Overview
Triple-A, at a glance.
Triple-A is a major payment institution headquartered in Singapore, regulated by MAS, ACPR, Autorité des marchés financiers and 2 other regulators and registered with FinCEN and FINTRAC as a money services business. The company behind Triple-A is TRIPLE A TECHNOLOGIES PTE. LTD. Pricing is agreed with each client. Opening an account takes 3–14 business days. Non-residents are accepted: owners and directors do not need to live in the country where the company is registered.
Triple-A is not a bank. Under the Singapore company, customer money is safeguarded under the Payment Services Act in a designated trust account with a safeguarding institution, pooled with other customers' money; the institution is not named and the money is not deposit-insured. Money received for merchant acquisition for customers outside Singapore, and cross-border transfers not received in Singapore, are exempt from safeguarding.
Why businesses pick Triple-A
- A named EUR IBAN in your company's name, without opening an EU company or bank account
- Collect euros by SEPA and SEPA Instant, available for payout almost immediately
- Pay out to bank accounts, stablecoin wallets or local currency in 30+ currencies across 70+ countries
- Local payouts arrive instantly, the same day or the next day, depending on the country
- Pre-fund payouts in USD, EUR, GBP, SGD, USDC or USDT
- Licensed in Singapore and France, with registrations in the US and Canada
- A dedicated account manager
Watch out for
- Sales-led; sign-up asks for at least $100,000 a month in volume
- No prices published: fees and the currency conversion spread are agreed at onboarding
- EUR is the only currency with account details; USD and SGD collections are planned
- The terms allow an agreed monthly minimum in fees, with any shortfall taken from your balance
- Verification takes 3 to 14 business days after all documents are received
- Companies in Belarus, the Central African Republic, Cuba, Iran, Libya, North Korea, Somalia, Sudan and the Crimea, Donetsk, Luhansk, Kherson and Zaporizhzhia regions of Ukraine are refused
- Weapons, multi-level marketing, shell companies and nominee structures are refused; gambling, adult, CBD and financial services need enhanced due diligence
Business fit
Will Triple-A accept your business?
Four quick answers. Where your company is registered and what it does rule a provider in or out faster than anything else.
Based on Triple-A's published rules
Likely fit
Triple-A lists both United Kingdom companies and B2B companies selling into Europe as accepted.
Triple-A does not publish a minimum company age or turnover, so those two answers are not checked here.
This is one provider. Your profile checks all of them.
- Every provider that fits your business
- The reason behind each match
- Company age and turnover checked too
Who it works with
Accepted and not accepted.
What Triple-A publishes about the businesses it takes on.
Who Triple-A serves
- Import and export
- Marketplaces
- Financial institutions
- E-commerce
- Travel
- Video games
- Professional services
- Crypto
All 12 industries on Triple-A's accepted list
- B2B companies selling into Europe
- Marketplaces and platforms
- PSPs, wallets, EMIs, and banks
- E-commerce
- Travel and hospitality
- Gaming
- Professional services
- Trading and investment platforms
- Creator economy
- Cross-border trade (import/export)
- Web3
- IT solutions
Not supported
Industries and countries Triple-A does not accept, from its own published lists.
Industries
- Services of a sexual nature on-site
- Hazardous materials (B2C)
- Shell banks
- Shell companies
- Bearer shares entities, nominee/trust structures and other similar structures designed to conceal the identity of the beneficial owner(s)
- Trade of weapons, ammunitions, military arms, explosive devices and firearm parts, other explosives and dangerous materials
- Unfair, predatory or deceptive products and services, including, but not limited to, multi-level marketing, pyramid schemes, unreasonably high reward schemes, referral marketing, etc.
- Trade in restricted and/or endangered animal species and derived products
- Human body parts or bodily fluids
- Extraction of natural resources / energy industry such as oil, natural gas, nuclear, minerals
- Any activity that engages in or facilitates activities that are deemed illegal or unlawful in any applicable jurisdiction
Countries
- Belarus · owners
- Central African Republic · owners
- Cuba · owners
- Iran · owners
- Libya · owners
- North Korea · owners
- Somalia · owners
- Sudan · owners
- Belarus · company or owners
- Central African Republic · company or owners
- Cuba · company or owners
- Iran · company or owners
- Libya · company or owners
- North Korea · company or owners
- Somalia · company or owners
- Sudan · company or owners
Coverage
Where can you use Triple-A?
Coverage is a starting point. It does not confirm that every business in these markets is eligible.
Supported currencies
EUR account; payouts in 30+ currencies
Local account details
1 currency
Account details in your company's name for receiving and paying on the country's own network, without SWIFT.
EUR · Euro area · IBAN (SEPA, SEPA Instant)
Named EUR IBAN in the business's name; the IBAN's country code and the institution that issues it are not published.
Collect on the named IBAN · 1 currencies
- EURLocal
Pre-fund in · 4 currencies
- EURLocal
- USD
- GBP
- SGD
Pay out in local currency · 32 currencies
- EURLocal
- USD
- GBP
- CAD
- AUD
- JPY
- AED
- ARS
- BOB
- BRL
- CLP
- CNH
- CNY
- COP
- CRC
- DKK
- GTQ
- HKD
- IDR
- INR
- KES
- KRW
- MXN
- NGN
- PEN
- PHP
- PYG
- SEK
- SGD
- TRY
- XOF
- ZAR
Payouts can also be pre-funded in USDC and USDT and sent in stablecoins. USD and SGD collections are planned.
Payment reach
Not published
Who can apply
Company incorporation countries242 countries · show list
- Afghanistan
- Åland Islands
- Albania
- Algeria
- American Samoa
- Andorra
- Angola
- Anguilla
- Antarctica
- Antigua & Barbuda
- Argentina
- Armenia
- Aruba
- Australia
- Austria
- Azerbaijan
- Bahamas
- Bahrain
- Bangladesh
- Barbados
- Belgium
- Belize
- Benin
- Bermuda
- Bhutan
- Bolivia
- Bosnia & Herzegovina
- Botswana
- Bouvet Island
- Brazil
- British Indian Ocean Territory
- British Virgin Islands
- Brunei
- Bulgaria
- Burkina Faso
- Burundi
- Cambodia
- Cameroon
- Canada
- Cape Verde
- Caribbean Netherlands
- Cayman Islands
- Chad
- Chile
- China
- Christmas Island
- Cocos (Keeling) Islands
- Colombia
- Comoros
- Congo - Brazzaville
- Congo - Kinshasa
- Cook Islands
- Costa Rica
- Côte d’Ivoire
- Croatia
- Curaçao
- Cyprus
- Czechia
- Denmark
- Djibouti
- Dominica
- Dominican Republic
- Ecuador
- Egypt
- El Salvador
- Equatorial Guinea
- Eritrea
- Estonia
- Eswatini
- Ethiopia
- Falkland Islands
- Faroe Islands
- Fiji
- Finland
- France
- French Guiana
- French Polynesia
- French Southern Territories
- Gabon
- Gambia
- Georgia
- Germany
- Ghana
- Gibraltar
- Greece
- Greenland
- Grenada
- Guadeloupe
- Guam
- Guatemala
- Guernsey
- Guinea
- Guinea-Bissau
- Guyana
- Haiti
- Heard & McDonald Islands
- Honduras
- Hong Kong SAR China
- Hungary
- Iceland
- India
- Indonesia
- Iraq
- Ireland
- Isle of Man
- Israel
- Italy
- Jamaica
- Japan
- Jersey
- Jordan
- Kazakhstan
- Kenya
- Kiribati
- Kosovo
- Kuwait
- Kyrgyzstan
- Laos
- Latvia
- Lebanon
- Lesotho
- Liberia
- Liechtenstein
- Lithuania
- Luxembourg
- Macao SAR China
- Madagascar
- Malawi
- Malaysia
- Maldives
- Mali
- Malta
- Marshall Islands
- Martinique
- Mauritania
- Mauritius
- Mayotte
- Mexico
- Micronesia
- Moldova
- Monaco
- Mongolia
- Montenegro
- Montserrat
- Morocco
- Mozambique
- Myanmar (Burma)
- Namibia
- Nauru
- Nepal
- Netherlands
- New Caledonia
- New Zealand
- Nicaragua
- Niger
- Nigeria
- Niue
- Norfolk Island
- North Macedonia
- Northern Mariana Islands
- Norway
- Oman
- Pakistan
- Palau
- Palestinian Territories
- Panama
- Papua New Guinea
- Paraguay
- Peru
- Philippines
- Pitcairn Islands
- Poland
- Portugal
- Puerto Rico
- Qatar
- Réunion
- Romania
- Russia
- Rwanda
- Samoa
- San Marino
- São Tomé & Príncipe
- Saudi Arabia
- Senegal
- Serbia
- Seychelles
- Sierra Leone
- Singapore
- Sint Maarten
- Slovakia
- Slovenia
- Solomon Islands
- South Africa
- South Georgia & South Sandwich Islands
- South Korea
- South Sudan
- Spain
- Sri Lanka
- St. Barthélemy
- St. Helena
- St. Kitts & Nevis
- St. Lucia
- St. Martin
- St. Pierre & Miquelon
- St. Vincent & Grenadines
- Suriname
- Svalbard & Jan Mayen
- Sweden
- Switzerland
- Syria
- Taiwan
- Tajikistan
- Tanzania
- Thailand
- Timor-Leste
- Togo
- Tokelau
- Tonga
- Trinidad & Tobago
- Tunisia
- Türkiye
- Turkmenistan
- Turks & Caicos Islands
- Tuvalu
- U.S. Outlying Islands
- U.S. Virgin Islands
- Uganda
- Ukraine
- United Arab Emirates
- United Kingdom
- United States
- Uruguay
- Uzbekistan
- Vanuatu
- Vatican City
- Venezuela
- Vietnam
- Wallis & Futuna
- Western Sahara
- Yemen
- Zambia
- Zimbabwe
Owner nationality
Not publishedOwner residency242 countries · show list
- Afghanistan
- Åland Islands
- Albania
- Algeria
- American Samoa
- Andorra
- Angola
- Anguilla
- Antarctica
- Antigua & Barbuda
- Argentina
- Armenia
- Aruba
- Australia
- Austria
- Azerbaijan
- Bahamas
- Bahrain
- Bangladesh
- Barbados
- Belgium
- Belize
- Benin
- Bermuda
- Bhutan
- Bolivia
- Bosnia & Herzegovina
- Botswana
- Bouvet Island
- Brazil
- British Indian Ocean Territory
- British Virgin Islands
- Brunei
- Bulgaria
- Burkina Faso
- Burundi
- Cambodia
- Cameroon
- Canada
- Cape Verde
- Caribbean Netherlands
- Cayman Islands
- Chad
- Chile
- China
- Christmas Island
- Cocos (Keeling) Islands
- Colombia
- Comoros
- Congo - Brazzaville
- Congo - Kinshasa
- Cook Islands
- Costa Rica
- Côte d’Ivoire
- Croatia
- Curaçao
- Cyprus
- Czechia
- Denmark
- Djibouti
- Dominica
- Dominican Republic
- Ecuador
- Egypt
- El Salvador
- Equatorial Guinea
- Eritrea
- Estonia
- Eswatini
- Ethiopia
- Falkland Islands
- Faroe Islands
- Fiji
- Finland
- France
- French Guiana
- French Polynesia
- French Southern Territories
- Gabon
- Gambia
- Georgia
- Germany
- Ghana
- Gibraltar
- Greece
- Greenland
- Grenada
- Guadeloupe
- Guam
- Guatemala
- Guernsey
- Guinea
- Guinea-Bissau
- Guyana
- Haiti
- Heard & McDonald Islands
- Honduras
- Hong Kong SAR China
- Hungary
- Iceland
- India
- Indonesia
- Iraq
- Ireland
- Isle of Man
- Israel
- Italy
- Jamaica
- Japan
- Jersey
- Jordan
- Kazakhstan
- Kenya
- Kiribati
- Kosovo
- Kuwait
- Kyrgyzstan
- Laos
- Latvia
- Lebanon
- Lesotho
- Liberia
- Liechtenstein
- Lithuania
- Luxembourg
- Macao SAR China
- Madagascar
- Malawi
- Malaysia
- Maldives
- Mali
- Malta
- Marshall Islands
- Martinique
- Mauritania
- Mauritius
- Mayotte
- Mexico
- Micronesia
- Moldova
- Monaco
- Mongolia
- Montenegro
- Montserrat
- Morocco
- Mozambique
- Myanmar (Burma)
- Namibia
- Nauru
- Nepal
- Netherlands
- New Caledonia
- New Zealand
- Nicaragua
- Niger
- Nigeria
- Niue
- Norfolk Island
- North Macedonia
- Northern Mariana Islands
- Norway
- Oman
- Pakistan
- Palau
- Palestinian Territories
- Panama
- Papua New Guinea
- Paraguay
- Peru
- Philippines
- Pitcairn Islands
- Poland
- Portugal
- Puerto Rico
- Qatar
- Réunion
- Romania
- Russia
- Rwanda
- Samoa
- San Marino
- São Tomé & Príncipe
- Saudi Arabia
- Senegal
- Serbia
- Seychelles
- Sierra Leone
- Singapore
- Sint Maarten
- Slovakia
- Slovenia
- Solomon Islands
- South Africa
- South Georgia & South Sandwich Islands
- South Korea
- South Sudan
- Spain
- Sri Lanka
- St. Barthélemy
- St. Helena
- St. Kitts & Nevis
- St. Lucia
- St. Martin
- St. Pierre & Miquelon
- St. Vincent & Grenadines
- Suriname
- Svalbard & Jan Mayen
- Sweden
- Switzerland
- Syria
- Taiwan
- Tajikistan
- Tanzania
- Thailand
- Timor-Leste
- Togo
- Tokelau
- Tonga
- Trinidad & Tobago
- Tunisia
- Türkiye
- Turkmenistan
- Turks & Caicos Islands
- Tuvalu
- U.S. Outlying Islands
- U.S. Virgin Islands
- Uganda
- Ukraine
- United Arab Emirates
- United Kingdom
- United States
- Uruguay
- Uzbekistan
- Vanuatu
- Vatican City
- Venezuela
- Vietnam
- Wallis & Futuna
- Western Sahara
- Yemen
- Zambia
- Zimbabwe
Company types
Private limited companies
Pricing
What does Triple-A cost?
Look beyond the monthly fee. Your total cost depends on how many transfers you make, where they go and how much you convert.
Account cost
Opening fee
Not published
Monthly fee
Not published
Multicurrency Account
Custom
Transaction fees
Other fees
Currency exchange (FX)
| Cost | Listed amount | How it is charged |
|---|---|---|
| FX markup | Not published | Negotiated at onboarding; may include a currency conversion spread |
Crypto
| Cost | Listed amount | How it is charged |
|---|---|---|
| On-ramp (fiat to crypto) | Not published | |
| Off-ramp (crypto to fiat) | Not published |
Forward contracts: Not published
Compare FX providersOnboarding
From application to live account.
Triple-A states 3 to 14 business days for verification once all documents are received; the dashboard account is created within 24 hours of the contract being signed
- 1
Contact sales
Use "Open an account" on triple-a.io: company, country of registration, industry and expected volume.
- 2
Business verification
Send the KYB documents to Triple-A. Verification takes 3 to 14 business days once all documents are received.
- 3
Contract
Sign the contract with Triple-A. Its support team then creates your dashboard account within 24 hours.
- 4
Named IBAN
Receive your named EUR IBAN and start collecting by SEPA and SEPA Instant.
Documents you need
- Source of wealth and funds of the company
- Source of wealth and funds of the directors, beneficial owners and shareholders (25% or more)
- Business incorporation/registration documents (certificate of incorporation, memorandum and articles / constitution, registry of company, ACRA bizfile)
- Business ownership / shareholding structure chart
- Proof of business address (latest utility bill, internet bill, bank statement)
- Passport/ID copies of directors, beneficial owners and shareholders (25% or more)
- Proof of address of directors, beneficial owners and shareholders (25% or more)
FAQ
Your questions, answered.
Is Triple-A a bank?
No. Triple A Technologies Pte. Ltd. is licensed by the Monetary Authority of Singapore as a major payment institution (PS20200525). In France, Paytop SAS, trading as Triple-A, is a payment institution authorised by the ACPR (16408) and a crypto-asset service provider licensed by the AMF (A2026-015). In the US, Triple A Technologies Inc. is registered with FinCEN and holds state money transmitter licences (NMLS 2514255). In Canada, the Singapore company is registered with FINTRAC (C10001348) and the Bank of Canada.
Which Triple-A company holds my EUR IBAN?
Triple-A does not publish which company issues the named EUR IBAN or the IBAN's country code. Its general terms are with Triple-A Technologies Pte. Ltd. in Singapore and its affiliates, under Singapore law. Ask Triple-A before you open the account.
How much does Triple-A cost?
Triple-A publishes no prices. Fees are agreed at onboarding and depend on volume, settlement, currencies and risk; they can include a percentage transaction fee and a currency conversion spread. The terms allow an agreed monthly minimum in fees, with any shortfall taken from the account balance.
Who can open a Triple-A Multicurrency Account?
Businesses that collect euros and pay out worldwide, including companies based in Asia or Latin America with no EU entity. Opening is through the sales team, and the sign-up form asks whether the business can commit to at least $100,000 a month in volume. Companies in Belarus, the Central African Republic, Cuba, Iran, Libya, North Korea, Somalia, Sudan and the Crimea, Donetsk, Luhansk, Kherson and Zaporizhzhia regions of Ukraine are refused.
What happened in the July 2026 wallet incident?
On 25 July 2026 Triple-A found unauthorised access to wallets holding its own digital assets, and some services were in maintenance for about three hours. Triple-A says client funds were not affected: it does not hold digital assets for clients, and client money is kept in trust accounts with safeguarding institutions. It is investigating with the Singapore Police Force. Source: triple-a.io/newsroom/official-statement-regarding-recent-wallet-activity.
Can I fix an exchange rate for a future payment?
Triple-A publishes no forward contracts or other hedging tools. Conversions happen inside collections and payouts.
Does Triple-A accept gambling businesses?
With approval. Gambling is a restricted industry for a business selling directly, which means extra documents, an in-depth review and stricter monitoring. A payment provider or marketplace serving gambling businesses is refused.
Alternatives
How Triple-A compares.
If Triple-A is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
 Triple-AThis pageMajor payment institution |     | Stablecoin payoutsGlobal payouts |
 TazapayMajor payment institution |   | Collection accountsEmerging markets |
| BVNKE-money institution |   | StablecoinsEnterprise |
 AirwallexE-money institution |  | Global accountsOnline businesses |
 WorldFirstE-money institution | | Marketplace sellersTrade payments |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.