Currency.com

What Currency.com does

Currency.com is a Gibraltar-headquartered digital finance provider founded in 2018 that operates a multi-asset cryptocurrency trading and payments platform serving individual consumers and SMEs across 100+ countries, with a US headquarters in Jersey City (Currency Com US LLC, NMLS 2073665, FinCEN MSB 31000313641429). The platform offers spot trading across 213 crypto assets, direct fiat on-ramps in EUR, USD, and GBP, a USDC-collateralized Visa Platinum spend card accepted at 150+ million merchants, and a dedicated business account product featuring OTC trading, multi-user role-based controls, IBAN-based multi-currency support, and FX optimization.

The underlying technology stack emphasizes security architecture — AES/RSA encryption, multi-signature wallets, SSL/TLS, two-factor authentication (SMS, authenticator apps, biometrics), third-party KYC with liveness verification, and real-time transaction monitoring — alongside payment integrations with Apple Pay, Google Pay, and OpenPayd for access to 30+ currencies. Revenue is generated entirely on a transactional basis: a flat 1% fee on exchange buy/sell orders (charged in the account's base currency), a 1% card processing fee plus up to 1% FX and cross-border fees, asset-specific crypto withdrawal fees, and tiered fiat withdrawal fees ranging from $1–$5 domestic to 0.1% on SWIFT transfers.

The go-to-market combines self-serve product-led growth (web and iOS/Android apps) with field-based enterprise push in the US following the February 2026 appointment of Alexander Kravets as US CEO. The company is privately held, raised $8M from VP Capital in January 2019 as its only disclosed external funding, and is pursuing full US regulatory coverage (32 Money Transmitter Licenses achieved as of October 2025, with stated intent to reach all 50 states), positioning compliance itself as a primary competitive moat and a barrier to entry for new entrants.

Name

Currency.com

Legal name

Currency Com US LLC

Website

https://currency.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

101–250 employees

Short description

Currency.com is a Gibraltar-based digital finance platform offering crypto trading across 213 assets, fiat on-ramps, USDC-collateralized Visa cards, and multi-currency business accounts to consumers and SMEs in 100+ countries, with US operations built around full 50-state Money Transmitter licensing.

Ownership category

akta.pro rank

Product category

Cryptocurrency Exchange and Digital Payments

NAICS

Securities and Commodity Exchanges (523210)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

On/Off-Ramp Providers (Fiat↔Crypto) & Cash-In/Cash-Out Networks (FSADAIAE)

akta.pro secondary industries

Crypto Card Issuing & Card Programs (Debit/Credit/Prepaid) (FSADAIAC), Crypto Borrowing & Margin Credit Facilities (FSADAFAC)

Keywords

• Cryptocurrency exchange
• Digital asset trading
• Fiat on-ramp
• Crypto debit card
• Business crypto account

Headquarters

HQ city

Gibraltar

HQ country

Gibraltar

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Exchange Transaction Fees: 1% transaction fee in the account's currency, applicable in USD or EUR, charged on each exchange transaction.
2. Crypto Card Fees: 1% processing fee on card transactions, plus up to 1% foreign exchange fee for non-USD transactions and up to 1% cross border fee for international transactions.
3. Crypto Withdrawal/Transfer Fees: Fees for withdrawing crypto assets: BTC (0.0002 BTC), ETH (0.008 ETH), USDT/USDC (20 USDT/USDC), SOL (0.1 SOL), TRX (50 TRX).
4. Fiat Withdrawal Fees: Domestic withdrawals (ACH/wire/SEPA/GBP): $1–$5 or €1–£1. International SWIFT: 0.1% with min €/$50–$250 and min €/$100–$250 deposit requirement.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Currency.com is a regulated digital finance platform that lets users buy, sell, and manage 213+ cryptocurrencies using fiat currencies (EUR, USD, GBP) via web and mobile apps. It also provides a corporate Business Account with OTC trading, IBAN multi-currency support, and team controls, plus a USDC-collateralized Visa Platinum card accepted at 150+ million merchants. The platform is licensed in all 50 US states and operates in 100+ countries.

Product overview

Currency.com is a financial technology company offering a unified digital finance platform comprising three core products: a Personal Trading Platform for individual customers to buy, sell, and manage 213+ cryptocurrencies; a Business Account providing corporate controls, OTC trading, IBAN multi-currency support, and DeFi access; and the Currency.com Spend Card, a Visa Platinum card enabling USDC spending anywhere Visa is accepted. The platform supports fiat-to-crypto purchases via credit/debit cards and bank transfers, operates across 100+ countries with regulatory approvals, and serves both retail and institutional clients through a single integrated ecosystem.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Trading Platform Individual customer platform enabling users to buy, sell, and manage cryptocurrencies including Bitcoin, Ethereum, Solana, TRON, and 213+ digital assets. Supports direct fiat deposits, credit/debit card purchases, and bank transfers with KYC verification for retail users globally.
• Business Account Corporate account solution offering multi-user controls with roles and limits, global crypto and fiat transfers, deep liquidity for high-volume fills, OTC trading with custom pricing, IBAN-based multi-currency support, FX conversion, and DeFi protocol access for SMEs and growing companies.
• Currency.com Spend Card (Visa Platinum) A virtual and physical Visa Platinum card that enables users to spend their USDC balance anywhere Visa is accepted worldwide, including online, in-app, and at ATMs. The card supports Apple Pay and Google Pay integration, requires no credit history or bank account, and has no monthly, activation, or issuance fees.
• Over-the-Counter (OTC) Trading Institutional-grade large trade execution with custom pricing and dedicated expert support for business account holders requiring substantial crypto transactions.
• Crypto Loans Instant liquidity service allowing users to use their cryptocurrency as collateral with full flexibility and control. Currently listed as 'coming soon' on the Currency.com website.

Quantifiable outcome

• Available in 100+ to 120+ countries worldwide with full regulatory compliance
• +3 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature6 records

Partnerships

One partnership is on record.

• OpenPaydcoreTechnology or Integration · 3 November 2025Currency.com partnered with OpenPayd to enhance foreign exchange and multi-currency payment services across Europe and internationally. The collaboration provides access to over 30 currencies and payment networks, aiming to improve transaction speed, liquidity management, and operational efficiency for Currency.com users.

Scale indicators9 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• eToro: eToro is a multi-asset platform offering crypto alongside stocks and ETFs under a regulated brokerage wrapper. Currency.com's SME and multi-currency feature set overlaps with eToro's broader retail-investor proposition.
• Kraken: Kraken is a long-standing centralized exchange with deep liquidity, fiat on-ramps, and US regulatory compliance. Currency.com competes for the same retail and institutional trader base, with Kraken's lower fee schedule putting pricing pressure on Currency.com's 1% model.
• Bitstamp: Bitstamp is a Europe-headquartered regulated exchange with US MSB registration and a long institutional track record. It is a close comparable to Currency.com on the regulated European exchange axis and on SME/institutional positioning.
• Bitfinex: Bitfinex is a veteran exchange serving advanced retail and professional traders with deep liquidity and OTC desk services. Currency.com's OTC and business account offering is a comparable institutional-adjacent product.
• Bybit: Bybit is a global crypto exchange with broad altcoin coverage and a crypto-linked card. Currency.com's 213-asset spot catalog competes with Bybit's retail offering in similar geographies.
• Crypto.com: Crypto.com operates a global exchange plus the Crypto.com Visa Card accepted at tens of millions of merchants. Currency.com mirrors this exchange-plus-card model with similar fiat on-ramps, multi-asset support, and US licensing ambition, making Crypto.com its closest named competitor.
• OKX: OKX is a global exchange offering spot, derivatives, and a crypto-linked card with broad asset coverage. Currency.com's exchange-plus-card stack competes directly for the same multi-asset retail audience.

Broad incumbents

• Coinbase: Coinbase is the largest US-domiciled retail crypto exchange and a publicly listed incumbent. Currency.com's pursuit of all-50-state MTLs and US CEO placement position it as a direct regulated competitor to Coinbase's consumer and SME offerings.
• Binance: Binance is the world's largest crypto exchange by volume with broad asset coverage and a Binance Visa Card. Currency.com's 213-asset catalog and Visa card program overlap with Binance's consumer offering, though Binance operates with a different regulatory posture.

Emerging players

• Wirex: Wirex is a crypto payments specialist known for its multi-currency Visa debit card accepted at millions of merchants. Currency.com's USDC-collateralized Visa card competes most directly with Wirex's card-led positioning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/CurrencyCom

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Currency.com