The fintech layer for
sovereign migration.
ImmiCrypt is the compliance and settlement rail between regulated digital assets — crypto, stablecoins, and the sovereign digital currencies now being piloted by central banks — and the citizenship, residency, and PR programs built to receive capital. On‑ramp, off‑ramp, escrow, and everything a government needs to accept it, in one auditable pipe — built for the individuals, family offices, and Citizenship & Residency Investment Units who move first.
Sovereign risk is becoming a portfolio decision. So is sovereignty itself.
Every central bank on earth is deciding what its money looks like next. Every family office is deciding how much of its balance sheet sits in one jurisdiction. Every citizenship‑by‑investment program still runs on bank wires and notarized statements. ImmiCrypt is the layer that lets digital‑native capital move directly into a second passport, a residency permit, or a PR grant — verified, escrowed, converted, and settled, with a record built for the regulator on both ends.
Two curves are crossing at the same time. On one side, 134 countries and currency unions — representing 98% of world GDP — are now researching, piloting, or launching a central bank digital currency, up from just 35 in 2020. The UAE's Digital Dirham completed its first live blockchain settlement in November 2025 and is now legal tender under UAE law, on track for a full rollout by late 2026. India's e‑rupee pilot has crossed six million users across seventeen banks and moved into welfare disbursement and cross‑border trials with Singapore and the UAE. The digital euro is targeting a 2027 pilot and a possible 2029 issuance. This is no longer a research paper — it's plumbing being laid, corridor by corridor.
On the other side, a third of family offices now hold cryptocurrency directly — up from roughly a quarter two years ago — and nearly three in four have either invested or are actively evaluating it, according to BNY Mellon's 2025 survey of ultra‑high‑net‑worth families. Bitcoin and Ether remain the dominant entry points; typical allocations sit near 2% of portfolio and are treated as a deliberate, growing position rather than a curiosity.
Neither side has built the pipe that connects them to investment migration. Citizenship‑ and residency‑by‑investment remains a roughly $50 billion‑a‑year global industry — split between citizenship programs and golden‑visa residencies — and it still runs almost entirely on notarized bank letters and SWIFT wires. A handful of programs have started accepting crypto informally, through licensed agents who quietly convert it to fiat before a government ever sees it. Nobody has built the rail that does it properly, end to end, with the compliance paperwork a Citizenship or Residency Investment Unit actually needs. That's the gap ImmiCrypt exists to close.
Why now
Who we serve
What changes
Sources
- Atlantic Council, CBDC Tracker
- Central Bank of the UAE, Digital Dirham
- Reserve Bank of India, e‑rupee pilot data (Mar 2025)
- European Central Bank, digital euro progress
- BNY Mellon, 2025 Investment Insights for Single Family Offices
- Industry estimates, State of CBI/RBI market reports, 2025
Crypto already buys a passport. It's just not built properly yet.
A small set of citizenship‑ and residency‑by‑investment programs already touch digital assets today — almost always through a licensed agent who converts crypto to fiat before it reaches a government account. Only one program takes it natively. This is the landscape ImmiCrypt is built to formalize.
The pattern: almost every program that touches crypto today routes around the problem — an agent quietly converts Bitcoin to fiat, then wires it in like any other applicant. There's no standardized compliance trail, no purpose‑built custody, and no government‑side settlement record built for a digital‑asset‑funded application. 2025 alone saw several long‑standing CBI routes closed, restructured, or tightened — a reminder that this is a fast‑moving landscape advisers and applicants need to track continuously, not just at intake. ImmiCrypt is building the rail that turns "routes around it" into "built for it," and the ongoing advisory that keeps a strategy current as programs change.
Five layers, one rail.
The investment‑migration industry has advisory, compliance, custody, and government relationships — all built for fiat. We're building the same stack for capital that starts and, increasingly, stays digital.
Sovereign risk diversification
Portfolio‑style advisory for HNI/UHNI individuals and family offices: which second citizenship, residency, or PR — and in what order — actually reduces single‑jurisdiction currency, tax, and custody risk, priced and payable in the assets clients already hold.
The investment‑migration map moves fast — 2025 alone saw long‑standing routes tightened, restructured, or closed, and new programs proposed across the Caribbean, Pacific, and Africa. A one‑time recommendation goes stale; this is built as a standing relationship, not a single transaction.
- Jurisdiction scoring against visa‑free access, tax treatment, and reporting regime (CRS/FATCA)
- Multi‑generational and family‑inclusion scenario modeling
- Continuous monitoring as programs tighten, close, or launch
- Sequencing across 2nd/3rd citizenship, residency & PR as one portfolio
Proof‑of‑funds & KYC/AML infrastructure
Source‑of‑funds attestation, sanctions and PEP screening, and Travel Rule‑compliant identity verification for digital‑asset‑funded applications — the documentation layer CIUs actually require, generated automatically instead of assembled by hand.
Since FATF extended Recommendation 16 to virtual assets in 2019, over fifty jurisdictions — including the EU under its Transfer of Funds Regulation, the UK, Singapore, and the US — now require originator and beneficiary data on transfers above threshold. A bank letter was never designed to prove where three years of on‑chain gains came from; this is.
- FATF Travel Rule‑aligned originator/beneficiary data capture
- Sanctions & PEP screening against global watchlists
- On‑chain source‑of‑funds narrative & transaction history reconstruction
- CIU‑ready packaging, formatted per program requirements
Digital‑asset escrow for the application lifecycle
Regulated, insured custody holding an applicant's crypto, stablecoins, or CBDC balance in segregated escrow from intake through approval — releasing against program milestones instead of a single irreversible transfer.
The custody model is designed with reference to the Basel Committee's prudential standard for banks' cryptoasset exposures, so the framework can eventually plug into regulated banking partners rather than sit permanently outside it.
- Segregated, multi‑signature custody — never commingled with operating funds
- Insurance‑backed, with Basel‑referenced prudential treatment
- Milestone‑gated release: intake → due diligence → approval → grant
- Real‑time attestation available to both applicant and CIU
On/off‑ramp for CBI & RBI programs
Compliant conversion of BTC, ETH, major stablecoins, or a pilot CBDC balance into the exact currency and instrument a national development fund, government bond, or real‑estate program requires — with full audit trail for both sides.
Every program wants something different — a non‑refundable donation, a government bond subscription, a real‑estate escrow, a development‑fund contribution. The rail routes to the specific instrument each program needs, with ISO 20022‑compatible messaging so it speaks the same language as the correspondent banks already in the loop.
- Multi‑asset conversion — BTC, ETH, major stablecoins, pilot CBDCs
- Program‑specific routing: donation, bond, fund, or escrow
- ISO 20022‑compatible settlement messaging
- Dual‑sided audit trail — on‑chain and bank‑side
First‑mover rail for sovereign digital currency
Working directly with Citizenship & Residency Investment Units and central banks piloting a CBDC — e₹, the Digital Dirham, the digital euro, and what follows — to make sovereign digital currency a recognized settlement instrument for investment migration, not just retail payments.
Central banks are already building the cross‑border rail we'd plug into: the UAE's Digital Dirham runs on mBridge, the multi‑CBDC platform it shares with China, Hong Kong, and Thailand, and the RBI has an active digital‑assets pact with Singapore plus discussions underway with the UAE. Two of ImmiCrypt's home markets are already talking to each other about this. The plan is to be currency‑agnostic and plug into whichever corridor goes live first, not to build a parallel one.
- Engagement model for CIUs piloting digital settlement
- Currency‑agnostic — e₹, Digital Dirham, digital euro & beyond
- Cross‑border corridor design (mBridge‑aware architecture)
- Reference implementations, not exclusive claims — this is thesis‑stage
How the rail works.
One pipeline, run the same way whether the applicant is a single investor, a family office structuring for four heirs, or a government fund taking digital assets for the first time.
Verify
Identity and liveness checks, sanctions and PEP screening, and a source‑of‑funds narrative reconstructed from the applicant's on‑chain history — plus Travel Rule‑compliant originator data capture above the $1,000 / €1,000 threshold. Nothing moves until asset origin is cleared.
Escrow
Cleared assets move into segregated, multi‑signature custody, insured and structured with reference to the Basel Committee's cryptoasset prudential standard — auditable at any point, and released only against agreed program milestones, never as one irreversible transfer.
Convert
A compliant on/off‑ramp converts the escrowed balance — BTC, ETH, major stablecoins, or a pilot CBDC — into the exact currency and instrument the receiving program requires, with ISO 20022‑compatible messaging so it settles cleanly through correspondent banking.
Settle
Funds land with the government fund, developer, or bond issuer; citizenship, residency, or PR is granted. Both sides receive a timestamped settlement record — on‑chain and bank‑side — built for the applicant's records and the regulator's audit alike.
The rail doesn't exist yet. That's the opportunity.
Six numbers, six sources — the shape of a market forming on both sides of a gap nobody has filled yet.
Questions worth asking before you request access.
We'd rather you know exactly what stage we're at than oversell it.
No. ImmiCrypt is pre‑seed and pre‑launch. We're not currently a bank, money services business, virtual asset service provider, or immigration law firm, and nothing on this site is a live financial or immigration service. We're building toward the licenses and registrations this rail will require in each jurisdiction we operate in before handling client funds.
Not yet. Requesting access joins a waitlist and registers your interest — it creates no service relationship, no fee, and no guarantee of onboarding. See our Terms & Disclaimer for the full picture, and consult a licensed immigration attorney for any decision you're making today.
Most programs that touch crypto today do it through a licensed agent who converts Bitcoin to fiat quietly, then wires it in like any other application — see our Landscape section for specifics. There's no standardized compliance trail, no purpose‑built custody, and no settlement record designed for a digital‑asset‑funded application. ImmiCrypt is building that trail, custody, and record as the product itself, not as a workaround.
We're building currency‑agnostic, watching the UAE's Digital Dirham and India's e₹ closely as the two most advanced pilots in our home markets, alongside the digital euro and whatever else central banks make available for cross‑border settlement. The goal is to plug into corridors central banks are already building — like mBridge — not to build a parallel one.
ImmiCrypt Advisory Private Limited is headquartered in Kolkata, India, with a global headquarters function in Dubai, UAE — two markets already in direct dialogue on digital assets (the RBI has an active pact with Singapore and discussions underway with the UAE). We're starting where that corridor is already forming, then expanding as more CBDC pilots and crypto‑friendly CBI/RBI programs mature.
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Request access.
ImmiCrypt is pre‑launch. We're building the rail alongside a small group of family offices, sovereign individuals, advisers, and government CIUs before opening more broadly. Tell us where you fit and we'll follow up directly.