Financial institutions and other entities seeking to offer cryptocurrency buy, sell and custody services may resort to building them up from the scratch, or partnering with crypto exchange and custody service providers. There is, however, an alternative, unsuspected approach. Coinffeine has developed a matching protocol and a distributed application with which end users/clients are themselves exchange and custodian. With it, cryptocurrency services can be deployed bearing no financial risk and no custodial responsibility, whilst always staying in full control. Virtually no integration with existing applications is needed and the distributed nature of the solution requires less infrastructure and maintenance, so that time to market, cost of deployment and running costs, are drastically improved. On top of this architecture we plan on developing solutions for cryptocurrency OTC orders, tokenized securities secondary markets, marketplace for NFTs, and more.