Things clients ask
on day one.
Not every question has a short answer. These do. If yours isn't here, reach the desk directly.
We onboard institutional and high-net-worth clients across North America, Europe, Latin America, and — as of 2026 — Asia-Pacific. Corporates, funds, family offices, and qualifying individuals. Each applicant is routed to the entity that best fits their jurisdiction and use case.
It depends on where you are and what you need. EU clients typically go through our Latvian SIA (MiCA in progress). Swiss and European HNW through SAGL. North American flow through LLC or Ltd. LATAM corridor flow through LLC with support from our Colombia and Panama points of contact. Our team confirms this on the intro call.
Median spread on major pairs (BTC, ETH, USDC, USDT against our six fiat currencies) is around 10 basis points for institutional-size tickets. Smaller or more exotic pairs widen from there. We quote as principal — what you see is what you pay.
Live: USD, EUR, GBP, MXN, COP. Coming in 2026: CAD and JPY. We settle crypto in BTC, ETH, USDC, USDT, and select L1s on request.
Fiat sits in ring-fenced accounts with tier-1 correspondent banks — client money is never pooled or used on our balance sheet. Crypto is held with qualified institutional custodians across cold, warm, and MPC hot wallets, with insurance coverage at every tier.
Average turnaround is 36 hours from complete documentation to first wire. Complex cases (multi-jurisdiction corporates, trust structures) can take a week. Enhanced due diligence is non-negotiable — it's the price of the licenses we hold.
T+0 on OTC trades. Fiat in via SEPA Instant, SWIFT, or FPS. Fiat out back to your own IBAN, to a third-party payment account you nominate, or out to self-custody on-chain.
IBAN and vIBAN functionality is partner-enabled and subject to onboarding approval, jurisdiction, and applicable product route. Availability is confirmed during the onboarding process — not all clients or jurisdictions qualify.
Standard KYB/KYC: certificate of incorporation, shareholder register, UBO declarations, proof of business address, source-of-funds documentation, and a compliance questionnaire. Enhanced due diligence applies for complex structures. We'll confirm the exact list on the intro call.
No. GOAT Finance is an institutional and HNWI-only platform. We do not onboard retail clients, consumer accounts, or unqualified individuals.
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