Sanafi
Sanafi Labs
Sanafi is a crypto neobank with 0% FX and cashback in the SANA token, claiming a self-custody model and direct contact with the team. The service is still in development, with no confirmed launch, and the SANA token value is unverified; custody details are not consistent, so no definitive claim about custody can be made.
Data & conditions
| Account fee | Free |
|---|---|
| IBAN | condiviso |
| Multi-currency | No (single currency) |
| Outbound transfers to third-party IBANs | No |
| Utility direct billing | No |
| SEPA direct debit (SDD) | No |
| ATM withdrawal | not declared |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | US, EEA, APAC, LATAM, MENA, AFRICA · 100+ countries |
| Regulator | None |
| Segment | B2C |
| MiCA / License status | None |
Plans & pricing
Strengths
- Self-custody; 0% FX; cashback in SANA; direct team contact; privacy 7/10.
- No notable sovereignty advantage documented.
Weaknesses
- In development; SANA token value unverified; no confirmed launch.
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
The high rating is largely a matter of trust: 0% FX and cashback in the SANA token are promising, but the service is still in development, with no confirmed launch, no regulator and an unverified token value. Custody information is inconsistent, so for the ordinary user real protection remains to be demonstrated.
Through this lens the self-custody claim and direct team contact are attractive, but precisely because custody information is inconsistent no definitive claim can be made. With full KYC and mid privacy, the promised autonomy stays unverified.
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
Is Sanafi a real bank?
Sanafi is a digital financial service. The deposit-protection scheme is not documented for this service; check the official terms.
Can I send transfers to third-party IBANs with Sanafi?
The ability to send transfers to third-party IBANs is not documented; check the official website.
Does Sanafi support direct debits and utility billing?
SEPA direct debit (SDD): not documented. Utility-bill domiciliation: not documented.
Which fiat currencies does Sanafi support?
The number of supported fiat currencies is not documented. Multi-currency accounts: not documented.
Can I withdraw crypto on-chain from Sanafi?
On-chain crypto withdrawal is not documented; check the official website.
Sources
- Official service page Plans & pricing · Regulatory framework · Multi-currency · Deposit guarantee Data verified on Jul 10, 2026
- coingecko.com Stock ticker · Stock listing · IPO date Data verified on Jun 15, 2026
- panewslab.com Founders · On-chain crypto withdrawals · Plans & pricing · Issuer Data verified on Jun 14, 2026
- rocketreach.co Issuer Data verified on Jun 14, 2026