Your crypto. Your keys. One money picture.

No. Bank AI is a money app, not an exchange. We do not run an order book and we do not execute trades on our own books. Buying and selling crypto in Bank AI runs through licensed on-ramp and off-ramp partners - MoonPay and Ramp Network at launch - that hold the relevant CASP / FCA registrations in the markets where Bank AI operates.

No. Bank AI is non-custodial by architecture. Crypto you hold inside Bank AI sits in an embedded MPC wallet where you own the keys; Bank AI never holds a complete private key and cannot move your funds. Crypto held on a third-party exchange or self-custody wallet is read into Bank AI through read-only API access - we never get withdrawal permission. Bank AI is not a custodian under MiCA.

When the on-ramp launches, you pick the amount in fiat (GBP, EUR), choose a payment method (card, SEPA, Faster Payments, Apple Pay, Google Pay) and confirm. The transaction is executed by a licensed on-ramp partner - MoonPay or Ramp Network - which is the regulated counterparty for the fiat-to-crypto conversion. The crypto is delivered to your embedded non-custodial wallet inside Bank AI. The partner appears explicitly at the moment of execution.

On the exchange side, Bank AI reads positions and balances from Binance, Coinbase, Kraken, Bitpanda and Crypto.com via read-only API. On the self-custody side, MetaMask, Trust Wallet and the Coinbase Wallet connect via WalletConnect; Ledger and Trezor hardware wallets are tracked via xpub / extended-public-key. We do not ask any wallet to sign transactions on the user's behalf.

Bank AI surfaces over 200 coins across the connected exchanges. The largest coins by market capitalisation - Bitcoin, Ethereum, Tether (USDT), XRP, BNB, Solana, USDC, Cardano, Dogecoin and Tron - get a dedicated landing page each, with Bank AI's read coverage, supported wrappers and example AI questions. Stablecoins (USDT, USDC) are tracked alongside fiat in the same net-worth view so you see the real picture.

Bank AI is not a CASP (crypto-asset service provider) under MiCA. We do not require MiCA registration because we do not custody crypto, we do not run an exchange, and we do not provide investment advice. The on-ramp / off-ramp partners that we integrate with - MoonPay and Ramp Network - are MiCA-registered CASPs in the EU and FCA-registered cryptoasset firms in the UK. Their licences cover the regulated parts of the flow.

The embedded wallet uses MPC (multi-party computation) so the signing key is split across shares - one held by you, one accessible only through your authentication, one held by an independent provider. No single party can move funds alone. Wallet recovery is built around authenticated identity (email, device, social recovery) rather than a 24-word seed phrase. The architecture is designed so that even a full Bank AI compromise cannot move customer funds.

Hardware wallets are supported read-only. You add the extended public key (xpub) or, for newer Ledger devices, connect via Ledger Live. Bank AI surfaces the balances and on-chain transactions in your net-worth view; we never ask the device to sign anything. If you want to send from a hardware wallet, you keep using the device's normal flow.

Bank AI is a money app, not a tax tool. We export your full transaction history (buys, sells, transfers, on-ramp fees) so you can hand it to a tax tool or accountant. Specialist tools like Koinly, CoinTracking and CoinLedger remain the right answer for capital-gains calculations. We do not provide tax advice; talk to a qualified adviser for your jurisdiction.

Bank AI is currently in closed preview. The crypto pillar - non-custodial wallet, exchange aggregation, on-ramp / off-ramp through partners - goes live with the launch product. The site disclaimer covers this: we are still in development and have not yet signed final commercial agreements with any partner. We will name the partner in-app at the moment of execution.