Genome alternative for crypto, iGaming and PSP businesses

Genome is a Lithuanian e-money institution that accepts licensed iGaming but doesn't list crypto among its permitted industries. Narvi is a Finnish e-money institution with dedicated offers for both. Here's how they compare.

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The short answer. Choose Narvi if you run a crypto business, or an iGaming business that needs Swift as well as SEPA. Consider Genome if you're a lower-risk business that wants low published fees, 12 currencies and Visa corporate cards from a self-serve app.Genome publishes more about itself than most EMIs: full tariffs, and lists of permitted and prohibited industries. That makes the comparison precise. Every Genome fact below comes from Genome's own pages and fee document as of 21 October 2026, linked at the end.
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Table comparing Genome and Narvi on licence, account, payment rails, pricing, onboarding, crypto and industries. Details are in the text below.
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At a glance

Genome vs Narvi at a glance

Every Genome fact below is as stated on Genome's website and in its fee document on 21 October 2026. Each number in brackets links to its source; the full list is at the end of the page.Licence
  • Genome (UAB "Maneuver LT"): e-money institution, licence No. 32 from the Bank of Lithuania, issued 29 March 2018. No MiCA crypto-asset licence [1][2]
  • Narvi (Narvi Payments Oy Ab): e-money institution, Finnish Financial Supervisory Authority (FIN-FSA), registration 3190214-6, passported across the EEA [16]
Who it serves
  • Genome: self-serve online accounts for businesses and individuals; no Banking-as-a-Service. Starting limits of EUR 100,000 in and out, raised through a questionnaire [3][4]
  • Narvi: businesses, personal accounts for business owners, Banking-as-a-Service and white label [17][23]
Industry policy
  • Genome: permitted industries include licensed and regulated betting and gambling, regulated forex and trading, PSPs, EMIs and affiliate marketing. Crypto isn't on the permitted list, and unlicensed crypto and virtual-asset businesses are prohibited [6][7]
  • Narvi: dedicated offers for iGaming and Web3/crypto businesses; crypto exchanges, payment services and high-risk industries go on a custom enterprise plan [17][18][19]
Swift by industry
  • Genome: "Gambling" and "Virtual currencies" are among the industries not supported for international transfers [8]
  • Narvi: Swift under Narvi's own BIC, with no published industry exclusions [20]
Account
  • Genome: dedicated EUR IBAN in your name, which Genome contrasts with a "common virtual IBAN"; up to five accounts per currency [9]
  • Narvi: dedicated IBAN in your company's name, starting with FI, under Narvi's own BIC [20]
Payment rails
  • Genome: SEPA and SEPA Instant, send and receive, 24/7; Swift to 161 countries in 12 currencies for business clients; UK Faster Payments and CHAPS; TARGET2; Verification of Payee [8][12]
  • Narvi: SEPA and SEPA Instant 24/7, Instant at the SEPA price up to EUR 100,000 per payment; Swift under Narvi's own BIC [21]
Pricing, low-risk businesses
  • Genome: opening EUR 100, monthly EUR 10, SEPA EUR 1 in or out, Swift EUR 10 in and EUR 20 out [10][11]
  • Narvi: one-time onboarding fee plus three months of monthly fees up front; monthly fee by risk tier; minimum balance of three monthly fees (see pricing) [17]
Pricing, high-risk businesses
  • Genome (iGaming, forex, PSPs): opening EUR 500, monthly EUR 100, an administration fee of 0.5% a year on your average balance, outgoing SEPA EUR 10 plus 0.3%, outgoing Swift EUR 30 plus 0.2%, warranty reserve EUR 1,000 [5][11]
  • Narvi: crypto exchanges, payment services and high-risk industries go on a custom enterprise plan, priced after compliance review [17]
Onboarding
  • Genome: fully online; your representative opens a personal wallet first, then business verification takes "typically up to 3 business days" [3]
  • Narvi: 10-minute online application, then a compliance review and a priced offer [17]
Crypto
  • Genome: no crypto services [6]
  • Narvi: crypto OTC desk converts crypto to fiat and pays it into your account; IBANs hold fiat only [22]
API, cards and team access
  • Genome: Visa corporate cards in nine currencies, payout API and webhooks, batch files of up to 3,000 payments, a hosted payment page and Pay by Bank, up to 20 team members with roles [13][14][15]
  • Narvi: business API with public documentation; Banking-as-a-Service, white label and roles for directors, accountants and employees [23][24]
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Crypto and iGaming

Crypto and iGaming, with every rail

Crypto businessesGenome's permitted-industries list doesn't include crypto, and its prohibited list covers unlicensed crypto and virtual-asset businesses [6][7]. A licensed crypto business is neither permitted nor prohibited on paper, so only an enquiry settles it. "Virtual currencies" is also on its list of industries not supported for international transfers [8].Narvi has a dedicated offer for crypto exchanges, custodians, OTC desks and DeFi entities, and converts crypto to fiat through its OTC desk, paying it into your account [19][22].iGaming businessesGenome permits licensed and regulated betting and gambling [6], but lists "Gambling" among industries not supported for international transfers [8]. In practice, an iGaming client can use SEPA but not Swift.Narvi's iGaming offer covers SEPA, SEPA Instant and Swift under Narvi's own BIC [18][21]. Medium and high-risk tiers cover B2B payments only, so if you pay out to players or consumers, you need the enterprise plan, and we'll tell you that before you're priced.
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IBAN

Both accounts are in your name

Genome gives business clients a dedicated EUR IBAN in their own name, which it contrasts with a shared virtual IBAN, and allows up to five accounts per currency [9].Narvi does the same with a dedicated IBAN starting with FI, issued under Narvi's own BIC, NARYFIH2. You can open a separate IBAN for each entity or subsidiary and run them from one dashboard [20]. SEPA Instant is priced the same as a standard SEPA transfer, up to EUR 100,000 per payment [21].
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Fees

Read the high-risk tariff closely

Genome's high-risk tariff, which covers iGaming, forex and PSPs, combines fixed and percentage fees: EUR 100 a month, an administration fee of 0.5% a year on your average balance, and EUR 10 plus 0.3% on every outgoing SEPA payment [5][11]. The percentage parts grow with your volume. On EUR 1 million of outgoing SEPA payments a month, the 0.3% element alone comes to EUR 3,000, before the per-payment fee.Narvi prices high-risk and enterprise clients after compliance review [17]. Ask both providers for a quote based on your real monthly volumes and balances, and compare the totals, not the headline fees.
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When to stay

When Genome is the better choice

If you're a lower-risk business, Genome's published tariff is hard to beat on entry cost: EUR 10 a month and EUR 1 per SEPA payment [10][11]. It holds 12 currencies, issues Visa corporate cards in nine of them, sends Swift to 161 countries, connects to UK Faster Payments and CHAPS, and accepts payments through a hosted page and Pay by Bank [8][14][13]. It also serves personal clients in the same app [3]. If your industry is on its permitted list and you don't need Swift for it, Genome is a reasonable fit.
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How to switch

Switching from Genome to Narvi

What to prepare. You'll need your company documents, details of your directors and owners, and a short description of where your money comes from and goes. The full document list is in our help centre.
  1. Book a short call with the onboarding team for a pricing estimate based on your business profile.
  2. Complete the online application, which takes about 10 minutes (step-by-step guide).
  3. Our compliance team reviews your documents and sends a priced offer.
  4. Fund the account: the onboarding fee, three months of monthly fees and a minimum balance of three monthly fees [17].
  5. Run both accounts in parallel. Move one payment flow at a time (customers, PSPs, payroll, suppliers) and send each counterparty your new IBAN and the BIC NARYFIH2.
  6. Close the old account only after the last inbound payment has landed, and move the balance out first: Genome's tariff charges inactivity and administration fees on balances you leave behind [5][10].
Talk to the onboarding team
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FAQ

Frequently asked questions

Genome's permitted-industries list doesn't include crypto, and it prohibits unlicensed crypto and virtual-asset businesses. Whether it accepts a licensed crypto business isn't stated; ask Genome directly.

As of 21 October 2026, Genome lists "Gambling" among the industries not supported for international transfers, so licensed iGaming clients can use SEPA but not Swift.

Genome's published high-risk tariff includes a EUR 500 opening fee, EUR 100 a month, 0.5% a year on your average balance, EUR 10 plus 0.3% per outgoing SEPA payment and a EUR 1,000 warranty reserve.

No. Narvi Payments Oy Ab is an e-money institution authorised by the Finnish Financial Supervisory Authority and passported across the EEA. It holds client funds separately from its own money, as EU e-money rules require.

Yes. Narvi has dedicated account offers for both. Crypto exchanges, payment services and other high-risk businesses go on a custom enterprise plan, priced after compliance review.

Narvi charges a one-time onboarding fee and a monthly fee set by your risk tier, with three months of fees paid up front. Enterprise clients are priced after compliance review. The tiers are on the pricing page.
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Get a dedicated FI IBAN in your company's nameOpen an account or talk to the onboarding team about your industry and payment flows.
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Sources

Sources

Last checked: 21 October 2026. Also compare Narvi with Stable.com, payabl., ConnectPay or IBAN4U, or read our comparison of Wise, Revolut and other alternatives.
  1. Bank of Lithuania, UAB Maneuver LT register entry
  2. Bank of Lithuania, Maneuver LT licence
  3. Genome business account
  4. Genome account limits
  5. Genome high-risk business account pricing
  6. Genome legal regulations: permitted industries
  7. Genome legal regulations: prohibited activities
  8. Genome international transfers availability
  9. Genome bank account
  10. Genome low-risk business account pricing
  11. Genome fee document, 21 September 2026
  12. Genome terms and conditions
  13. Genome API for money transfers
  14. Genome iGaming payments
  15. Genome shared business account
  16. FIN-FSA register of supervised entities
  17. Narvi pricing
  18. Narvi for iGaming
  19. Narvi for Web3 and crypto
  20. Narvi dedicated IBAN
  21. Narvi SEPA Instant
  22. Narvi FAQ
  23. Narvi Banking-as-a-Service
  24. Narvi multi-user access
Swift is a trademark of S.W.I.F.T. SC.
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Narvi Payments Oy Ab is an Authorized Electronic Money Institution (EMI). Narvi’s EMI license is granted by the Finnish Financial Supervisory Authority (FIN FSA) with the registration number 3190214-6. Narvi’s license is passportised to all European Union countries.
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