How to Open a US Business Bank Account for a Crypto Company
Crypto banking fails when the story does not match the company. LLC, EIN, address, honest description — then Mercury prep. OtoCo is not a bank.
80 posts
Crypto banking fails when the story does not match the company. LLC, EIN, address, honest description — then Mercury prep. OtoCo is not a bank.
Instant Series for speed. Standalone when a bank or investor needs a registry lookup. Both are real US LLCs — different recognition layers.
Wyoming is the practical crypto default. Delaware when US investors already expect it. Offshore (including Marshall Islands) is specialist — Instant RMI minting is disabled.
Skip the fake "$50 LLC" quote. Here is the real year-one cost stack for a US crypto company — formation, EIN, banking, counsel and compliance — with a calculator-style breakdown.
Token launches do not fail only on contracts. They stall when an exchange asks for incorporation papers, a market maker wants a counterparty, counsel asks who owns the IP, or a bank
An onchain LLC is a real US company you form and own from a wallet. Here is what wallet ownership actually means — and why it matters.
Delaware is the prestige default — not always the smart one. When non-US founders should choose it, what it costs in 2026, and when Wyoming wins.
Foreign founders choose Wyoming for privacy and low annual cost. Here's what a Wyoming LLC is, what it costs, and how to run it from abroad.
Four ways to form a US company from abroad. Here's who each platform is actually for — and where OtoCo's onchain stack is different.
Before you launch a token, form the LLC wrapper: entity role, treasury ownership, IP, EIN, banking, and the legal setup founders usually skip.
Tired of Wise and PayPal for US clients? Here's the remote stack non-residents actually need for a US business bank account — and what OtoCo can do.
Pass-through does not mean no paperwork. What foreign LLC owners actually owe — and what they must file, including Form 5472.