Crypto-as-a-Service: Lirium's B2B API for Banks, Wallets and Brokers

Crypto-as-a-Service B2B: the regulated API that connects banks, wallets and brokers to crypto

How does a traditional financial institution launch crypto services without building its own infrastructure? In this MERGE Madrid talk, Lirium —a B2B provider regulated in Liechtenstein with 12 years in the industry and applying for MiCA— walks through the real path its clients take to production. Cases include Banco Galicia, Cocos Capital, family offices and regional neobanks in Latin America.

What you'll learn

• Crypto-as-a-Service model: how a regulated API in Liechtenstein delivers custody, liquidity, tokenization, staking and lending to banks
• Two client profiles: traditional banks vs. neobanks/wallets/brokers and why implementation speed varies so much
• Three steps to production: use case, parallel contracts and compliance, and API technical integration over 3 to 6 months
• Custody and liquidity: Bitgo and Fireblocks infrastructure with sharded keys, no smart contracts in custody, and wholesale liquidity via orderbook sweeping
• Business model: no integration, custody, maintenance or per-API-hit fees; wholesale price bundled with client-defined markup

Session summary

Client profiles and ownership. Traditional banks with large structures and tech players (neobanks, wallets, brokers) follow the same steps but at different speeds. When product and tech own the project, integration is fast; when compliance, legal, risk and finance get involved horizontally, timelines stretch. Clear ownership is the biggest differentiator.

Three steps to launch. The typical process takes 3 to 6 months: define the use case (from turnkey white-label solutions to stablecoins for international payments in markets like Bolivia); in parallel, contracts, controls, compliance and risk management; and technical integration via API, executed in around 3 weeks when internal product ownership is clear.

Regulated custody and liquidity. Lirium offers regulated custody powered by Bitgo and Fireblocks infrastructure (sharded keys signed across parties, no smart contracts in custody) and wholesale liquidity by sweeping the orderbook of regulated exchanges thanks to its price provider license in Liechtenstein. Custom tokenization and access to DeFi staking and lending protocols are activated after the initial integration.

Business model with no fixed fees. No integration, custody, maintenance or per-API-hit fees: the wholesale price is bundled and each client applies its own markup based on local competition. A web dashboard is also available for family offices and funds that prefer manual operation without tech development. The portfolio includes banks like Banco Galicia, brokers like Cocos Capital, regional neobanks, wallets and family offices.

Watch the full session

Watch the full talk on MERGE's YouTube channel, with Lirium explaining the real steps for a bank, broker or neobank to launch crypto services via a regulated API.

FAQs

What is Crypto-as-a-Service?
A B2B model where a regulated provider delivers the full crypto stack —custody, liquidity, tokenization, staking, lending— via API so banks, wallets and brokers can launch services without building their own infrastructure.

How long does it take to integrate a crypto solution?
3 to 6 months to production. The technical API integration can take around 3 weeks; timelines stretch when compliance, legal and risk get involved horizontally in the organization.

How are assets custodied?
Regulated custody powered by Bitgo and Fireblocks infrastructure, with sharded keys signed across parties. No smart contracts in custody, only in custom tokenization projects.

What's the pricing model?
No fixed fees for integration, custody, maintenance or per-API-hit. The wholesale price is bundled and each client applies its own markup based on local market competition.