01
Regulation as moat
Compliance is not a cost we minimize — it is the product. Every entity, every license, every audit is documented, public-record-verifiable, and not negotiable away when revenue gets tight.
08 · The group
Four regulators.
One principal desk.
GOAT Finance is the consolidated group running multi-jurisdictional regulated fiat-crypto rails. Four licensed entities across three continents — each with its own regulator, each independently capable of settling on its own rails, all coordinated under one principal desk.
02 / MISSION
Most crypto-fiat shops
started in a spreadsheet.
We started in a regulator's office.
Most crypto-fiat operators are startups dressed in fintech language. GOAT Finance is the opposite: a regulated group built by people who have run real desks at real banks, applying the rules and the discipline of institutional finance to the fiat-crypto edge — not the other way around.
We do not promise speed by skipping enhanced due diligence. We do not promise tight spreads by burying execution costs inside opaque fees. We do not promise custody convenience by holding your assets on our balance sheet. What we offer is the unfashionable thing: a regulated counterparty, a published spread, a custodian-to-custodian settlement, and a real person in your timezone.
03 / VALUES
Four principles.
Not negotiable.
02
Principal, not agent
We take the other side of every quote against our own book. No splitting across venues, no order-book gymnastics, no commissions hidden in spreads we don't control. The number you see is the number you pay.
03
Non-custodial by design
Client assets never sit on our balance sheet. Fiat lives with tier-1 correspondent banks. Crypto lives with qualified custodians. We route, the regulator audits both sides.
04
On-the-ground, every corridor
A real person in the timezone you operate in. Not a chatbot, not a ticket queue. Lugano, Miami, Toronto, Riga, Bogotá, Panama City — and Tokyo when Q3 2026 lands.
04 / THE GROUP
Six entities.
One regulator at a time.
GOAT Finance registered its Swiss entity with PolyReg in 2024, the same year we registered as an MSB with FinCEN in the US. Canada followed in 2025 with FINTRAC. Our EU arm is transitioning to GOAT Finance SIA in Latvia, currently in registration — targeting MiCA authorization for the EU single market.
Today we run a principal OTC desk and a fiat banking stack that speaks SEPA, FPS, and SWIFT — live in USD, EUR, GBP, MXN and COP, with CAD and JPY next. Points of contact in Colombia and Panama open in 2026, alongside GOAT Finance KK in Tokyo.
How it came together
- 202401
GOAT Finance SAGL incorporated · Switzerland
Lugano-based parent entity registered with the Swiss commercial register. PolyReg SRO membership granted, opening the regulated rails for fiat-crypto execution in the DACH and Italian corridors.
- 202402
GOAT Finance LLC registered · United States
Miami-based MSB registered with FinCEN (#31000303269462), focused on USD and LATAM-corridor flow for corporates and family offices.
- 202503
GOAT Finance Ltd registered · Canada
Toronto-based MSB registered with FINTRAC (#C10001600), covering CAD-denominated treasury and the US-Canada cross-border corridor.
- 202604
SIA Latvia incorporated · MiCA application in progress
Riga-based entity incorporated under Latvian law. MiCA authorization application submitted to FCIS. Once granted, the EU passport applies — opening regulated rails across all 27 EU member states.
- 202605
Strategic regional offices · Bogotá and Panama City
Two on-the-ground points of contact established for the LATAM corridor — supporting onboarding, compliance liaison, and local client relationships across the region.
- 202606
KK Japan incorporation in progress · JFSA application
Tokyo-based entity incorporation underway. JFSA crypto-asset business operator application targeted for Q3 2026 — extending coverage into the Asia-Pacific corridor.
05 / REACH US
Seven offices. One desk.
Our team answers across four continents. Pick a city, or just email the desk.
Lugano
SAGL
Switzerland
Via Serafino Balestra 27
CET · --:--
Riga
SIA
Latvia
Kr. Valdemāra iela 21
EET · --:--
Miami
LLC
United States
801 Brickell Avenue
EST · --:--
Toronto
Ltd
Canada
181 Bay Street
EST · --:--
Tokyo
KK · soon
Japan
Marunouchi — opening Q3
JST · --:--
Bogotá
SRO · soon
Colombia
Carrera 11 · SRO 2026
COT · --:--
Panama City
SRO · soon
Panama
Calle 50 · SRO 2026
EST · --:--
06 / EXPLORE
More about the group.
Regulatory moat
The map
The four regulators, the four entities, and the jurisdictions each one covers. The full regulatory footprint of the group.
Open the map
From wire to trade
How it works
The four-step flow: onboarding under the right entity, partner-enabled funding, principal OTC execution, and settlement.
See the flow
Identity
Brand
The full design system — color, typography, voice, motion, and the rationale behind every decision.
Open the kit