Column
Column
Column is a fully chartered bank rather than an intermediary, with API-configurable FX markup, a crypto-friendly approach and FedNow/RTP support. It is built for B2B use and available only in the US.
Data & conditions
| Service type | Card issuing / BaaS |
|---|---|
| Pricing model | Hybrid |
| Card networks | Visa |
| Card types | debit, virtual |
| Fiat rails | ACH, SWIFT |
| Stablecoins | USDC |
| Certifications | SOC2-T2 |
| SDK | Any via OpenAPI spec |
| Fund custody | Self-custody (funds in your control) |
| KYC | Full |
| Supported countries | US · 1+ countries |
| Regulator | OCC |
| OAM Italy registration | No |
| Segment | B2B |
| MiCA / License status | National Bank Charter OCC national bank charter (US) |
Strengths
- true bank (not intermediario); FX markup configurabile via API; crypto-friendly; FedNow/RTP.
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- B2B; US-only.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (OCC national bank charter (US)): reporting to authorities and freezes on order.
Verdict
It is among the category's highest scores (tier A) because Column is a fully chartered OCC bank, not a mere intermediary: that means less counterparty and sudden-freeze risk than sponsor-bank models. API-configurable FX markup and FedNow/RTP support add cost transparency; it remains a US-only B2B product, which is why it falls short of full marks for the European consumer.
The crypto-friendly approach is welcome, but through this lens Column is still a regulated bank with full KYC: holding a banking charter, an outright virtue for protection, is exactly what pulls it away from a trustless, self-custody logic. It is worth little to those seeking privacy and no intermediaries.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
What service does Column offer?
Column is a Card Issuing & BaaS service with a hybrid model pricing.
What compliance does Column hold?
Certifications: SOC2-T2.
How much does it cost to integrate Column?
Pricing model: a hybrid model. Per-unit fees are not published: they depend on volume and contract.
Does Column support stablecoins?
Supported stablecoins are not documented.
Who is Column for?
Target: B2B. SDKs and integrations are not publicly documented.
Sources
- Official service page Pricing model · Compliance · Volume · Third-party audit · +1 Data verified on Jun 14, 2026
- banks.data.fdic.gov Deposit guarantee · Legal name Data verified on Jul 19, 2026
- docs.column.com Fiat rails · Sdk languages · Settlement times Data verified on Jun 14, 2026
- sacra.com Processed volume Data verified on Jun 14, 2026
Show 3 more sources
- crowdfundinsider.com Founders Data verified on Jun 13, 2026
- thetwentyminutevc.com Headquarters Data verified on Jun 13, 2026
- upstartsmedia.com Founded · Processed volume Data verified on Jun 13, 2026