Provider profile · 2026 edition
BVNK review 2026: scores, fees and alternatives.
BVNK gives businesses an account to send, receive and convert stablecoins and fiat, with US, European and UK bank rails.
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BVNK gives businesses an account to send, receive and convert stablecoins and fiat, with US, European and UK bank rails.
BVNK scores 3.4 out of 5 (67 out of 100) in the Buckingham Intelligence Stablecoin Settlement Index 2026 and ranks 4 of 14. It is strongest for businesses needing US, EU and UK rails together, with 5 out of 5 for licences and settlement. Not published or not stated on the pages read: stablecoins and networks, fees, access, protection and coins and rails.
Scores from the Stablecoin Settlement Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For receiving from buyers | 70 | 4 of 14 |
| For paying suppliers | 63 | 7 of 14 |
| For treasury and holding | 69 | 3 of 14 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
Businesses needing US, EU and UK rails together.
What BVNK publishes on its own pages, read on 21 October 2026.
BVNK gives businesses an account to send, receive and convert stablecoins and fiat, with US, European and UK bank rails. It holds e-money licences in the UK and Malta, a MiCA authorisation and US money transmitter licences in 39 states. Prices are agreed per client and not published.
| Fact | What the provider publishes |
|---|---|
| Legal status | System Pay Services Ltd: 'authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution', reference '901057'. System Pay Services (Malta) Ltd: MFSA Electronic Money Institution and 'a Crypto-Asset Service Provider in accordance with the Markets in Crypto-Assets Act', reference 'C66961'. System Pay Services (US), Inc.: FinCEN registered MSB, 'NMLS ID 2531294', 'not licensed as a bank in the US'. |
| Licences | US money transmitter or equivalent licences listed for 39 states, Washington DC and Puerto Rico, each with a number. Partner banks named: Lead Bank and Cross River Bank. |
| Stablecoins and networks | 'From BTC to USDT, USDC and PYUSD'; 'We support all major chains and tokens'. Networks not named on the pages read. |
| Bank rails | US: ACH, same-day ACH, FedNow, Fedwire, RTP, SWIFT. Europe: SEPA, SEPA Instant, SWIFT. UK: Faster Payments, SWIFT. Brazil, Mexico, Argentina and Canada listed as upcoming. |
| Fees | MiCA pricing policy: custody and internal transfers free; conversions at a 'Conversion All-in Exchange Rate' including a 'Commercial Fee' 'as agreed with you'; external transfers a percentage and/or fixed fee. No figures published. |
| Settlement | Same-day ACH 'T+0 if submitted by COT'; FedNow and RTP 'Instant'; Fedwire 'Within one business day'; SEPA Instant 'Seconds'; Faster Payments 'Minutes to hours'; SWIFT 1 to 5 business days. |
| Access | Eligible countries not listed; documents for onboarding published (certificate of incorporation, articles, three months of bank statements and others). API documentation published. |
| Protection | 'Your e-money is held in segregated accounts - separate from BVNK's own funds'; '100% of customer e-money funds are safeguarded'; for digital assets 'we keep separate records for every fund type'. No named custodian or insurance. |
| Date read | 21 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 21 October 2026 from: help.bvnk.com/hc/en-us/articles/11094354781074, bvnk.com/compliance, bvnk.com/trading, bvnk.com/digital-assets, bvnk.com/eu/pricing-policy, docs.bvnk.com/bvnk/references/payment-methods, docs.bvnk.com/bvnk/get-started/…, bvnk.com/mt-mt/compliance.
Each score with the evidence behind it.
Each criterion is scored 0 to 5 against the best published offer in the Stablecoin Settlement Index. 0 means not offered or not published. How it is scored
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Circle Mint | 4.0 | 1 of 14 | Minting and redeeming USDC at scale |
| Bridge | 3.7 | 2 of 14 | Moving between stablecoins and local bank rails |
| Brale | 3.6 | 3 of 14 | US businesses wanting a full public price list |
| Paxos | 3.3 | 5 of 14 | Fee-free minting of USDG and PYUSD |
| Stripe | 3.1 | 6 of 14 | Taking stablecoin payments at checkout |
| Ramp | 3.0 | 7 of 14 | US firms paying suppliers in stablecoins at no fee |
| Bitso Business | 2.8 | 8 of 14 | Real-time payouts in Mexico and Brazil |
| Conduit | 2.5 | 9 of 14 | Emerging market firms needing USD accounts and payouts |
| Reap | 2.4 | 10 of 14 | Asian firms paying suppliers from USDC or USDT |
| MoonPay Enterprise | 2.0 | 11 of 14 | Platforms paying out stablecoins as local fiat |
| Revolut Business | 1.9 | 12 of 14 | Firms already banking with Revolut |
| Coinbase Business | 1.9 | 13 of 14 | US and Singapore firms invoicing in USDC |
| Triple-A | 1.1 | 14 of 14 | Merchants in Asia and Europe settling to IBAN |
Side by side on every criterion, fact and award.
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