The #1 Bank Offering Solution for Hodlers
 
FLOW
NOW Account
 
GROW
CD Account
 
SAVE
Savings Account
 
TRANSACT
Direct Deposit Account
 
TRUST
Custody Account
How do you like
your stake?
Liquid or locked, whether you are looking for flexibility or high yield, we have the solution for you.
FLow Logo
Liquid, Please
EARN
6.05%
THE MEDICI BANK
FLOW Account ©
EARN YIELD with the flexibility to get your money NOW, when you want it.
Fund & redeem in 65 currencies
Fund & redeem in Stablecoin (USDC*)
Account always held in USD fiat
No depegging risk
Learn More
* To/from same wallet
FLow Logo
Locked, Please
EARN UP TO
10.25%
THE MEDICI BANK
GROW Account ©
Hold your wealth in US dollars and lock in high YIELD from 6-months to up to 3 years!
Hold your wealth in US dollars at a locked rate for 6 months to 3 years and earn up to 6.53% interest
Personal
  • 6M
  • 12M
  • 18M
  • 24M
  • 36M
  • 10
  • 8
  • 6
  • 4
  • 2
  • 0
7.05%
9.25%
10.25%
9.25%
8.25%
6-Month
7.05%
1k min
1m max
12-Month
9.25%
1k min
1m max
18-Month
10.25%
1k min
1m max
24-Month
9.25%
1k min
1m max
36-Month
8.25%
1k min
1m max
Learn More
Business
  • 3M
  • 6M
  • 9M
  • 12M
  • 8
  • 6
  • 4
  • 2
  • 0
5.10%
6.05%
7.50%
8.25%
3-Month
5.10%
10k min
1m max
6-Month
6.05%
10k min
1m max
9-Month
7.50%
10k min
1m max
12-Month
8.25%
10k min
1m max
Learn More
Proof of Collateral Icon
Proof of Collateral
Don't trust, just verify. We offer you complete transparency when it comes to your money.
Rates Icon
Competitive Rates
We can offer our rates because we don’t touch your money.
Shield Icon
Safety
Account always held in USD fiat
Borrow
Don’t sell, HODL!
Get the FIAT you need while keeping the crypto you love.
Priority for Deposits Account clients - get on the waitlist today.
100% Transparency
Fully On-chain collateral
Borrow and Pay back fiat or USDC*
Borrow LTVs from
10%—50%
Interest Rates from
2.5%—15%
1-year or 2-year terms
Principal only monthly payments (principal due at term)
Option to leverage collateral to reduce borrowing cost
* To/from same wallet
Join the Waiting List
Due to an unexpectedly high demand for our new loan program, we have temporarily paused accepting new applications. To ensure you secure a spot when we reopen access, we invite you to join our waiting list.
Clients on the waiting list will be prioritized ahead of general applications when access is reopened.
Sign Up Now
Find the perfect
Personal Banking solution
We offer both business banking solutions and high-value personal solutions
Our Personal Solutions
EARN
6.05
%
 
Flow
Personal NOW Account
The flexibility of a checking account with the interest of a savings account
Click to Learn More
EARN UP TO
10.25
%
 
Grow
Personal CD Account
From 6-months to 3-years. Hold USD and earn up to 10.25% in interest
Click to Learn More
 
Trust
Personal Custody Account
Securely hold your assets while allowing flexible investments or transfers
Click to Learn More

More accounts coming soon.

Find the perfect
Business Banking solution
We offer both business banking solutions and high-value personal solutions
Our Business Solutions
EARN UP TO
8.25
%
 
Grow
Business CD Account
From 6-month to 3-years. Park your excess cash and earn up to 8.25% in interest
Click to Learn More
EARN
2.25
%
 
Save
Business Savings Account
Optimizing working cash for businesses worldwide, balancing growth and liquidity
Click to Learn More
 
Transact
Business Direct Deposit Account
Seamless domestic and international fund transfers for clients worldwide
Click to Learn More
Trust
Business Custody Account
Securely hold your assets while allowing flexible investments or transfers
Click to Learn More

More accounts coming soon.

Frequently Asked Questions
Multi-user, multi-approver online banking, 24/7/365 instant transfers between clients of the bank, and a modern API for plugging bank payments into your A/P system.
Deposits

You can send USDC, USD, EUR, GBP, or any of 65 different fiat currencies, any and all of which will be converted into US dollar.

  • Liquid: Earn yield and withdraw at any time (pay fiat to most anyone anywhere in up to 65 different currencies or withdraw back to same funding source).
  • Locked staking: Earn higher yield by committing your assets for a fixed time period.

That’s up to you! Select liquid to be able to use, or get back, your funds at any time or select locking to choose the length of time to lock in higher yields.

We are a licensed and regulated bank with bank-grade systems security, policies and procedures to protect your deposit. Bank deposits are always the most “senior” type of obligation at a bank—depositors get paid before creditors and shareholders.

When you deposit into our pool, we loan the pool funds to others that are borrowing fiat against their (over-collateralized) BTC and ETH that is held in custody to ensure non-performing loans can be liquidated to pay back depositors.

Like any investment, there are inherent risks. If the bank is unable to source borrowers from your loan, the bank may not be able to sustain paying the yield and if the price of BTC and/or ETH were to crash (e.g. beyond 50% in a day), the bank may not be able to recover 100% of the borrowed funds.

Yes, minimum and maximum amounts apply and may vary depending on which type of yield product you select.
Borrow

For the near future, loans can be collateralized with bitcoin (BTC) and ethe (ETH).

This ratio determines the maximum loan amount based on your collateral value. It varies depending on the asset and market conditions. It is computed by dividing the loan amount (in US dollar terms) by the collateral value (in US dollar terms). For example, a $10,000 loan secured by bitcoin in an amount worth $20,000 would be a 50% LTV. Our loans are established at a 50% LTV at most.

Interest rates are variable and depend on the chosen LTV, loan term, and market conditions. Current rates are available on our website.

Borrowing involves financial risk. You are responsible for repaying the loan with interest, even if the value of your collateral falls. If you fall behind on loan payments or are unable to maintain the loan at or below a prescribed LTV ratio, the bank may liquidate some or all your collateral.

Media & News

"We embed banking and payments into clients' tools and processes. We remove steps, friction, and time-to-done."

- Edward Boyle, CEO

“The latest U.S. challenger bank has a unique origin”

“Medici Bank is bolstering cross-border business”

“A forward-thinking team of technology and financial experts”

JOIN MEDICI

Apply for an account in just
in 5 minutes

GET STARTED
Medici Bank
Medici Bank International is licensed and regulated by the Office of the Commissioner of Financial Institutions (OCIF) in Puerto Rico as an International Financial Entity (license #IFE-030). Medici Bank is not insured by the FDIC.
Follow Us Facebook Icon Instagram Icon Twitter Icon LinkedIn Icon
Medici Bank International LLC
1250 Ponce de Leon Avenue
San Juan, PR 00907 (United States)
Build 3.12.2 .2024-02-14-11-58
For your information
Cookie Acceptance
We use cookies strictly for management of our services and for authentication security By using our site, you consent to the use of these cookies. Click Privacy Policy for more information.
Privacy Policy
OK