CoinZoom
CoinZoom is a US-registered cryptocurrency exchange and integrated fintech platform combining crypto trading, a Visa crypto debit card, fee-free P2P transfers, and a tokenized rewards program, serving retail consumers and SMBs across 169 countries.
- Company typePrivate
- Founded2018
- HeadquartersSalt Lake City, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What CoinZoom does
CoinZoom is a US-registered cryptocurrency exchange and integrated fintech platform founded in 2018 and headquartered in Salt Lake City, Utah, operating across 169 countries with a staff of 11–50 employees. The platform combines spot crypto trading (Simple Mode for beginners and Pro Mode for experts on the Advanced Web Trader with 100+ technical indicators), a Visa-branded global crypto debit card accepted at 130 million merchants and 1 million+ ATMs in 158 card-issuance countries, fee-free peer-to-peer USD and crypto transfers via ZoomMe, a tiered rewards membership called CoinZoom Prime (Silver through Black at 10K–300K ZOOM tokens), retail cash-loading via CoinZoom Cash at over 12,000 US retail locations, an OTC desk for institutional clients, a B2B Commerce and Payments-as-a-Service engine, and the ZOOM ERC20 utility token (600M max supply) traded exclusively on the CoinZoom exchange. The technology stack runs on AWS microservices deployed on Kubernetes with Amazon Aurora, Cloudflare CDN/WAF/DDoS protection, Fireblocks wallet architecture, and integrations with Chainalysis, Elliptic, Onfido, Sardine, and SumSub for compliance and KYC/AML.
CoinZoom earns revenue primarily through transaction-based fees across four streams: crypto exchange trading commissions (with up to 50% discounts for ZOOM holders), Visa debit card interchange, retail cash-loading fees (5% flat vs. up to 25% at Bitcoin ATMs), and emerging B2B managed services for white-label crypto infrastructure, payroll, and fintech integrations. The pricing model is horizontally segmented across retail personas (Remittance Users, Card Reward Users, Savvy Crypto Traders, and Expert Crypto Whales with balances greater than $100,000), with a tiered incentive structure requiring ZOOM token accumulation for premium rewards and limits. The go-to-market is predominantly product-led growth via self-serve web and mobile (iOS/Android) registration, supplemented by B2B enterprise sales through API integrations and an event-driven layer (Utah Jazz sports sponsorship as Official Cryptocurrency Platform and NFT Marketplace since March 2022). Regulatory positioning is a core asset: CoinZoom holds FinCEN MSB registration, US money transmitter licenses in all 50 states, a European VASP license (June 2025), an Australian Digital Currency Exchange license with AUSTRAC, a Bermuda Monetary Authority cryptocurrency trading license, and SOC 2 Type II certification renewed annually by Johanson Group LLC.
In February 2026, the Washington State Department of Financial Institutions issued a consent order requiring CoinZoom to surrender its Washington money transmitter license and pay a $150,000 civil fine, representing a notable defensive regulatory event. Growth metrics through early 2026 remain strong: 73% increase in KYC-verified customers in 2025, 4x year-over-year debit card revenue growth, 100% deposit growth within four months, 188% growth in transactions per card user, 165% growth in average spend per card, 218% increase in CoinZoom Cash deposit users in Q1 2026, and a 3x increase in referral-driven acquisition. Co-founders Todd Crosland (CEO) and Benjamin Crosland (Director of Business Development) lead the company alongside CTO Paxton Powers, Chief Software Architect James Olsen, and CMO Fiona Naughton.
CoinZoom firmographics
Firmographics- Name
- CoinZoom
- Legal name
- CoinZoom, Inc.
- Website
- https://coinzoom.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- CoinZoom is a US-registered cryptocurrency exchange and integrated fintech platform combining crypto trading, a Visa crypto debit card, fee-free P2P transfers, and a tokenized rewards program, serving retail consumers and SMBs across 169 countries.
- Ownership category
- akta.pro rank
CoinZoom industry classification
Industry- Product category
- Cryptocurrency Exchange
- NAICS
- Credit Card Issuing (52221), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Securities and Commodity Exchanges (52321)
- SIC
- Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Crypto Card Issuing & Card Programs (Debit/Credit/Prepaid) (FSADAIAC)
- akta.pro secondary industries
- B2B Crypto Payouts, Mass Payments & Treasury Disbursements (FSADAIAF), On/Off-Ramp Providers (Fiat↔Crypto) & Cash-In/Cash-Out Networks (FSADAIAE), Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL)
Keywords
Where CoinZoom is headquartered
LocationHeadquarters
- HQ city
- Salt Lake City
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
CoinZoom business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure
Revenue model
- Crypto Exchange Trading: CoinZoom operates a cryptocurrency exchange with trading fee discounts up to 50% for ZOOM token holders. Trading commission revenue grew 26% to end February 2026. The platform supports spot trading with Simple Mode for beginners and Pro Mode for expert traders.
- Crypto Debit Card Interchange: CoinZoom earns interchange revenue from Visa debit card transactions. Card revenues grew 4x to end February 2026. Users can spend USD or crypto at over 130 million merchants worldwide. Black Prime members earn 2% in ZOOM on withdrawals.
- CoinZoom Prime Membership: While membership itself is free, the program drives revenue by incentivizing ZOOM token accumulation and trading activity. Higher tiers require 10,000 to 300,000 ZOOM tokens, creating demand for the native token.
- CoinZoom Cash: Cash loading service at US retail locations with a low flat fee of 5%, significantly below Bitcoin ATM fees of up to 25%. Available at thousands of retail locations including over 12,000 7-Eleven stores.
- B2B Enterprise Services: APIs for integration, enterprise-grade security, white-label infrastructure, and fully integrated KYC/AML compliance. 9 new B2B corporate partnerships added in 2025 for crypto infrastructure services including payroll platforms, fintech integrations, payouts and remittance services.
- ZOOM Token Utility: ZOOM is the native utility token with 600 million max supply. Used for trading fee discounts, Prime membership access, and debit card rewards. 50% VIP distribution for community participation, 30% for rewards, 20% team incentives with 3-year vesting.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Non-Prime (base tier with no ZOOM holdings required) |
| Transaction based/ take rate | Pay-as-you-go | Silver Level - 10,000 ZOOM required |
| Transaction based/ take rate | Pay-as-you-go | Gold Level - 50,000 ZOOM required |
| Transaction based/ take rate | Pay-as-you-go | Diamond Level - 150,000 ZOOM required |
| Transaction based/ take rate | Pay-as-you-go | Black Level - 300,000 ZOOM required |
| Unit Pricing | Pay-as-you-go | CoinZoom Cash - Cash Loading Service |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels6 records
CoinZoom product offering
Product offeringCore offering
CoinZoom operates a U.S.-regulated cryptocurrency exchange and integrated digital financial platform that enables users to buy, sell, and trade digital assets via Simple and Pro trading modes, spend USD or crypto at 130+ million merchants worldwide using the CoinZoom Visa Crypto Debit Card, send free peer-to-peer USD and crypto transfers globally via ZoomMe, load cash at retail locations via CoinZoom Cash, and earn tiered crypto rewards through the CoinZoom Prime membership program powered by the ZOOM utility token.
Product overview
CoinZoom is a US-registered fintech company operating a unified platform combining cryptocurrency exchange, global crypto debit card payments, peer-to-peer transfers, and institutional financial infrastructure. The core platform comprises the CoinZoom App (mobile), CoinZoom Crypto Exchange (web trading), ZoomMe (P2P money transfer), CoinZoom Prime (tiered rewards program), and the CoinZoom Crypto Debit Card (Visa). These integrate with add-on modules including CoinZoom Cash (retail cash loading), CoinZoom Instant (card withdrawals), CoinZoom Commerce (merchant crypto payments), Advanced Web Trader (pro trading interface), and the CoinZoom OTC Desk. The ZOOM ERC20 utility token powers the entire ecosystem, driving trading fee discounts, Prime membership tiers, debit card rewards, and referral incentives.
Differentiator
Problem solved
Functional benefit
Brands
- ZoomMe: Free peer-to-peer USD and crypto transfer service enabling instant international money transfers with no fees.
- CoinZoom Prime
- CoinZoom Commerce
- CoinZoom Instant
- CoinZoom Cash
Products and services
- CoinZoom Crypto Exchange U.S.-regulated cryptocurrency exchange offering spot trading for top digital assets with Simple Mode for beginners and Pro Mode (Advanced Web Trader and OTC Desk) for expert traders, multiple order types, and trading fee discounts of up to 50% for ZOOM token holders.
- CoinZoom Crypto Debit Card Visa-branded crypto debit card enabling users to spend USD or cryptocurrency at over 130 million merchants worldwide, withdraw cash at 1 million+ ATMs globally, and earn up to 5% crypto rewards on purchases. The card instantly converts crypto to USD at the point of sale.
- ZoomMe Free peer-to-peer money and crypto transfer service enabling instant global USD or crypto transfers with no fees, no exchange rate markups, no waiting, and no cash pickup required. Sends directly to recipient's ZoomMe handle or external wallet.
Quantifiable outcome
- 73% increase in KYC-verified customers in 2025
- +13 more outcomes
Companies that use CoinZoom
Customer profileSegments4 records
Ideal customer profiles5 records
CoinZoom technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability3 records
Feature6 records
CoinZoom partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core, flagship and minor.
- VisacoreCoinZoom joined Visa's Fintech Fast Track Program enabling accelerated issuance of the CoinZoom Visa crypto debit card globally. The partnership enables users to spend crypto anywhere Visa is accepted at over 130 million merchants worldwide.
- FireblockscoreFireblocks provides institutional-grade wallet architecture and security. Their IP supports institutional security and to date have not had a hot-wallet breach. Clients include Revolut, eToro, ABN Amro, and other major financial institutions.
- BitGocoreBitGo provides institutional digital asset platform services for secure custody and management of digital assets.
- Hedera HashgraphcoreCollaboration with Hedera for Web3 initiatives including the Liithos Sunday Comics project on the Hedera network. Built on Hedera network for Sunday Comics reinvention for Web3 generation.
- CoincovercoreCoincover provides insurance and recovery services securing over 5 million wallets, has protected over $35 billion in transactions, and serves over 350 crypto platforms. Integrated with Fireblocks, Bitso, and Ledger across Europe.
- EllipticcoreElliptic provides AML and compliance tools monitoring 99% of global trading volume and 97% of assets by trading volume. Their platform provides AML/CFT compliance, sanctions enforcement, due diligence, and law enforcement investigations.
- OnfidocoreOnfido provides identity verification and fraud prevention services, experts in crypto and high-volume transaction businesses. Customers include Coinbase, Bitstamp, Revolut, HSBC, Remitly, Europcar, Zipcar, and Deliveroo.
- SardinecoreSardine provides transaction monitoring and SARs reporting services, profiling over 2.2 billion devices with complex platform of device intelligence, behavioral biometrics, and machine learning for real-time risk scoring.
- Utah JazzflagshipUtah Jazz partnership announced March 2022 making CoinZoom the Official Cryptocurrency Platform and NFT Marketplace of the NBA team. Sports sponsorship for brand visibility and customer acquisition in the US market.
- Liithosminor'First of its kind' collaboration with Liithos, built on the Hedera network, reinvents Sunday Comics for a Web3 generation. Partnership announced January 2023 involving Michael Le and the Ashfall video game franchise.
- i2c Inc.corei2c and CoinZoom partnered to deliver global crypto-enabled payments at scale. Partnership enables enhanced payment processing capabilities and global reach.
Scale indicators12 records
Recent moves6 records
Expansion highlights6 records
CoinZoom competitors and assessment
Company assessmentDirect peers
- Crypto.com: Direct competitor offering a Visa crypto debit card with up to 5% rewards, a crypto exchange, and a native utility token (CRO). Most analogous peer given the Visa card + exchange + utility token bundle.
- Coinbase: Largest US-regulated crypto exchange offering spot trading, a Visa debit card, and B2B infrastructure (Coinbase Cloud). Direct competitor across all of CoinZoom's core product lines, with vastly greater scale and capital.
- Kraken: US-regulated cryptocurrency exchange with staking, spot trading, and institutional services. Comparable as a regulated exchange targeting both retail and institutional clients with similar compliance-first positioning.
- Gemini: US-regulated crypto exchange and custodian with a Mastercard credit card, strong SOC 2 compliance posture, and similar emphasis on regulatory licensing. Closely comparable on regulatory philosophy and US institutional credibility.
- Bitstamp: Long-standing regulated crypto exchange with global licensing and institutional focus. Comparable on multi-jurisdictional licensing footprint and B2B/API infrastructure services.
- Binance.US: US arm of Binance, offering spot trading, staking, and Visa debit card. Direct competitor in US retail crypto exchange with similar product breadth including a Visa-branded card.
- eToro: Multi-asset trading platform offering crypto alongside stocks and ETFs with a branded debit card in select markets. Comparable on multi-asset retail trading platform with crypto card offering.
Broad incumbents
- Robinhood Crypto: Large fintech incumbent offering commission-free crypto trading alongside stocks. Comparable as a retail trading platform but with significantly broader financial product suite and substantially larger customer base.
- PayPal Crypto: Global payments incumbent offering crypto buy/sell/hold and checkout with crypto. Comparable on crypto payment acceptance and consumer crypto exposure but as part of a much broader payments platform.
- Block (Cash App): Mobile payments platform with Bitcoin trading and a debit card. Comparable on consumer-facing crypto + payments integration, but with substantially larger scale and more diversified revenue streams.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
CoinZoom social profiles
Digital presenceCoinZoom compliance and trust
Trust signalCompliance4 records
CoinZoom financial estimates
Financial estimateRevenue estimate
Valuation estimate
CoinZoom leadership team
Management profileNumber of profiles
Profiles5 records
CoinZoom subsidiaries and ownership
Company hierarchySubsidiaries1 record
CoinZoom funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CoinZoom 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 CoinZoom
What does CoinZoom do?
CoinZoom operates a U.S.-regulated cryptocurrency exchange and integrated digital financial platform that enables users to buy, sell, and trade digital assets via Simple and Pro trading modes, spend USD or crypto at 130+ million merchants worldwide using the CoinZoom Visa Crypto Debit Card, send free peer-to-peer USD and crypto transfers globally via ZoomMe, load cash at retail locations via CoinZoom Cash, and earn tiered crypto rewards through the CoinZoom Prime membership program powered by the ZOOM utility token.
Is CoinZoom a public or private company?
CoinZoom is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was CoinZoom founded?
CoinZoom was founded in 2018. It employs 11 to 50 people.
Where is CoinZoom based?
CoinZoom is headquartered in Salt Lake City, United States, in the North America region.
How does CoinZoom make money?
Six revenue lines are on record. Crypto Exchange Trading is the primary driver. The others are crypto Debit Card Interchange, coinZoom Prime Membership, coinZoom Cash, B2B Enterprise Services and ZOOM Token Utility.
Who are CoinZoom's main competitors?
Direct peers on record are Crypto.com, Coinbase, Kraken, Gemini, Bitstamp, Binance.US and eToro. Broad incumbents are Robinhood Crypto, PayPal Crypto and Block (Cash App).
Does CoinZoom have an API?
Yes. CoinZoom offers a Public API for developer access to its platform. Developer documentation is at api-docs.coinzoom.com.
What industry is CoinZoom in?
CoinZoom's product category is Cryptocurrency Exchange. Its primary akta.pro industry code is FSADAIAC, Crypto Card Issuing & Card Programs (Debit/Credit/Prepaid), with a secondary code of FSADAIAF, B2B Crypto Payouts, Mass Payments & Treasury Disbursements. Its NAICS code is 52221 and its SIC code is 6200.