the account is opened, we present the detailed rules for how it works - costs, limits, scope of service and the company's obligations. No commitment.
Book a free consultation - we'll answer your questions and propose a solution tailored to your goals.