Solutions · Web3 Digital Assets
Run crypto like a well-governed treasury account
Blockchain moves value in minutes, around the clock and across borders. Most businesses still manage it with scattered wallets, manual checks and one person holding the keys.
Activo Group helps you bring every wallet, exchange and payment rail under one secure, policy-driven platform, so digital assets can be used for payments, treasury and investing with the same control you expect from fiat.
- Crypto-native businesses
- Payment providers
- Cross-border traders
- Web3 & DeFi
- AI agent products
The challenge: blockchain is fast, business controls are not
Digital assets promise faster settlement, lower costs and transparent records. In practice, many businesses run them like a side project: wallets spread across exchanges, devices and team members, conversions done by hand, and compliance checked after the money has moved.
The risk is not the technology. It’s the missing operating model around it: who can move funds, under what rules, with what checks, and how every transaction reaches the books.
Today
Crypto as a side project
- Wallets scattered across exchanges, devices and people
- Keys held by one person, with no clear recovery plan
- Manual conversions, spreads and fees eating into margin
- AML and transaction screening done after the fact
- Reconciliation and tax reporting rebuilt from spreadsheets
With a digital asset operating model
Crypto as a treasury account
- One view across every wallet, exchange and fiat account
- Self-custody with multi-party approvals and no single point of failure
- Policy-driven transfers, swaps and on/off ramps
- Screening built into every transaction, before it moves
- Automated reports for finance, audit and tax
Custody
Who holds the keys?
Lost or compromised keys mean lost funds. Custody needs shared control, recovery and separation of duties.
Fragmentation
Where is everything?
Assets sit across chains, exchanges and wallets, so nobody has a single, current view of balances.
Compliance
Is this counterparty clean?
AML, know-your-transaction (KYT) screening and evolving regulation apply to every movement of funds.
Volatility
What is it worth today?
Prices move 24/7. Without exposure limits, operating cash can become an unplanned investment.
Cost
What are we really paying?
Network fees, exchange spreads and conversion charges add up when they are not managed centrally.
Governance
Who approved this?
Boards, auditors and regulators expect clear policies, approvals and an audit trail for every transaction.
Treat crypto like any treasury account
The answer is one platform at the centre of your digital asset operations: self-custody wallets, exchange and bank connectivity, compliance screening and accounting integration, all governed by the same policies.
One platform, every connection
What changes
- One balance sheet view: every wallet, chain and exchange in one place, in real time
- Self-custody without single points of failure: you control the assets, no single person can move them alone
- Fiat and crypto side by side: convert, pay and receive through connected payment rails
- Compliance by default: screening and risk checks run before funds move
- Finance-ready: transactions flow into accounting with the data auditors and tax advisers need
- API-first: wallet creation, payments and payouts automated from your own products
Every transaction, end to end
Deposits, transfers, swaps and on/off ramps all follow the same controlled path. Routine payments flow automatically; anything unusual stops for the right approver.
Request
A payment, payout, swap or withdrawal is raised by a person, system or agent.
Screen
Counterparty and transaction risk checked with AML and KYT tools.
Approve
Policy decides: auto-approve, multi-party sign-off, or block.
Execute
Signed and sent on-chain, or converted through fiat rails.
Reconcile
Recorded, valued and posted to the books with a full audit trail.
↺ Same controls, every transaction
Transaction types we put under control
| Transaction | What it does | Key control |
|---|---|---|
| Deposit | Receive crypto from customers or partners | Source-of-funds screening |
| Transfer | Pay suppliers, staff or partners | Address allow-lists and limits |
| Swap | Convert between digital assets | Price and slippage limits |
| On-ramp | Convert fiat into crypto | Approved banks and venues |
| Off-ramp | Convert crypto back into fiat | Treasury policy and sign-off |
| Mass payout | Pay many recipients at once | Batch review and approval |
Policy engine · illustrative
Rules that run before money moves
Example rules and thresholds; yours are set with your board and advisers.
Programmable money needs programmable controls.
Faster payables and receivables
For businesses that pay and get paid across borders, digital assets and stablecoins can replace slow, costly rails for accounts receivable and accounts payable. The benefit depends on your corridors, counterparties and regulation, so we start by mapping where crypto genuinely helps and where fiat should stay.
Traditional rails compared with on-chain settlement
| Traditional cross-border | On-chain | |
|---|---|---|
| Availability | Banking hours and holidays | 24/7/365 |
| Settlement | Often days, through intermediaries | Minutes, network dependent |
| Visibility | Limited tracking | Shared, tamper-evident ledger |
| Costs | Fees and FX at each hop | Network fee plus conversion |
| Automation | Manual files and approvals | APIs and smart contracts |
General characteristics; actual speed and cost vary by network, venue and corridor.
Where businesses see the benefit
- Cash flow: faster settlement means funds are available sooner
- Lower cost: fewer intermediaries on international payments
- Transparency: every payment traceable on a shared ledger
- Smart contracts: pay automatically when a delivery milestone is met
- Global reach: pay partners in markets that are hard to serve through banks
- Mass payouts: pay creators, affiliates or contractors in one batch
Treasury and investing, governed by policy
Holding digital assets on the balance sheet is a board decision, not a trading habit. We help you write and automate a treasury policy that separates operating liquidity from reserves and strategic holdings, with limits, rebalancing rules and reporting your board can trust. We don’t give investment advice; your policy is set with your board and financial advisers.
A tiered digital asset treasury
Example policy allocation
- Operating liquidity: fiat and stablecoins for payables in the next few months
- Reserves: buffer held under strict limits and approvals
- Strategic: long-term holdings within a board-approved cap
Illustrative only, not a recommendation.
Risk controls we build in
- Exposure limits per asset, chain and counterparty
- Automatic rebalancing triggers when limits are breached
- Segregated wallets for operations, reserves and client funds
- Daily valuation and profit and loss in your reporting currency
- Due diligence on exchanges, custodians and DeFi protocols
- Board reporting with the full approval and audit trail
Who benefits most
The businesses that gain most are those running many wallets across chains and venues, and those paying or getting paid across borders at volume.
Crypto-native
Exchanges, brokers and OTC desks
Client and operating funds across many assets, where segregation and controls are critical.
Payments
Payment providers and gateways
Merchant settlement, conversion and payouts in many currencies, at volume.
Web3 & DeFi
Protocols, games and marketplaces
Treasuries, liquidity and creator payouts spread across several chains.
Funds
Crypto funds and corporate treasuries
Diverse portfolios needing segregation, reporting and investor-grade governance.
Cross-border
Agencies and international traders
Paying publishers, suppliers and contractors in many markets, faster and for less.
AI products
AI agents that pay and get paid
Agents buying data, compute and services need wallets with spending rules.
Wallets for AI agents
As autonomous agents start transacting with each other, they need money they can use without being handed the keys to the treasury. Programmable wallets give every agent a budget, a rulebook and an audit trail.
Guardrails
What each agent wallet enforces
- A dedicated wallet per agent or workflow
- Spending limits per transaction, day and month
- Allow-listed counterparties and assets only
- Human approval above set thresholds
- Instant freeze if behaviour looks wrong
Use cases
Where agent payments make sense
- Paying per use for data, APIs and compute
- Automated supplier payments on delivery
- Micro-payouts to creators and contributors
- Agent-to-agent services and marketplaces
- Refunds and rebates within set rules
Related: AI Models & Agents →
Our platform partner: inabit
We implement digital asset operations on inabit, an all-in-one digital asset management platform built for businesses. It brings secure self-custody, payments, governance and reporting together, so you can run crypto alongside fiat in one place.
- Self-custody wallets
- Deposits, transfers & swaps
- On and off ramps
- 50+ currencies
- Exchange connectivity
- Web3 wallets
- Developer API
Platform capabilities
- Secure asset management: a self-custody wallet system, with no reliance on third parties to hold your assets
- Integrated payments: convert between crypto and fiat and make global payments
- Automated governance: custom transaction policies and multi-signature approvals
- Reporting: detailed reports for compliance, tax and audit
- Developer portal and API: automate everything from wallet creation to payments
Where we help
Digital asset review
Map your wallets, flows, risks and costs, and where crypto genuinely helps.
Wallet consolidation
Move scattered wallets into secure, multi-party self-custody.
Policy and governance
Approval rules, limits, roles and treasury policy, automated end to end.
Payments and on/off ramps
Receive, pay and convert across crypto and fiat rails.
Compliance and reporting
Screening, reconciliation and reports for finance, audit and tax.
API and agent integration
Embed wallets and payments in your products and AI agents.
Related services
Start today
Bring your digital assets under one roof
Tell us how you hold, pay and receive crypto today. We’ll show you how to consolidate wallets, automate approvals and compliance, and run digital assets with the same confidence as your bank accounts.
