# Bienrock

> Bienrock is a banking and payments consultancy based in Geneva, Switzerland. It is not a bank.

Bienrock prepares a company's case and introduces it to banks, EMIs, acquirers and trade finance providers. Financial institutions make their own onboarding, risk and financing decisions. Bienrock does not guarantee account approval.

## Services

- [Bank Accounts for Day-to-Day Operations](https://bienrock.ch/bank-accounts): We assist companies in managing and transferring their funds globally with ease, utilizing our extensive network of payment platforms.
- [Card Acquiring and Open Banking for Merchants](https://bienrock.ch/merchant-acquiring): We offer specialized acquiring services for both, low and high risk merchants, providing reliable and efficient solutions to accept and process payments.
- [Payment Rails for Fintechs and Banks](https://bienrock.ch/payment-rails): We provide Fintechs and Banks payment rails solutions to streamline their financial operations.
- [MiCA Infrastructure for Financial Institutions](https://bienrock.ch/mica-infrastructure): Find EU MiCA-authorised CASP partners for embedded crypto services. Bienrock helps EMIs, MSBs, MPIs and fintechs assess providers and structure partnerships.
- [Outsourced Head of Banking](https://bienrock.ch/head-of-banking): Your Head of Banking without a full-time hire. Banking strategy, accounts, payments and FX. Access to 200+ financial institutions. From €3,000/month.
- [Outsourced Head of Trade Finance](https://bienrock.ch/head-of-trade-finance): Bienrock acts as your external trade finance team, coordinating bank communication, structuring commodity transactions and preparing financing requests.
- [Commodity Trade Finance](https://bienrock.ch/trade-finance): Trade finance support for commodity businesses: banking relationships, deal structuring and access to suitable financing providers.

## Industries

- [Bank Accounts for Crypto Companies](https://bienrock.ch/banking-for-crypto-companies): The crypto market has crossed $4 trillion in capitalization — but the vast majority of banks still won't open an account for a company with any crypto exposure.
- [Bank Accounts for Forex & CFD Brokers](https://bienrock.ch/banking-for-forex-cfd-brokers): Banking and payment infrastructure for Forex and CFD brokers, including operating accounts, segregated accounts and payment processing.
- [Bank Accounts for Defense Companies](https://bienrock.ch/banking-for-defense-companies): Banking support for defense companies, from provider matching and compliance preparation to onboarding with suitable financial institutions.
- [Bank Accounts for Amazon FBA Sellers](https://bienrock.ch/banking-for-amazon-fba-sellers): Banking support for Amazon FBA sellers managing cross-border inventory, seasonal volumes, refunds and marketplace settlement flows.
- [Bank Accounts for OnlyFans Agencies](https://bienrock.ch/banking-for-onlyfans-agencies): Bank accounts for OnlyFans agencies: USD accounts for payouts, a subaccount for every model, and banks that know your business model upfront.

## Blog

- [Banking and payments blog](https://bienrock.ch/blog): All Bienrock articles on corporate banking, payments, crypto and trade finance.
- [OnlyFans Agency Bank Account Closed or Rejected? What to Prepare Next](https://bienrock.ch/blog/onlyfans-agency-bank-account-closed-what-to-prepare): What an OnlyFans agency or a creator's own company should do after a bank rejection or closure, and which documents to prepare for the next onboarding.
- [POBO vs COBO: How Payments and Collections On Behalf Of Clients Actually Work](https://bienrock.ch/blog/pobo-vs-cobo-payments-and-collections-on-behalf-of): POBO vs COBO for fintech and payment companies: how payments and collections on behalf of clients work, what banks check, and which model your flows need.
- [Letter of Credit Documents and Rejection: How to Obtain an LC and Avoid Discrepancies](https://bienrock.ch/blog/letter-of-credit-documents-and-rejection): How companies obtain a letter of credit, which documents are presented, why banks refuse discrepant documents, and which LC fees apply along the way.
- [Export Letter of Credit for Grain Trade: How One Deal Actually Works](https://bienrock.ch/blog/letter-of-credit-for-grain-trade): How an export letter of credit works in a grain deal: the parties, each step, the grain document set, discrepancies and the fee types to expect.
- [Payments to Electronics Suppliers in China: What Banks Actually Check](https://bienrock.ch/blog/payments-to-electronics-suppliers-in-china): What banks review when an electronics trading company pays suppliers in China, from invoices and beneficiary names to currency choice and export controls.
- [Bank Account Documents for Trading Companies: What Banks Actually Check](https://bienrock.ch/blog/bank-account-documents-for-trading-companies): Which documents banks ask import-export and commodity trading companies for when opening a corporate account, and why consistency matters more than volume.
- [Cosmo Payment vs Paxum vs Wise for OnlyFans Agencies, Compared](https://bienrock.ch/blog/cosmo-payment-vs-paxum-vs-wise-for-onlyfans-agencies-compared): Compare Cosmo Payment, Paxum and Wise for OnlyFans agencies, including fees, coverage, control of funds and alternatives for agency banking.
- [How Do OnlyFans Agencies Handle Banking and Payouts?](https://bienrock.ch/blog/how-do-onlyfans-agencies-handle-banking-and-payouts): How OnlyFans agencies handle creator payouts, where patched-together setups fail and how master accounts with sub-accounts can help.
- [How to Offer Client IBANs as a Fintech or Payment Company — and What Infrastructure You Actually Need](https://bienrock.ch/blog/how-to-offer-client-ibans-as-a-fintech-or-payment-company-and-what-infrastructure-you-actually-need): What fintechs need to offer client IBANs: safeguarding, ledger and payment infrastructure, structural options and EMI partner selection.
- [What Is a BIN Sponsor and Why You Need One](https://bienrock.ch/blog/what-is-a-bin-sponsor-and-why-you-need-one): Learn how BIN sponsorship enables card issuance, which programmes need it and how to evaluate sponsor capabilities and risk appetite.
- [How to Establish Banking Infrastructure for a Crypto-Enabled Company](https://bienrock.ch/blog/how-to-establish-banking-infrastructure-for-a-crypto-enabled-company): Compare two approaches to crypto banking infrastructure and learn how to structure provider selection, accounts and compliance preparation.
- [What Triggers Account Freezes in Corporate Banking — And How to Prevent Them](https://bienrock.ch/blog/what-triggers-account-freezes-in-corporate-banking-and-how-to-prevent-them): Understand common corporate account freeze triggers and how accurate onboarding, transaction controls and communication reduce risk.
- [How to Prepare for a Bank Compliance Interview When Opening a Corporate Account](https://bienrock.ch/blog/how-to-prepare-for-a-bank-compliance-interview-when-opening-a-corporate-account): Prepare for a bank compliance interview covering ownership, business model, source of funds, transaction flows and sanctions screening.
- [Why Having Revenue Doesn't Guarantee Bank Approval for a Corporate Account](https://bienrock.ch/blog/why-having-revenue-doesnt-guarantee-bank-approval-for-a-corporate-account): Why strong revenue does not guarantee bank approval, and which ownership, compliance and transaction-risk factors banks assess instead.
- [Why Banks Reject Crypto, Forex, and Trading Companies — And What Actually Fixes It](https://bienrock.ch/blog/why-banks-reject-crypto-forex-and-trading-companies-and-what-actually-fixes-it): Why banks reject crypto, Forex and trading companies — and how provider fit, documentation and compliance positioning improve the process.
- [What To Do If Your Business Bank Account Was Rejected](https://bienrock.ch/blog/what-to-do-if-your-business-bank-account-was-rejected): Diagnose a business bank account rejection, strengthen the file and choose a better-matched institution before applying again.

## About

- [About Bienrock](https://bienrock.ch/about-bienrock): Bienrock helps companies solve their banking matters globally, with help from a network of banks, payment platforms and financial institutions.
- Founder and CEO: Nikita Tsarenko.
- Financial institutions set account, payment and financing terms; Bienrock coordinates consultancy and introductions.

## Contact

- Website: https://bienrock.ch
- Email: info@bienrock.ch
- LinkedIn: https://www.linkedin.com/company/105169427/

## Optional

- [Privacy policy](https://bienrock.ch/legal/privacy-policy): Legal entities, registered addresses and how website enquiries and personal data are handled.
- [Terms and conditions](https://bienrock.ch/legal/terms-and-conditions): Bienrock's consultancy role and website terms.