⚡Protection against state control and access

Open a decentralized account outside the US / EU:

Protection against blocking, access and inflation

Inflation, account freezes, capital controls: risks are increasing. Protect your assets from inflation, controls, and banking crises.

staatenlos.ch konto
file.svg
Decentral bankaccount logo (1) (1) (1).png

This website is for informational purposes only. We do not offer individual financial advice. Decisions to open an account or purchase a Ledger should be made after your own due diligence and, if necessary, advice from an independent financial professional. This website contains affiliate links. When you purchase through these links, we may receive affiliate compensation at no additional cost to you.

Your money is at risk: Open a decentralized account now

Tax offices and authorities are gaining increasing access to our account information: Accounts can be blocked with just one click (suspicion is enough)

What to do if the bank account has been blocked?
  • Due to suspicious activity reports or government orders
    In Germany, banks can freeze your account based on suspicious activity reports or government orders.
  • All EU foreign accounts are known to the tax authorities.
    Since July 31, 2025, movements on EU foreign accounts have been visible to the German tax authorities.
  • Concealing foreign accounts
    Concealing foreign accounts can quickly lead to criminal consequences (tax evasion).
  • Cash withdrawals are becoming increasingly restricted.
    What's already a reality in Spain could quickly become a reality in Germany, too. You'll then only be allowed to withdraw a certain amount, otherwise you risk being prosecuted. Germany already has a limit of €10,000 for cash withdrawals. In Spain, cash withdrawals exceeding €3,000 per month can result in draconian fines of up to €150,000.

*Applicable EU directives: FATCA (2014), CRS (since 2017), DAC Directives (since 2011), DAC6 (since 2020), DAC7 (since 2023), DAC8 & CARF (from 2026), AML5 & AML6 (EU Anti-Money Laundering Directives), PSD2 & Payment Services Regulation: Banks and payment service providers are required to share data in a standardized manner, bank reporting requirements in Germany, OECD initiatives

Decentralized accounts are independent of banks and states

The path to a truly decentralized bank account – secure & independent
  • Protected from Inflation and Expropriation – your wealth remains independent of government access.
  • Maximum Privacy – minimal data traces, full sovereignty over your finances.
  • Full Control – no bank and no authority has access to your account.
  • Borderless Availability – usable worldwide without reliance on banks.
  • Instant Transactions – send and receive money anytime, without delays.
  • Protection from Account Freezes – no restrictions by government or bank decisions.
  • Flexible Asset Storage – hold value in crypto, stablecoins, or digital assets.
  • Transparent Technology – secure and verifiable processes through blockchain.
  • Low Costs – save on high bank fees and hidden charges.

Our expertise and partnerships give you the opportunity to protect, grow, and invest your wealth globally. Whether you're looking for the straightforward account management and diverse currency options of a bank account or are interested in tax-free brokerage and unlimited access to global markets, you've come to the right place.

Take Back Control:
Why a Decentralized Account Is the Future of Money

Have You Ever Thought About How Much Control You Really Have Over Your Bank Account?

For most people, a bank account feels safe and reliable. You deposit your money, check your balance online, and assume everything is under your control. But the truth is very different. Your account is not really yours. At any time, your funds can be frozen by a bank, restricted by regulations, or seized by authorities.

This is not a theory. Across the world, millions of people have experienced blocked accounts, frozen transactions, or sudden restrictions. Sometimes it happens because of bureaucratic mistakes, sometimes due to political measures, and sometimes because of shifting regulations you never agreed to.

The Hidden Vulnerability of Traditional Bank Accounts

When you rely on a traditional bank, you give them control over your most valuable resource: your money. Here are just a few ways this control plays out in real life:

  • Account freezes without warning – Banks can freeze your balance if they suspect unusual activity, even if it is a mistake. You might discover it only when your card is declined.

  • Dependence on business hours – Need urgent access to funds at night or during a holiday? Banks decide when you can transact.

  • Government orders and regulations – In times of crisis, accounts can be blocked by government orders, sanctions, or new financial regulations.

  • High fees and hidden charges – Every transfer, withdrawal, or conversion often comes with costs you cannot control.

  • Surveillance and data sharing – Your financial behavior is tracked, monitored, and shared with authorities or even third parties under compliance rules.

Your so-called personal account is not really personal. It is rented access under conditions you do not control.

The Rise of Decentralized Accounts

Now imagine a financial system where you truly hold the keys. Where access to your funds cannot be revoked, where no third party has the power to block your money, and where global access is as simple as opening your phone or laptop.

This is the promise of a decentralized account. Instead of depending on banks and intermediaries, decentralized accounts rely on blockchain technology. Your funds are secured by cryptographic keys that only you control.

Why a Decentralized Account Changes Everything

Let’s look at the core benefits of a decentralized account compared to traditional banking.

Full Control – No More Frozen Accounts

In a decentralized system, you are the only one with access. No bank manager, no government agency, no hidden algorithm can lock you out. As long as you hold your keys, you hold your money.

Borderless Access – Anytime, Anywhere

Traveling abroad? Moving to another country? With a decentralized account, your funds are always accessible. There are no geographic restrictions, no opening hours, no waiting periods.

Financial Privacy

Traditional banks are obligated to report, share, and store every detail of your transactions. A decentralized account operates differently. You decide how much information is visible and to whom.

Protection Against Inflation

Holding money in a bank account often means watching it lose value due to inflation. Decentralized accounts can store assets beyond fiat money, such as stablecoins, cryptocurrencies, or tokenized commodities like gold.

No Middlemen, No Unnecessary Fees

Every time you transfer money via banks, you pay the system. With decentralized accounts, you reduce reliance on expensive intermediaries. Transactions become faster and cheaper.

Real-World Examples: When Bank Accounts Fail

  • Protests and sanctions: In various countries, governments have frozen accounts of individuals who supported political movements, cutting them off from their own money overnight.

  • Business restrictions: Small business owners often face blocked accounts due to “suspicious activity” alerts, even though they are conducting normal operations.

  • Cross-border payments: Freelancers, digital nomads, and international businesses often wait days and pay high fees for international transfers. A decentralized account solves this instantly.

These are not rare exceptions. They are signals that the centralized banking model is fragile.

How Does a Decentralized Account Work?

At the heart of a decentralized account is the blockchain. Instead of depending on a single bank server, your funds are secured in a distributed network. You access them through private keys stored in a hardware wallet or decentralized app.

  • Your keys, your money – Private keys function like digital ownership. Lose them, and you lose access. Keep them safe, and no one can take your funds.

  • Smart contracts – Decentralized accounts can interact with automated agreements that execute transfers, loans, or investments without a middleman.

  • Multi-asset support – Instead of being limited to one currency, you can hold Bitcoin, Ethereum, stablecoins, and even tokenized stocks or real estate in one place.

Overcoming Common Myths

Some people hesitate because decentralized finance feels unfamiliar. Let’s clear up the myths:

  • It is too technical – Modern wallets are designed to be user-friendly. If you can use online banking, you can use a decentralized account.

  • It is not safe – In reality, hardware wallets and blockchain encryption provide stronger protection than bank passwords. The only risk is losing your keys – but with proper storage, that risk is manageable.

  • It is only for crypto speculators – Not true. A decentralized account is about ownership and freedom, not speculation. You can store stablecoins that hold their value, just like digital dollars or euros.

Who Benefits Most From a Decentralized Account?

  • Digital nomads and remote workers – Access money worldwide without borders.

  • Entrepreneurs and small businesses – Avoid unnecessary freezes and restrictions.

  • Families protecting wealth – Hedge against inflation and political instability.

  • Privacy-conscious individuals – Keep your financial footprint private.

  • Investors – Diversify holdings beyond traditional banks.

Practical Steps to Open a Decentralized Account

  1. Choose a hardware wallet – Popular options include Ledger Nano X or Ledger Nano S Plus.

  2. Set up your wallet – Follow the setup guide, write down your recovery phrase, and keep it offline.

  3. Fund your account – Transfer cryptocurrencies or stablecoins into your wallet.

  4. Learn the basics – Understand how to send, receive, and secure transactions.

  5. Expand your use – Explore decentralized apps, staking, and other opportunities once you are comfortable.

The Emotional Side of Financial Freedom

Imagine the feeling of knowing that no one can touch your money. No account freezes. No hidden fees. No bureaucracy. Whether it is midnight in Tokyo or sunrise in Berlin, you have instant access to your funds. This is more than finance. It is peace of mind. It is independence. It is freedom in a world where financial systems often restrict rather than empower.

The Future Is Decentralized

Traditional banks will not disappear overnight. But the momentum is shifting. More people every year are choosing decentralized alternatives because they provide real ownership and real freedom. As governments push for more financial surveillance and as inflation eats away at savings, the demand for decentralized accounts will only grow.

 

Final Thoughts: Take Back What Is Yours

Your money should belong to you – not to banks, not to governments, not to middlemen. With a decentralized account, you finally hold the key. You decide when, where, and how you use your wealth.

No one can lock you out. No one can block your future.

Ready to Take the First Step? 

Do not wait until your bank account gets restricted or inflation erodes your savings. Get your decentralized account today and experience the freedom of true financial control.

Decentralized Account – a Secure Alternative to Traditional Bank Accounts

Account Freezes Are Real

In many Countries and across the EU, banks can freeze your account if authorities order it or if suspicion arises. Often this happens without any warning. The result: You lose access to your money overnight. With a decentralized account this cannot happen. Only you control your private keys – no one else has access to your funds.

Secure Full Control Now

Inflation – The Silent Wealth Destroyer

Even if your account is never frozen, inflation eats away at your purchasing power every year. Official numbers may look harmless, but in daily life you notice how food, energy, and services become more expensive. With a decentralized account you can safely store value in cryptocurrencies or tokenized assets – outside the traditional banking system.

Protect Your Wealth from Inflation

Increasing Transparency Obligations in the EU

Banks share your data. With stricter EU regulations, control over your finances is growing. Every transaction can be documented, monitored, and reported. A decentralized account means more privacy, more freedom, and less dependence. You decide what happens with your money – not the bank.

Take Back Your Financial Freedom

Frequently asked questions about decentralized bank accounts:

  • Ein dezentrales Bankkonto eröffnen können Sie ganz einfach 
     
  • Yes, a decentralized account is legal. However, you must still comply with all tax obligations and properly document transactions.
  •  
    You have full control over your assets, no arbitrary account lockouts, worldwide access, and can secure your keys offline with a hardware wallet like the Ledger Nano X.
  • No, since there is no central authority, a decentralized account cannot simply be frozen. However, you must still comply with applicable laws and tax obligations.
  • You can set up a decentralized account through a self-custody wallet such as Safe Wallet or Trust Wallet. The process takes only a few minutes and requires the secure storage of the seed phrase.
  • A seed phrase is a string of words that provides access to your decentralized account. This must be stored offline and securely, as a loss usually means the loss of all assets.
  • A bank account is managed by a bank, which can lock it or restrict access. A decentralized account gives you sole control over the private keys and your funds.
  •  
    A hardware wallet like the Ledger Nano X stores your private keys offline, protecting you from hackers and malware.
     
  • The main disadvantage is that if you lose the seed phrase or private keys, you'll no longer be able to access them. Security is entirely your responsibility.
  • Yes, taxable transactions such as cryptocurrency profits or sales must be reported and taxed.
  • Self-custody wallet means that only you own and manage the private keys. No third party can control your assets.
  • CRS is an international standard under which financial institutions report account data such as balances and income to tax authorities.
  • DAC8 is an EU directive that will require crypto asset data to be reported to tax authorities starting in 2026. For decentralized accounts, this only applies if you use regulated service providers.
  • Yes, you can use a decentralized account worldwide as long as you have internet access.
     
  • Security depends on the storage of private keys. With a hardware wallet and secure backup methods, it's very secure.

  • Most decentralized accounts support many cryptocurrencies such as Bitcoin, Ethereum, stablecoins, and numerous tokens.

  •  
    A Smart Account is an advanced form of a decentralized account with additional features such as multisig, transaction limits, and recovery options.
  • 19. What happens to my decentralized account in the event of my death?

  • Without sharing the seed phrase or private keys, heirs cannot access the assets. Plan a secure estate plan.

  • Legal reporting requirements for financial and crypto assets are increasing. Those who set up a decentralized account now will secure more control and privacy before further restrictions take effect.

  • A decentralized account is a digital wallet where you retain control over your private keys. It is not managed by a bank or central authority and is often referred to as a self-custodial wallet or non-custodial wallet.

  • Transactions run via smart contracts on the blockchain. They are executed directly by participants and stored permanently. There is no central control authority.
  • Advantages include full control over your own funds, no risk of account blocking by banks, worldwide availability, transparent processes, and the ability to securely store cryptocurrencies or digital assets.
  • The primary responsibility lies with the user. If the private key is lost, the funds are irretrievably lost. Attacks on insecure smart contracts can also pose a risk.
  • Technically, the blockchain is very difficult to manipulate. The greatest danger arises from human error, such as the loss of access data. Secure wallets can significantly reduce this risk.
  •  
    A wallet is the software or hardware that manages access. The decentralized bank account is the actual balance on the blockchain, which is controlled by the wallet.
  •  
    Instead of opening a bank account, the user sets up a wallet. Private keys are generated there that secure access to the funds. You can easily open a decentralized bank account here.
  • Well-known blockchains such as Ethereum, Binance Smart Chain, and Solana enable the operation of decentralized accounts and applications.
  • Smart contracts automatically manage transactions and functions. They replace the bank as the controlling authority and ensure security and transparency.
  • Payments are made when the user authorizes a transaction with their wallet. Merchants that accept cryptocurrencies can receive them directly. With our model, you simply withdraw money from any ATM without paying a commission.
  • You provide the sender with your wallet address. As soon as the transfer is made, the amount is directly recorded on the blockchain.
  • Yes, if stores or online retailers accept cryptocurrencies. Special cards also allow you to use funds in euros or dollars.
  • To do this, you use crypto exchanges. You transfer euros or dollars to the exchange, buy cryptocurrencies, and send them to your own wallet address.
  •  
    Fees depend on the blockchain. They can be higher on Ethereum, while other networks offer very low fees.
Decentral bankaccount logo

Disclaimer:
Not financial, tax, or legal advice. Content is for informational purposes only. Check local laws and tax obligations.