Costs, licensing, consumer protection Privacy, self-custody, censorship resistance
A C Crypto Payment Infrastructure (B2B)

Baanx / Crypto Life

Baanx

Baanx.com Ltd

Status
Private company
Legal HQ
UK
Founded
2018
Corporate site
baanx.com

Main investors / shareholders

  • Ledger · Other
  • Tezos Foundation · Other
  • Chiron · Other
  • British Business Bank · Other
  • Blockchain Founders Fund · Other
  • BlocTech Investment Group · Other
  • BnkToTheFuture · Other
  • W3C Corp (Exodus acquisition, announced Nov 2025) · Other

Acquisition by Exodus/W3C Corp announced November 2025 for ~$175M (including Monavate). Main holding: Baanx Group Ltd (#11155938). Operating entity: Baanx.com Ltd (#11155611).
4.0/5 2.4/5
Service Stablecoin infrastructure

Data verified on unchanged since the sources

Worth it if you're a fintech that wants to issue a crypto card on a proven backend (MetaMask Card, Exodus Card) under FCA and ADGM oversight.

Avoid it if you're a retail user: Baanx is B2B infrastructure, not a product you can open and use directly.

Visit official website ↗

An infrastructure provider powering backends such as MetaMask Card and Exodus Card, with a proven platform. It is a B2B solution, not available directly to retail users.

38
Transparency: Low
38/100 · see methodology
38
Data exposure: Low
38/100 · lower is better for sovereignty · methodology

Data & conditions

Service type Stablecoin infrastructure
Pricing model Not disclosed
Card networks Visa, Mastercard
Card types debit
Fiat rails SEPA, SWIFT
Stablecoins USDC, USDT
Custody model non-custodial
Certifications PCI-DSS-L1
SDK REST API, JavaScript
Fund custody Self-custody (funds in your control)
KYC Full
Supported countries EEA, UK, US, APAC · 60+ countries
Regulator FCA
OAM Italy registration No
Segment B2B
MiCA / License status EMI FCA + ADGM

Strengths

  • Backend of MetaMask Card, Exodus Card: infrastruttura collaudata.
  • Self-custody: funds stay in your wallet — the platform cannot touch them.

Weaknesses

  • B2B: not available directly for users retail.
  • Full KYC required: verified identity, zero pseudonymity.
  • Subject to regulation (FCA + ADGM): reporting to authorities and freezes on order.

Verdict

A C ★ 4.0/5 ★ 2.4/5

The strong rating rests on dual FCA and ADGM oversight and a verifiable track record: it powers the backends of MetaMask Card and Exodus Card, infrastructure already proven at real volume. For the client business it means a supervised, dependable provider, with full KYC and no known incidents on its record.

Through this lens the verdict drops: although non-custodial, Baanx remains an FCA-supervised issuer with full KYC, designed to plug into mainstream products rather than serve trustless or censorship-resistant aims. Even where it powers crypto-native wallets like MetaMask, the compliance and identity layer it imposes pulls it away from any ethic of individual sovereignty.

Privacy & anonymity 30% 1.3
Fund control 20% 5.0
Censorship resistance 20% 1.5

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.

Reputation

What happened to people who used Baanx / Crypto Life, and what users say. External signals: they do not feed the promp.it rating.

Incidents & regulatory actions

History not verified

We have not yet completed the incident search for this service: no entries here does not mean no events.

Public reviews

3.4/5 256 reviews
  • Trustpilot ↗ 3.4/5 256 reviews

    Profile of the Crypto Life / CL Card product (cl-cards.com), provided by Baanx: correctly attributed to the service. Count read on 2026-09-13; it grows over time (a local subdomain showed 247). Recent negative reviews (disabled accounts, blocked withdrawals) are rising sharply in 2026 but are NOT confirmed by any primary source: see the incidents note in staging.

Weighted average across 1 public review platform (256 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.

FAQ

What service does Baanx / Crypto Life offer?

Baanx / Crypto Life is a Crypto Payment Infrastructure service with a hybrid model pricing.

What compliance does Baanx / Crypto Life hold?

Certifications: PCI-DSS-L1.

How much does it cost to integrate Baanx / Crypto Life?

Pricing model: a hybrid model. Per-unit fees are not published: they depend on volume and contract.

Does Baanx / Crypto Life support stablecoins?

Supported stablecoins are not documented.

Who is Baanx / Crypto Life for?

Target: B2B. SDKs and integrations are not publicly documented.

Sources

Show 10 more sources

Update history

✓ Terms unchanged since Jun 14, 2026

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Alternatives to Baanx / Crypto Life

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Baanx / Crypto Life VS AnomaPay Baanx / Crypto Life VS Circle Baanx / Crypto Life VS Elliptic Baanx / Crypto Life VS Kinexys Baanx / Crypto Life VS Liminal Custody Baanx / Crypto Life VS Paxos
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