Banking in a Box
Global Banking Solutions
A complete guide to launching a branded digital bank. Learn the infrastructure, the economics, and the global compliance models that power the world's leading fintechs.
What Is Banking in a Box?
Banking in a Box is a complete white-label digital banking platform that lets you launch your own branded bank — fully operational, compliant, and ready to serve clients in 180+ countries.
It’s the same infrastructure used by global fintech leaders like Revolut, but with the added advantage of an offshore, tax-neutral jurisdiction. You own the client relationship, set your own fee structures, and earn revenue from every transaction your clients make.
How a Bank Makes Money
Nearly everyone dreams of owning a bank because it’s the only business that earns while you sleep. With a digital bank, you can customize fee percentages per industry, company, or transaction type — giving you total control over your profit model.
- Transaction fees — charged on every incoming and outgoing transfer.
- Currency exchange fees — spreads on FX conversions.
- Lending — regulated lending of deposited funds.
- Asset investment — using the balance sheet for projects.
Why Create an Industry-Specific Bank?
You can launch a bank branded specifically for your industry — for example, a dedicated oil and gas bank.
Your website becomes a trusted financial hub for professionals, suppliers, and investors in your sector. You earn fees not only on transactions but also on escrow deposits held securely in your bank.
Offering a fast, offshore, tax-efficient solution attracts clients who struggle to open reliable accounts globally through traditional means.
Global Reach — Who We Can Serve
EQIBank’s Banking-in-a-Box can serve individuals and businesses from 180+ countries, including historically under-banked regions in Africa, South Asia, and the CIS.
Even in Europe or the US, opening a corporate account is increasingly difficult. An offshore account in a neutral jurisdiction solves these problems instantly.
- Multi-currency support spanning 100+ global currencies.
- International business capability with tier-1 correspondent networks.
- Freedom from local political and tax burdens.
The Offshore Advantage
Our regulatory jurisdiction is The Commonwealth of Dominica (not the Dominican Republic). This provides a massive strategic advantage for your users.
- Zero tax on transactions not connected to local business.
- No income, corporate, or capital gains tax for offshore activities.
- Escrow-based transactions fully supported.
Traditional banks regularly freeze transfers over $10,000. EQIBank’s compliance is strong but reasonable — fact-based, not politically influenced. Transfers of $50–60 million are entirely possible with proper documentation.
Onshore vs Offshore Banking
| Feature | Onshore Bank (China, Europe) | Offshore Bank-in-a-Box |
|---|---|---|
| Tax on incoming funds | ~6% (varies) | 0.5% fee (all-in) |
| Tax on outgoing transfers | Often taxed again | 0.5% fee (all-in) |
| Corporate income tax | Up to 25% | 0% |
| Time to open account | Weeks to months | Fast, digital onboarding |
| Red tape / oversight | High | Low, direct |
| Blocking of large transactions | Common | Rare with proper docs |
Platform Features at a Glance
Full White-Label Capability
Your brand, logo, domain, and colors completely overlay the banking infrastructure.
Escrow Built-In
Secure fund holding mechanisms to facilitate and protect large corporate deals.
Crypto Integration
Mint your own coin, manage custody, and swap crypto to fiat instantly.
100+ Fiat Currencies
Massive global send and receive capability with minimal FX friction.
Correspondent Network
Payments routed safely through Tier-1 banking rails.
AI-Driven KYC/AML
Fast, accurate, and totally automated compliance engine to scale onboarding.
Client Scenarios
Simple Account Holder
A Singapore company opens an EQIBank-powered account. They get scalable, real banking with no arbitrary geographical limits.
The Business Builder
You offer your clients free accounts at your own branded bank. Every single transaction they make generates fees that flow back to you.
The Investor’s Transparency Tool
Investors require portfolio companies to bank through your specific platform, granting them real-time visibility of fund usage.
Profit Sharing Model
EQIBank and Sterling Mercantile handle the licence, compliance, and technology required to run the bank.
You keep 95% of the net profit generated by your branded bank.
Your Costs Include:
- A modest monthly maintenance fee.
- Standard correspondent bank charges and base operational costs.
Net Profit = Total Client Fees – Direct Banking Costs
Why Banking in a Box?
Collect fees on every transaction.
Deliver true global financial inclusion.
Your brand, your fees, your clients.
Strategically structured through Dominica.
Schedule a consultation with Sterling Mercantile to begin your Banking-in-a-Box journey. Your own digital bank — compliant, profitable, and globally connected — is just weeks away.
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Bank in a box