Banking & Payments Beyond Borders. Built for Ambition.
Offshore merchant acquiring, high-risk payment processing, private and corporate offshore banking, and crypto exchange & custody — structured for the businesses and individuals that mainstream finance turns away.
All banking and financial services are provided exclusively by licensed partner institutions. DITC LLC acts solely as a technology, marketing, onboarding, and customer-support intermediary. Services are not available to US Persons. Not regulated by the EBA, ECB, FCA, or US federal banking agencies.
Cross-border by design
150+
countries
T+2
settlement
12→6%
rolling reserve
3DS2
AML / KYC
Visa · Mastercard · AMEX · JCB · Crypto payouts
Merchant Acquiring
Payment Processing That Doesn't Flinch.
Many industries are underserved by conventional acquirers — declined, over-restricted, or simply ignored. DITC.io provides offshore merchant payment solutions specifically designed for ambitious businesses operating in complex, regulated, or high-risk sectors. We combine robust card-acquiring infrastructure with crypto-native payout options, giving merchants genuine flexibility where it matters most.
Multi-Network Card Acceptance
Accept Visa, Mastercard, American Express, and JCB with 3D Secure 2 authentication across 150+ countries. Volume-based MDR rates adapt to your transaction throughput, rewarding growth with better economics.
Fast, Flexible Settlement
Target settlement on a T+2 cycle at 17:00 UTC. Choose your settlement currency: Euro, US Dollar, or USDT (TRC20). Settlement instructions are locked in your signed Merchant Schedule and remain yours to control.
High-Risk Industries Welcome
Nutraceuticals, digital goods, gaming, travel, crypto-related services, subscription models, and other elevated-risk categories are evaluated case by case. We apply thorough compliance underwriting — not blanket refusals.
Transparent Rolling Reserve Model
Reserves start at 12% and reduce to 8% after 120 days and to 6% after 180 days of solid processing history. Each reserve tranche is held for a maximum of 90 days. Your reserve profile is individually structured and confirmed in your signed Merchant Pricing Schedule.
⚑ High-Risk Industries Welcome — subject to individual compliance review and underwriting.
Private & Corporate Banking
Offshore Banking. Redefined for the Modern Client.
DITC.io, through its licensed banking partner, offers multi-currency offshore banking solutions for private individuals and corporate entities seeking financial infrastructure beyond domestic constraints. Whether you require a segregated corporate account, international payment rails, or a private IBAN — our offshore banking offering combines confidentiality, flexibility, and genuine international reach.
Private Offshore Banking
Confidential, multi-currency personal accounts with IBAN issuance for private clients worldwide. Access SEPA and SWIFT payment rails, foreign-exchange conversion, debit and prepaid card options, and crypto-to-fiat swap services — all from a single, well-structured relationship. Designed for high-net-worth individuals, international residents, and clients with complex financial geographies.
- ›Multi-currency accounts in EUR, USD, and other supported currencies
- ›SEPA and SWIFT payment access
- ›Prepaid card issuance (Visa / Mastercard, subject to availability)
- ›Crypto-to-fiat and fiat-to-crypto conversion
- ›Full KYC/AML-compliant onboarding
Corporate Offshore Accounts
For holding companies, trading companies, international operating entities, SPVs, and fintech ventures — DITC.io provides structured corporate offshore banking access. Segregated accounts, operational IBANs, multi-currency liquidity management, and bulk payment capabilities support the full spectrum of modern corporate treasury requirements.
- ›Corporate multi-currency accounts with dedicated IBAN
- ›International SWIFT/SEPA payment infrastructure
- ›Bulk and batch payment support
- ›Corporate card options (subject to underwriting)
- ›UBO and compliance-ready onboarding structure
- ›Suitable for holding companies, operating entities, and payment-adjacent businesses
Banking services are provided by licensed partner institutions. DITC.io works with a network of regulated banking and payment partners and selects the most suitable licensed provider for each service, client profile, and jurisdiction. Funds are not covered by the FDIC, FSCS, or any EU deposit-guarantee scheme. Please review the Legal Notice and Terms & Conditions before opening an account.
Crypto Services
Crypto Exchange & Custody. Built for Serious Participants.
From direct fiat-to-crypto conversions to multi-asset custody and on-chain payout solutions, DITC.io provides crypto financial services for individuals and businesses that require more than a retail exchange can offer. Whether you are settling merchant transactions in USDT, managing corporate treasury in digital assets, or seeking a custody arrangement for institutional-grade holdings — we provide the infrastructure.
Crypto Exchange
Convert between supported fiat currencies and major crypto assets at competitive rates. Fiat-to-crypto and crypto-to-fiat swaps are processed through the licensed infrastructure of our banking partners, with full AML screening via blockchain analytics (Chainalysis). Supported assets include BTC, ETH, USDT, and further tokens subject to availability.
Crypto Custody
Secure custody of digital assets for private clients and corporate entities. All crypto holdings are held under the licensed framework of our banking partners and subject to ongoing transaction monitoring and wallet screening. Ideal for businesses that require segregated crypto balances alongside their fiat accounts.
USDT Settlement for Merchants
Merchants may elect to receive settlement in USDT (TRC20 or other approved networks). Crypto payout wallets must be verified and registered in your Merchant Pricing Schedule. Blockchain fees, network availability, and compliance screening apply.
AML-Compliant Crypto Operations
All cryptocurrency transactions are screened through Chainalysis blockchain analytics. Wallet addresses are checked against sanctions lists, fraud indicators, and financial-crime patterns. This ensures that our crypto infrastructure meets the same compliance standards applied to fiat operations.
Crypto settlement isn't an afterthought — it's wired into the core.
Onboarding Process
From Application to Live Processing in Days.
- 1
Submit Your Application
Contact our team and share your business model, website, company documents, and expected processing volume. No commitment required at this stage.
- 2
Compliance Review
Our onboarding team reviews your KYC/KYB documentation — including UBO structure, source of funds, website review, and chargeback procedures. High-risk businesses receive specialist underwriting.
- 3
Agreement & Pricing
Receive your individual Merchant Services Agreement with a signed Merchant Pricing Schedule tailored to your business profile, volume, and risk category. No generic rate cards.
- 4
Technical Integration
Connect via API or payment gateway integration. Our technical team supports your integration and ensures your checkout flow meets compliance requirements.
- 5
Go Live
Activate processing, monitor your dashboard, and receive T+2 settlements in EUR, USD, or USDT. Your account manager remains your point of contact throughout.
Our Advantages
Infrastructure Your Ambition Deserves.
A financial backbone engineered for ambition — spanning offshore jurisdictions, crypto-native rails, and the high-risk industries the rest of the market refuses to touch.
High-Risk Expertise
We have experience in the industries that standard banks and acquirers decline without review. Our underwriting is case-by-case, not checkbox-driven.
Offshore Structure, Global Reach
Operating through offshore-licensed partner institutions gives our clients access to financial infrastructure that is free from the restrictions of EU, UK, or US regulatory overreach — while remaining fully AML/KYC compliant.
Crypto-Native Settlement
EUR, USD, or USDT — you choose how you receive your funds. Crypto settlement is not an afterthought here; it is a core product feature.
Individual Pricing. No Surprise Fees.
Every commercial relationship is documented in a signed Merchant Pricing Schedule. No hidden charges, no unilateral fee changes without notice.
Transparent Rolling Reserve
Our reserve model is defined in your contract, starts at 12%, and decreases as your track record grows. You always know exactly what is held and when it is released.
Full Regulatory Disclosure
We are transparent about what we are and what we are not. Our Legal Notice, Terms & Conditions, Privacy Policy, and Cookie Policy are publicly available at ditc.io.
Ready to start processing?
Tell us about your business — no commitment required.
Apply for Merchant Account