Xcoins.com
Xcoins.com is a Malta-headquartered, MiCA-regulated cryptocurrency exchange operated by CF Technologies Ltd that enables individual retail consumers in global markets to instantly buy and sell 14+ cryptocurrencies using cards, Apple Pay, Google Pay, SEPA, and PayPal.
- Company typePrivate
- Founded2016
- HeadquartersValletta, Malta
- Headcount11–50
- GTM typeB2C
- OfferingSoftware
What Xcoins.com does
Xcoins.com is a consumer-facing cryptocurrency exchange platform operated by CF Technologies Ltd, a privately held Maltese limited company headquartered in Birkirkara, Malta. Founded in 2016 and authorized by the Malta Financial Services Authority (MFSA) as a Crypto-Asset Service Provider (CASP) under the EU MiCA framework, the platform enables individual consumers across global markets to buy and sell 14+ cryptocurrencies — including Bitcoin, Ethereum, XRP, USDC, Solana, Cardano, and Dogecoin — using familiar payment rails such as credit/debit cards, Apple Pay, Google Pay, SEPA, Faster Payments, PayPal, Skrill, Neteller, Trustly, Volt, Help2pay, and Pix. The product is positioned for crypto-beginner and intermediate retail users rather than professional traders, with a streamlined self-serve onboarding flow, locked exchange rates to insulate users from intra-transaction volatility, and a stated 15-minute crypto delivery target.
The platform is built on a cloud-hosted architecture (Amazon Web Services) with blockchain integration for transaction verification and delivery confirmation. Proprietary features include the instant-delivery and locked-rate transaction engine, a fraud-protection layer combining identity verification, transaction monitoring, and PCI DSS-compliant payment processing, and complementary tools such as a crypto calculator, an educational blog (Crypto Academy, Crypto News, Market Analysis, Crypto Guide), and an affiliate/referral program. The platform supports five languages (English, Spanish, French, German, Portuguese) and operates under a defined geographic-restriction list.
Commercially, Xcoins runs a self-serve, product-led growth motion generating revenue from commission fees embedded in displayed exchange rates on both crypto-to-fiat and crypto-to-crypto transactions, with a 0% promotional fee on a user's first order as an acquisition incentive. Marketing is primarily organic and content-driven via the blog and social channels (Twitter/X, LinkedIn, Facebook, Instagram, Telegram), with no disclosed paid-acquisition spend, partnerships, enterprise contracts, or institutional investors. As of the most recent data, the platform reports 300,000+ onboarded clients, 1.2M+ completed exchanges, $400M+ cumulative trading volume, and a 4.78-star self-reported customer rating.
Xcoins.com firmographics
Firmographics- Name
- Xcoins.com
- Legal name
- CF Technologies Ltd
- Website
- https://xcoins.com
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Xcoins.com is a Malta-headquartered, MiCA-regulated cryptocurrency exchange operated by CF Technologies Ltd that enables individual retail consumers in global markets to instantly buy and sell 14+ cryptocurrencies using cards, Apple Pay, Google Pay, SEPA, and PayPal.
- Ownership category
- akta.pro rank
Xcoins.com industry classification
Industry- Product category
- Retail Cryptocurrency Exchange
- NAICS
- Securities and Commodity Contracts Intermediation and Brokerage (5231)
- SIC
- Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Spot Crypto Exchanges (Order-Book & Matching Engine) (FSADAAAA)
- akta.pro secondary industries
- On/Off-Ramp Providers (Fiat↔Crypto) & Cash-In/Cash-Out Networks (FSADAIAE), Crypto Custody & Exchange Wallet Services (Integrated) (FSADAAAG)
Keywords
Where Xcoins.com is headquartered
LocationHeadquarters
- HQ city
- Valletta
- HQ country
- Malta
- HQ region
- Europe
Offices1 record
Markets served
Xcoins.com business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Infrastructure, Operations, Personnel, Marketing or Sales
Revenue model
- Crypto Exchange Transaction Fees: Xcoins charges commission fees on cryptocurrency buy and sell transactions. The price displayed on the site includes the digital currency market rate plus the company's commission fee, with additional fees potentially applying on top of the displayed price. New users receive 0% fees on their first order.
- Crypto-to-Crypto Exchange: The company also offers exchange of crypto-assets for other crypto-assets, generating revenue through transaction fees on these exchange services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | First Order - 0% fees |
| Transaction based/ take rate | Pay-as-you-go | Standard Transactions |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels7 records
Xcoins.com product offering
Product offeringCore offering
Xcoins.com operates a consumer-facing online cryptocurrency exchange that lets individual users buy and sell 14+ digital assets, including Bitcoin, Ethereum, XRP, USDC, Solana, and Dogecoin, using traditional and digital payment methods such as credit/debit cards, Apple Pay, Google Pay, SEPA, Faster Payments, and PayPal. Transactions are completed within 15 minutes of payment approval using a locked exchange rate, and the service is offered as a fully MiCA-regulated Crypto-Asset Service Provider.
Product overview
Xcoins.com is a cryptocurrency exchange platform operated by CF Technologies Limited under the Xcoins brand. The platform operates as a Crypto-Asset Service Provider (CASP) authorized by the Malta Financial Services Authority (MFSA) under MiCA regulations. It offers a unified platform for buying and selling cryptocurrencies, with the core service being the direct purchase and sale of Bitcoin and other digital currencies (including ETH, XRP, USDC, SHIB, DOT, TRX, ADA, BNB, SOL, FTN, LTC, BCH, and DOGE) using various payment methods. The platform provides 15-minute instant transactions, multiple payment options (credit/debit cards, Apple Pay, Google Pay, SEPA, Faster Payments, PayPal, Skrill, Neteller, Trustly, Volt, Help2pay, and Pix), and complementary tools including a Crypto Calculator, educational blog content, and an affiliate program. The service is licensed for exchange of crypto-assets for funds, exchange of crypto-assets for other crypto-assets, custody and administration of crypto-assets, and transfer services for crypto-assets.
Differentiator
Problem solved
Functional benefit
Products and services
- Xcoins Cryptocurrency Exchange Platform A consumer-facing cryptocurrency exchange platform that enables individuals to buy and sell Bitcoin and other digital assets instantly using credit/debit cards, Apple Pay, Google Pay, SEPA, Faster Payments, PayPal, and other payment methods, with transactions completed within 15 minutes of payment approval.
- Crypto Trading and Payment Method Services MiCA-regulated crypto-asset services including exchange of crypto-assets for funds (fiat), exchange of crypto-assets for other crypto-assets, custody and administration of crypto-assets on behalf of clients, and transfer services for crypto-assets on behalf of clients, supported by multiple fiat on/off-ramps.
- Supported Cryptocurrency Assets A catalog of cryptocurrencies available for trading on the platform, including Bitcoin (BTC), Ethereum (ETH), XRP, USD Coin (USDC), Shiba Inu (SHIB), Polkadot (DOT), Tron (TRX), Cardano (ADA), Binance Coin (BNB), Solana (SOL), Fasttoken (FTN), Litecoin (LTC), Bitcoin Cash (BCH), and Dogecoin (DOGE).
- Xcoins Affiliate Program A referral program that allows users and partners to earn commissions by referring new customers who sign up and transact on the Xcoins cryptocurrency exchange.
Quantifiable outcome
- 15-minute transaction completion from payment approval
- +4 more outcomes
Companies that use Xcoins.com
Customer profileNamed customers1 record
Segments1 record
Ideal customer profiles1 record
Xcoins.com technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Xcoins.com partnerships and signals
Strategic signalScale indicators4 records
Recent moves5 records
Expansion highlights4 records
Xcoins.com competitors and assessment
Company assessmentDirect peers
- Bitpanda: Bitpanda is an Austrian/Malta-headquartered EU-regulated retail crypto broker with MiCA licensing and multi-payment fiat rails (cards, SEPA, SOFORT, Skrill, Neteller), overlapping directly with Xcoins' European-licensed, beginner-focused on-ramp positioning.
- Crypto.com: Crypto.com offers retail crypto buying via cards, Apple Pay, Google Pay, and bank transfers with a polished consumer app, directly comparable to Xcoins' instant-delivery fiat on-ramp target segment and product UX.
- Coinbase: Coinbase is the largest US-regulated retail crypto exchange offering fiat-to-crypto buying with debit/credit cards, Apple Pay, Google Pay, and PayPal - directly mirroring Xcoins' core consumer on-ramp product and serving the same beginner-to-intermediate retail audience.
- Binance: Binance operates the world's largest centralized crypto exchange with extensive fiat on-ramps (cards, SEPA, Apple Pay, Google Pay, P2P) and spot crypto trading, directly competing with Xcoins for retail users seeking simple buy/sell crypto experiences globally.
- Kraken: Kraken is a long-standing regulated crypto exchange with fiat on-ramps (cards, Apple Pay, Google Pay) serving retail users in a similar regulatory-compliant, professional-operator profile to Xcoins.
- MoonPay: MoonPay is a crypto on/off-ramp specialist offering instant fiat-to-crypto purchases via cards, Apple Pay, and Google Pay with fraud protection; it directly overlaps Xcoins' core instant-purchase functionality and also operates an enterprise/B2B API business model.
- Bitstamp: Bitstamp is an EU-based, Luxembourg-licensed retail crypto exchange offering fiat on-ramps via SEPA and cards, comparable to Xcoins in regulated European reach and consumer-focused exchange positioning.
- CEX.IO: CEX.IO is a UK-based, regulated retail crypto exchange offering instant crypto purchases via cards, Apple Pay, and Google Pay with a beginner-focused interface and 24/7 support, highly comparable to Xcoins' target product experience.
Broad incumbents
- Revolut Crypto: Revolut offers crypto buy/sell inside its super-app, with European e-money licensing and instant purchases from user balances; comparable to Xcoins as a multi-payment-method, EU-regulated consumer on-ramp, though crypto is one product among many.
- PayPal Crypto: PayPal integrates crypto buy/sell directly into its wallet, offering fiat-to-crypto purchases to its hundreds of millions of users via cards and bank balances - a broader-incumbent competitor targeting the same beginner on-ramp segment as Xcoins.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks5 records
Key highlights7 records
Customer concentration
Xcoins.com social profiles
Digital presenceXcoins.com compliance and trust
Trust signalCompliance5 records
Xcoins.com financial estimates
Financial estimateRevenue estimate
Valuation estimate
Xcoins.com leadership team
Management profileNumber of profiles
Profiles3 records
Xcoins.com funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Xcoins.com 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 Xcoins.com
What does Xcoins.com do?
Xcoins.com operates a consumer-facing online cryptocurrency exchange that lets individual users buy and sell 14+ digital assets, including Bitcoin, Ethereum, XRP, USDC, Solana, and Dogecoin, using traditional and digital payment methods such as credit/debit cards, Apple Pay, Google Pay, SEPA, Faster Payments, and PayPal. Transactions are completed within 15 minutes of payment approval using a locked exchange rate, and the service is offered as a fully MiCA-regulated Crypto-Asset Service Provider.
Is Xcoins.com a public or private company?
Xcoins.com is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Xcoins.com founded?
Xcoins.com was founded in 2016. It employs 11 to 50 people.
Where is Xcoins.com based?
Xcoins.com is headquartered in Valletta, Malta, in the Europe region.
How does Xcoins.com make money?
Two revenue lines are on record. Crypto Exchange Transaction Fees are the primary driver. The others are crypto-to-Crypto Exchange.
Who are Xcoins.com's main competitors?
Direct peers on record are Bitpanda, Crypto.com, Coinbase, Binance, Kraken, MoonPay, Bitstamp and CEX.IO. Broad incumbents are Revolut Crypto and PayPal Crypto.
Does Xcoins.com have an API?
No public API is recorded for Xcoins.com.
What industry is Xcoins.com in?
Xcoins.com's product category is Retail Cryptocurrency Exchange. Its primary akta.pro industry code is FSADAAAA, Spot Crypto Exchanges (Order-Book & Matching Engine), with a secondary code of FSADAIAE, On/Off-Ramp Providers (Fiat↔Crypto) & Cash-In/Cash-Out Networks. Its NAICS code is 5231 and its SIC code is 6200.