# Deblock: Business account (waitlist, launching Q4 2026) > A French business account that holds euros and stablecoins side by side, from Deblock SAS, an electronic money institution in Lille. Each account and sub-account gets its own French IBAN, with accounts in EUR, USD and XPF, Visa cards with 1% cashback on paid plans, a self-custody stablecoin and bitcoin wallet, and 2% a year on the euro balance. Deblock Business is not open yet: it takes sign-ups on a waitlist and is launching in Q4 2026. Finzil profile: https://finzil.com/providers/deblock · Provider website: https://deblock.com · Facts checked: 2026-10-26 ## Key facts - **Monthly fee:** €10 (Standard; Premium €49, Enterprise custom) - **Setup fee:** Not published - **Currencies:** 3 (EUR, USD and XPF accounts, plus stablecoins) - **Onboarding:** Not open yet (waitlist; launching Q4 2026) - **Provider type:** Electronic money institution - **IBAN:** French IBAN for each account and sub-account - **Payment rails:** SEPA and instant transfers (plus stablecoin transfers on EVM networks) - **Cards:** Visa business cards (physical, metal, virtual and single-use) - **Safeguarding:** Safeguarded euros; crypto in self-custody - **Remote opening:** Yes - **Non-residents:** Not published - **Headquarters:** France - **Local account details:** EUR (IBAN, SEPA) - **Trustpilot:** 4.4 from 9,511 reviews (checked 2026-10-26) ## Who can apply - **Non-resident owners** (owner or director living outside the company's country): Not published - **Countries of incorporation accepted:** Not published - **Countries of incorporation refused:** Not published - **Owner residency accepted:** Not published - **Owner residency refused:** Not published - **Owner nationality refused:** Not published - **Company types accepted:** Not published ## Industries - **Industries served:** Not published - **Prohibited industries (provider's own list):** Not published ## Licences - France: ACPR, Electronic money institution, Deblock SAS, register no. 17748 - France: Autorité des marchés financiers, Crypto-asset service provider (MiCA), DEBLOCK SAS, register no. A2025-001 (https://www.amf-france.org/en/warnings/white-lists/casp/deblock-sas) Safeguarding: Deblock is not a bank. Deblock says euros are safeguarded and "protected up to €100 000"; it does not publish the safeguarding bank or what the €100,000 figure refers to. Stablecoins and bitcoin sit in a self-custody wallet that belongs to the business, so they are not held by Deblock. Euros earning the 2% yield are lent out through a decentralised-finance vault; that service is facilitated by Techblock Ltd and is not covered by the EU's MiCA rules. ## Fees Source: https://deblock.com/en/business/plans (checked 2026-10-26) ### Plans - **Standard:** 10 EUR a month (Waitlist) - **Premium:** 49 EUR a month (Waitlist) - **Enterprise:** Custom pricing (Waitlist) ### Outgoing - SEPA (Standard): Free · 50 free transfers a month; price beyond that not published - SEPA (Premium): Free · Unlimited free transfers ### Currency exchange (FX) - FX markup (Standard): Free · Up to €1,000 a month at the market spot rate; price beyond that not published - FX markup (Premium): Free · Up to €30,000 a month at the market spot rate; unlimited on Enterprise ### Crypto - On-ramp (fiat to crypto) (Standard): 0.99% · EUR to stablecoin conversion - On-ramp (fiat to crypto) (Premium): 0.1% · EUR to stablecoin conversion; same on Enterprise ### Cards - Physical card issue (Standard): Free · 1 physical and 5 virtual cards; 2 metal and 100 virtual on Premium - Card FX: Free · 0% FX on card payments abroad - ATM withdrawal (Standard): Free · Up to €500 a month (€5,000 on Premium, unlimited on Enterprise) ## Opening an account 1. **Join the waitlist.** Sign up on deblock.com/en/business. Deblock Business is launching in Q4 2026. 2. **Get the app.** Deblock runs in its mobile app (deblock.com/en/download); the business account is opened there once it launches. 3. **Business verification.** Deblock has not published the business opening steps or the documents it will ask for yet. Documents: Not published ## Pros and cons - Pro: A French IBAN for every account and sub-account, created in the app - Pro: Accounts in EUR, USD and XPF, with currency exchange at the market spot rate up to a monthly allowance - Pro: Send and receive any EVM stablecoin (USDC, EURC, EURCV) with no transfer limit and no gas to manage - Pro: Stablecoins and bitcoin held in self-custody: the business holds the keys - Pro: 2% a year on the euro treasury, paid daily, on every plan - Pro: Visa business cards with 0% FX on card payments and 1% cashback on Premium and Enterprise - Pro: Licensed in France as an e-money institution (ACPR) and a MiCA crypto-asset service provider (AMF) - Con: Not open yet: waitlist only, launching Q4 2026 - Con: No business terms published yet: accepted countries, company types and industries are unknown - Con: The 2% yield comes from lending euros through a decentralised-finance vault, which is outside MiCA; Deblock tops it up to 2% from its own reserve - Con: Standard includes only 50 free transfers and €1,000 of free currency exchange a month; prices beyond that are not published - Con: Converting euros to stablecoins costs 0.99% on Standard (0.10% on Premium) - Con: Only French IBANs are described; no USD account details are published ## Finzil's take (opinion) Deblock suits a small European company that already gets paid in stablecoins and wants them next to a normal euro account, with French IBANs per project and cheap card spending abroad. It is not open yet, and the 2% yield depends on decentralised-finance lending outside MiCA, so treat it as a return with risk, not a deposit rate. ## Alternatives - [Qonto](https://finzil.com/providers/qonto): Payment institution · France - [Shine](https://finzil.com/providers/shine): Payment institution · France - [Finom](https://finzil.com/providers/finom): E-money institution · Netherlands - [BVNK](https://finzil.com/providers/bvnk): E-money institution · UK ## FAQ **Can I open a Deblock business account now?** Not yet. Deblock Business takes sign-ups on a waitlist at deblock.com/en/business and says it is launching in Q4 2026. The personal Deblock account is already open. **Is Deblock a bank?** No. Deblock SAS (SIREN 948 264 163, Lille) is an electronic money institution authorised by the ACPR (CIB 17748) and a crypto-asset service provider licensed by the AMF under MiCA (A2025-001). **How much does Deblock Business cost?** Standard is €10 a month and Premium €49 a month; Enterprise is priced on request. Standard includes 50 free transfers and €1,000 of free currency exchange a month; Premium has unlimited free transfers and €30,000 of free exchange. Converting euros to stablecoins costs 0.99% on Standard and 0.10% on Premium and Enterprise. **Where does the 2% yield come from?** Deblock lends the euros, held as Société Générale Forge's EURCV stablecoin, through a Morpho lending vault to borrowers who post more bitcoin than they borrow. The vault rate moves (about 4.05% when checked); Deblock keeps the surplus in a reserve and tops the rate up to 2% from that reserve or its own treasury. This decentralised-finance service is facilitated by Techblock Ltd and is not covered by MiCA. **Who holds the stablecoins and bitcoin?** The business does. Deblock's wallet is self-custody: the keys are created on your device and can be exported, and Deblock stores only an encrypted recovery package it cannot open. **Which companies can open a Deblock business account?** Deblock has not published business terms yet, so accepted countries, company types and industries are not known. Ask Deblock when you join the waitlist. --- Finzil (finzil.com) is an independent directory of business accounts. No paid placement. Find providers that accept your business: https://finzil.com/find