Januar
Januar ApS · DK · 12 countries served
MiCA-licensed · Finanstilsynet★ 3.5 / 5
Januar (Januar ApS) is a Copenhagen-based B2B financial infrastructure platform with dual Danish Finanstilsynet licences: a PSD2 payment institution (FTID:21230) and a MiCA CASP (FTID:10908, 2026-06-29). It combines IBAN accounts, SEPA and stablecoin settlement on one licensed platform for crypto businesses across the EEA. NOT a retail exchange — EEA businesses only.
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Fees
| Spot maker | N/A (B2B / OTC only) |
| Spot taker | N/A (B2B / OTC only) |
| SEPA deposit | N/A (B2B / OTC only) |
| Card deposit | N/A (B2B / OTC only) |
| SEPA withdrawal | N/A (B2B / OTC only) |
* This platform is exclusively for B2B, corporate, and institutional clients (fintech, enterprise). It does not provide a public retail trading interface.
Features
- ✓SEPA transfers
- −Bank ID support
- −Mobile app
- ✓Two-factor authentication
- ✓Cold storage custody
- −Proof of Reserves
- −Derivatives (futures/perp)
- ✓6+ crypto trading pairs
Supported fiat currencies: EUR, USD
Pros
- ✓Dual Finanstilsynet licence: PSD2 PI + MiCA CASP
- ✓IBAN/SEPA and stablecoin settlement on one platform
- ✓Serves crypto businesses often rejected by banks
- ✓EEA passport (30+ countries)
- ✓Lightning Network and multi-chain support
- ✓4-eyes approvals, on-chain monitoring
Cons
- ✗**NOT a retail exchange** — EEA businesses only (KYB)
- ✗No mobile app or retail UI
- ✗English-only interface
- ✗Narrow asset selection
- ✗Settlement infrastructure, not a trading platform