Capital Union Bank
Capital Union Bank is a Bahamas-based private bank founded in 2013, offering multi-asset trading, wealth management, lending, and digital asset custody to high-net-worth individuals, institutional investors, and financial intermediaries across 10+ countries.
- Company typePrivate
- Founded2013
- HeadquartersNassau, Bahamas
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Capital Union Bank does
Capital Union Bank Ltd. is a Bahamas-incorporated and headquartered private bank founded in 2013, serving sophisticated private and institutional clients across three primary segments: institutional investors (fund managers, pensions, banks, insurances, digital assets firms), financial intermediaries (external asset managers, independent financial advisors), and high-net-worth individuals and family offices. The bank operates as the private banking arm of UCAP Group (Union Capital Group), which has 300 professionals across 11 jurisdictions and controls UCAP Bahamas Ltd, which oversees over $5 billion in assets under management. Capital Union Bank serves approximately 2,000 clients globally.
The bank operates four core product lines on an integrated technology stack: Trading & Execution (24h/5 multi-asset coverage including bonds, equities, OTC derivatives, exotic options, structured products, and digital assets), Wealth Management (custody, multi-currency deposits, portfolio management, investment research, and advisory), Lending Services (credit structuring against securities portfolios, insurance policies, and luxury Bahamas real estate), and Digital Assets (deposit and transacting of digital assets within the same account structure as traditional instruments). The core technology foundation is the Avaloq Core Platform deployed in SaaS model since 2014, achieving 99% straight-through processing rates. Digital asset capabilities are powered by Taurus-PROTECT (institutional custody with full private key sovereignty), Taurus-EXPLORER (connectivity to 15+ blockchain protocols), and Chainalysis KYT and Reactor for compliance. The Avaloq-powered eBanking platform offers 100+ self-service features.
The revenue model is a hybrid of transaction-based fees (trading and execution, lending, digital assets) and recurring wealth management fees (custody, portfolio management, advisory). Distribution is enterprise field sales to sophisticated clients, sourced directly or through a global network of affiliates and business introducers. The bank is regulated by the Central Bank and Securities Commission of The Bahamas, holds a BBB+/BBB+ credit rating from Egan-Jones Ratings Company (reaffirmed November 2024), and operates a Category 1 deposit-taking subsidiary in Abu Dhabi Global Market (ADGM) established in August 2024.
Capital Union Bank firmographics
Firmographics- Name
- Capital Union Bank
- Legal name
- Capital Union Bank Ltd.
- Website
- https://capitalunionbank.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Capital Union Bank is a Bahamas-based private bank founded in 2013, offering multi-asset trading, wealth management, lending, and digital asset custody to high-net-worth individuals, institutional investors, and financial intermediaries across 10+ countries.
- Ownership category
- akta.pro rank
Capital Union Bank industry classification
Industry- Product category
- Private Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Private Banking Lending (Securities-Backed, Real Estate, Structured Credit) (FSABADAE)
- akta.pro secondary industries
- Tokenized Bank Deposit & Commercial Bank Money Issuers (FSADADAB), Agency Equity Execution (Cash Equities) (FSACAFAA)
Keywords
Where Capital Union Bank is headquartered
LocationHeadquarters
- HQ city
- Nassau
- HQ country
- Bahamas
Offices2 records
Markets served
Capital Union Bank business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Trading & Execution: Revenue from trading room services providing 24h/5 days market coverage including high touch and low touch execution for bonds, equities, OTC derivatives, exotic options, structured products and digital assets
- Wealth Management: Comprehensive services including assets custody, deposit accounts in multiple currencies, investment solutions, portfolio management, investment research and advisory. Clients granted privileged access to affiliates network capabilities including corporate services, wealth planning, asset management and life insurance
- Lending Services: Credit structuring solutions enabling customers to leverage or diversify investments using various collateral including securities portfolios, insurance policies, and luxury residential real estate in the Bahamas
- Digital Assets: Trading and custody services for digital assets enabled through Taurus infrastructure and Chainalysis compliance
Go-to-market motion1 record
Distribution channels2 records
Marketing channels3 records
Capital Union Bank product offering
Product offeringCore offering
Capital Union Bank is a privately held Bahamian bank that delivers multi-asset Trading & Execution, Wealth Management advisory, Lending Services, Digital Assets solutions, and an eBanking platform to institutional investors, financial intermediaries, family offices, and high-net-worth individuals. Its offering combines traditional private banking with integrated digital-asset custody and execution within a single regulated relationship.
Product overview
Capital Union Bank operates as an independent financial institution offering a comprehensive suite of wealth management and capital markets services. The bank combines four core product lines: Trading & Execution (multi-asset trading across bonds, equities, OTC derivatives, structured products, and digital assets), Wealth Management (custody, deposits, portfolio management, advisory), Lending Services (credit structuring with securities, insurance, and real estate collateral), and Digital Assets (tokenized asset and blockchain-based solutions). Technology infrastructure is built on Avaloq Core Platform for core banking operations and eBanking delivery, with digital asset capabilities powered by Taurus infrastructure (Taurus-PROTECT, Taurus-EXPLORER, Taurus-NETWORK) and compliance supported by Chainalysis.
Differentiator
Problem solved
Functional benefit
Products and services
- Trading & Execution Multi-asset trading and execution services covering cash equities, fixed income, derivatives, FX, commodities, and structured products, provided to institutional and sophisticated private clients.
- Wealth Management Advisory and discretionary wealth management for family offices, high-net-worth individuals, and institutional clients, including portfolio construction and multi-asset allocation.
- Lending Services Structured lending solutions including credit facilities, margin lending, and bespoke credit structuring for institutional and private banking clients.
- Digital Assets Regulated digital-asset custody, execution, and related services for institutional and sophisticated clients, supported by Taurus infrastructure and Ledger Vault integration.
- eBanking Platform Digital client banking platform providing online access to account information, transactions, and banking services for Capital Union Bank clients.
Quantifiable outcome
- 99% straight-through processing (STP) rates for payments, securities and fund processing
Companies that use Capital Union Bank
Customer profileNamed customers2 records
Segments4 records
Ideal customer profiles3 records
Capital Union Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
Feature8 records
Capital Union Bank partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered minor and core.
- GoQuantminorCUB is a launch partner for GoQuant's GoCredit, a quote-based borrow/lend marketplace for institutional borrowers and lenders in the digital asset space. GoCredit replaces fragmented lending workflows with real-time rate discovery and risk monitoring.
- Integraal for BankingminorIn collaboration with Avaloq, CUB deployed Integraal's MIS Digital Solution providing precise analytical view of financial needs, increased efficiency, and optimized data tracking.
- AvaloqcoreAvaloq Core Platform deployed since 2014 in SaaS model. Partnership enhanced with Avaloq Web Banking (eBanking) solution offering intuitive interface, near real-time portfolio overview, push notifications, and 100+ self-service features. Avaloq Banking Operations provides BPaaS with 99% STP rates.
- TauruscoreStrategic partnership for digital asset custody and blockchain connectivity. CUB integrated Taurus-PROTECT (institutional-grade custody with full control of private keys) and Taurus-EXPLORER (connectivity to 15+ blockchain protocols). The collaboration also enabled participation in Taurus-NETWORK, an interbank digital asset network with 35+ banking institutions across 4 continents.
- ChainalysiscoreCompliance partnership for digital asset services. CUB adopted Chainalysis KYT (continuous real-time transaction monitoring) and Reactor (investigative due diligence tool) to ensure safe and compliant rollout of digital assets solutions including trading and custody.
- INDEX (International Digital Exchange)minorINDEX (co-founded by oil market veteran Baron Lamarre) is in discussions with CUB to join as a banking partner for LITRO, a blockchain-based platform tokenizing crude oil with each token representing 1 litre of verified physical reserves.
Scale indicators5 records
Recent moves7 records
Expansion highlights6 records
Capital Union Bank competitors and assessment
Company assessmentEmerging players
- Misyon Bank: Digital-asset-native private bank and fellow Taurus-NETWORK founding member. Comparable as a regulated bank embedding digital asset custody and trading into a traditional private banking franchise.
- Flowdesk: Digital asset market maker and fellow Taurus-NETWORK founding member. Comparable as a sophisticated digital asset counterparty operating within the same interbank network ecosystem as Capital Union Bank.
Direct peers
- Butterfield Group: Bermuda-headquartered offshore private and commercial bank serving HNW clients with wealth management, custody, and lending. Directly comparable as a small-jurisdiction, regulated private bank pursuing international HNW and institutional flows.
- Arab Bank (Switzerland): Geneva-based private bank that is also a founding participant in Taurus-NETWORK alongside Capital Union Bank. Comparable in HNW/institutional focus, multi-asset trading, and early-mover digital asset infrastructure.
- Deltec Bank and Trust: Bahamas-based private bank offering wealth management, custody, and lending to HNW individuals and family offices. Comparable in jurisdiction, target clientele, and bespoke private banking model.
- EFG International: Swiss-listed private banking group co-founded and led by Capital Union Bank co-founder Lawrence D. Howell. Directly comparable in target client (HNW and institutional), product set (trading, wealth management, custody), and cross-border wealth strategy.
Broad incumbents
- Swissquote Bank: Swiss-listed online bank and Taurus-NETWORK participant with multi-asset trading, custody, and digital asset capabilities. Comparable as an established bank offering integrated traditional and digital asset services to sophisticated clients.
- Lombard Odier: Swiss private bank with global HNW and institutional wealth management, multi-asset trading, and structured credit capabilities. Comparable in bespoke private banking and bespoke financing solutions (e.g., Lombard Odier participated in GoQuant's seed alongside Capital Union Bank-affiliated investors).
- Bordier & Cie: Independent Swiss private bank offering wealth management, multi-asset trading, and custody services to HNW and family office clients globally. Comparable in independent, relationship-driven private banking positioning.
Regional players
- LBB (Lombard Bank & Trust Bahamas): Bahamas-based private bank focused on wealth management, trusts, and corporate services for HNW clients. Comparable in jurisdiction, customer segment, and traditional private banking services.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights6 records
Customer concentration
Capital Union Bank social profiles
Digital presenceCapital Union Bank compliance and trust
Trust signalCompliance1 record
Capital Union Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Capital Union Bank leadership team
Management profileNumber of profiles
Profiles6 records
Capital Union Bank subsidiaries and ownership
Company hierarchySubsidiaries1 record
Capital Union Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Capital Union Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Capital Union Bank
What does Capital Union Bank do?
Capital Union Bank is a privately held Bahamian bank that delivers multi-asset Trading & Execution, Wealth Management advisory, Lending Services, Digital Assets solutions, and an eBanking platform to institutional investors, financial intermediaries, family offices, and high-net-worth individuals. Its offering combines traditional private banking with integrated digital-asset custody and execution within a single regulated relationship.
Is Capital Union Bank a public or private company?
Capital Union Bank is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Capital Union Bank founded?
Capital Union Bank was founded in 2013. It employs 11 to 50 people.
Where is Capital Union Bank based?
Capital Union Bank is headquartered in Nassau, Bahamas.
How does Capital Union Bank make money?
Four revenue lines are on record. Trading & Execution is the primary driver. The others are wealth Management, lending Services and digital Assets.
Who are Capital Union Bank's main competitors?
Emerging players on record are Misyon Bank and Flowdesk. Direct peers are Butterfield Group, Arab Bank (Switzerland), Deltec Bank and Trust and EFG International. Broad incumbents are Swissquote Bank, Lombard Odier and Bordier & Cie. LBB (Lombard Bank & Trust Bahamas) is listed as a regional player.
Does Capital Union Bank have an API?
No public API is recorded for Capital Union Bank.
What industry is Capital Union Bank in?
Capital Union Bank's product category is Private Banking. Its primary akta.pro industry code is FSABADAE, Private Banking Lending (Securities-Backed, Real Estate, Structured Credit), with a secondary code of FSADADAB, Tokenized Bank Deposit & Commercial Bank Money Issuers. Its NAICS code is 52211 and its SIC code is 6022.