Not yet authorised. Credium Digital EAD is pursuing MiCA CASP authorisation. Services described are not currently offered or available.
Operating model

Liquidation Address, Virtual Account Number, External Account

Three core concepts underpin the proposed Credium Digital EAD operating model. They define how a conversion request is technically executed within a regulated, non-custodial framework.

Regulatory disclaimer

Credium Digital EAD is currently preparing and pursuing the authorisation process as a Crypto-Asset Service Provider under MiCA. The services described on this website are not currently offered, available or open to customers. They will only be provided after the required regulatory authorisation has been granted by the competent authority. This website is for informational and explanatory purposes only and is intended to describe the proposed business model.

Three core concepts

A. Liquidation Address

An Ethereum wallet address owned and operationally controlled by Credium Digital EAD, used exclusively as a temporary technical location to receive supported crypto-assets after a client has created and approved a conversion request.

The Liquidation Address is not a client wallet, not a custody account, not a payment account, not a deposit and not a continuing client balance.

B. Virtual Account Number

A unique reference code assigned to a verified client and inserted in the payment reference of a fiat bank transfer to Credium Digital EAD. It is used only to reconcile fiat transfers with a specific conversion request.

It is not an IBAN, not a payment account, not a deposit and not an e-money instrument.

C. External Account

A verified bank account, wallet, crypto account or other external account owned, controlled or lawfully available to the client, used as the source or destination of fiat funds or crypto-assets.

Conversion flows

On-Ramp
Verified Bank AccountCredium Corporate Account + Virtual Account NumberConversionVerified External Crypto Account
Off-Ramp
Verified External Crypto AccountCredium Liquidation AddressConversionVerified Bank Account
Swap
Verified External Crypto AccountCredium Liquidation AddressConversionVerified External Crypto Account