SpectroCoin
SpectroCoin is an Estonia-headquartered cryptocurrency platform founded in 2013 offering integrated wallet, exchange, VISA debit card, crypto-backed loans, and merchant payment gateway services to over 1 million individual users and merchants globally.
- Company typePrivate
- Founded2013
- HeadquartersTallinn, Estonia
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What SpectroCoin does
SpectroCoin is an Estonia-headquartered cryptocurrency platform founded in 2013 that operates an integrated suite of crypto financial services for individual consumers and merchants globally. Through entities in Estonia (Spectro Finance OÜ, license FVT000185), the British Virgin Islands, and Panama, the company serves over 1 million registered users, subject to restrictions excluding US residents. Its product portfolio comprises a multi-currency digital wallet supporting 40+ cryptocurrencies, an instant cryptocurrency exchange with multiple fiat on-ramps (SEPA, credit/debit cards, Skrill, Neteller, Volet.com), a VISA debit card linked to crypto balances with an associated personal dedicated IBAN, crypto-backed lending against Bitcoin, Ether, XEM, and Dash collateral, and a business crypto payment gateway with volatility protection that settles merchants directly in fiat (USD, EUR, GBP). Distribution is fully self-serve via web, iOS, and Android channels, supported by SEO, a referral program, a bug bounty, and content marketing.
The underlying technology is a multi-currency wallet and exchange platform with integrated card issuance, IBAN banking, lending, and merchant payment processing, exposed to third-party developers via API documentation at docs.spectrocoin.com. Revenue is generated through three core streams: (1) transaction fees on cryptocurrency exchanges across multiple payment rails, (2) interchange and usage revenue from the VISA debit card when users spend crypto balances at merchants or withdraw cash at ATMs, and (3) interest income on crypto-backed loans. Pricing is pay-as-you-go with a free wallet sign-up and transaction-based fees rather than subscription tiers. The go-to-market is product-led growth targeting long-tail individual crypto users as the primary segment, with a secondary B2B segment of online and physical merchants seeking crypto acceptance without volatility exposure.
SpectroCoin firmographics
Firmographics- Name
- SpectroCoin
- Legal name
- Spectro Finance OÜ
- Website
- https://spectrocoin.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- SpectroCoin is an Estonia-headquartered cryptocurrency platform founded in 2013 offering integrated wallet, exchange, VISA debit card, crypto-backed loans, and merchant payment gateway services to over 1 million individual users and merchants globally.
- Ownership category
- akta.pro rank
SpectroCoin industry classification
Industry- Product category
- Cryptocurrency Exchange and Digital Asset Services
- NAICS
- Credit Card Issuing (522210)
- SIC
- Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Finance Services (6199)
- akta.pro primary industry
- Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL)
- akta.pro secondary industries
- Crypto Card Issuing & Card Programs (Debit/Credit/Prepaid) (FSADAIAC), Crypto Payment Gateways & Checkout APIs (FSADAIAA), Crypto Borrowing & Margin Credit Facilities (FSADAFAC)
Keywords
Where SpectroCoin is headquartered
LocationHeadquarters
- HQ city
- Tallinn
- HQ country
- Estonia
- HQ region
- Europe
Offices3 records
Markets served
SpectroCoin business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Cryptocurrency Exchange Fees: Transaction fees charged when users exchange cryptocurrencies through the platform. Users can buy/sell using credit/debit cards, bank transfers, SEPA, Skrill, Neteller, and Volet.com payment methods.
- Debit Card Usage: Revenue generated from VISA debit card transactions when users spend crypto balances at merchants worldwide or withdraw cash at ATMs
- Crypto-Backed Loans: Interest income from loans secured by cryptocurrency collateral, with instant payouts to bank accounts or blockchain wallets
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Free wallet account with transaction-based fees |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
SpectroCoin product offering
Product offeringCore offering
SpectroCoin operates an all-in-one cryptocurrency platform combining a multi-currency digital wallet supporting 40+ cryptocurrencies, an instant crypto exchange with multiple payment methods, a VISA debit card linked to a personal dedicated IBAN, crypto-backed lending against Bitcoin and other assets, and a business payment gateway that lets merchants accept crypto with volatility protection and fiat settlement. Services are accessible globally via web and iOS/Android apps, with operations served through regulated entities in Estonia, the British Virgin Islands, and Panama.
Product overview
SpectroCoin is an all-in-one cryptocurrency platform offering a unified ecosystem of products: the core Wallet for storing and managing 40+ digital currencies, a Debit Card for spending crypto at merchants and withdrawing cash globally, a Personal Dedicated IBAN for fiat banking integration, an Exchange for instant crypto-to-crypto trading with multiple payment methods (SEPA, cards, Skrill, Neteller, Volet.com), Crypto-backed Loans for borrowing against crypto collateral, and a Business Payment Gateway for merchants to accept cryptocurrency with volatility protection. The platform also offers a mobile app for iOS and Android. The company has been operating for 10 years and serves over 1 million users with 50+ supported cryptocurrencies and 24/7 support.
Differentiator
Problem solved
Functional benefit
Products and services
- Wallet Multi-currency digital wallet supporting 40+ cryptocurrencies, accessible via mobile app or web browser for storing and managing digital assets with 24/7 support.
- Debit Card VISA debit card that converts Bitcoin and other cryptocurrencies to euros for spending at millions of merchants worldwide and cash withdrawals at ATMs globally, paired with a personal dedicated IBAN.
- Personal Dedicated IBAN Personal IBAN account issued in the user's own name for direct deposits and withdrawals to and from their SpectroCoin account.
- Exchange Instant cryptocurrency exchange supporting a wide variety of payment methods including credit/debit cards, bank transfers, SEPA, Skrill, Neteller, and Volet.com for buying and selling Bitcoin and other cryptocurrencies.
- Crypto-Backed Loans Lending product that lets users borrow against cryptocurrency holdings (Bitcoin, Ether, XEM, Dash, and others) as collateral with instant payouts to bank accounts or blockchain wallets.
- Business/Crypto Payment Gateway Cryptocurrency payment gateway for businesses that accepts Bitcoin and other cryptocurrencies at online or physical stores, with volatility protection and direct settlement in USD, EUR, GBP, or local currency to the merchant's bank account.
Companies that use SpectroCoin
Customer profileSegments3 records
Ideal customer profiles2 records
SpectroCoin technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
SpectroCoin partnerships and signals
Strategic signalScale indicators4 records
Recent moves6 records
Expansion highlights6 records
SpectroCoin competitors and assessment
Company assessmentBroad incumbents
- Coinbase: Public, US-regulated crypto exchange with wallet, debit card via Coinbase Card, lending, and merchant services. Significantly larger scale than SpectroCoin but overlapping in product mix and retail-crypto focus.
Direct peers
- ChangeNOW: Non-custodial crypto exchange and fiat on-ramp serving global retail users. Comparable to SpectroCoin on the exchange and payment-routing side, though with a lighter regulatory footprint.
- Exodus Wallet: Multi-currency crypto wallet with integrated exchange and staking across desktop and mobile. Comparable to SpectroCoin on the wallet-plus-exchange combination serving self-custody-leaning retail users.
- Nexo: Crypto lending and exchange platform offering crypto-backed loans, an exchange, and a card product. Highly comparable to SpectroCoin's lending and card offerings for retail crypto holders.
- Paybis: Cryptocurrency exchange and payment gateway with strong card and SEPA rails for European and global retail users. Comparable to SpectroCoin on the buy/sell exchange plus merchant acceptance stack.
- Crypto.com: Direct peer offering an integrated crypto exchange, VISA debit card, lending, and wallet stack. Targets retail and merchant users globally with a similar all-in-one value proposition to SpectroCoin but at much greater scale.
- Bitpanda: European crypto broker offering wallet, exchange, debit card, and crypto-backed investment products. Most directly comparable to SpectroCoin by geography, target audience, and breadth of product suite.
- Wirex: Crypto payments platform offering a multi-currency wallet, exchange, and crypto-backed VISA debit card globally. Closely comparable to SpectroCoin's card-plus-wallet model with strong overlap in fiat rails and target user.
- Kraken: Major cryptocurrency exchange also offering staking, margin, and OTC services. Comparable to SpectroCoin on the exchange and wallet core, though with deeper liquidity and a more institutional user base.
Emerging players
- MoonPay: Crypto payments infrastructure provider powering fiat-to-crypto on-ramps for wallets, exchanges, and NFT platforms. Comparable to SpectroCoin's merchant gateway and exchange payment-routing layer.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
SpectroCoin social profiles
Digital presenceSpectroCoin financial estimates
Financial estimateRevenue estimate
Valuation estimate
SpectroCoin leadership team
Management profileNumber of profiles
Profiles3 records
SpectroCoin funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
SpectroCoin 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 SpectroCoin
What does SpectroCoin do?
SpectroCoin operates an all-in-one cryptocurrency platform combining a multi-currency digital wallet supporting 40+ cryptocurrencies, an instant crypto exchange with multiple payment methods, a VISA debit card linked to a personal dedicated IBAN, crypto-backed lending against Bitcoin and other assets, and a business payment gateway that lets merchants accept crypto with volatility protection and fiat settlement. Services are accessible globally via web and iOS/Android apps, with operations served through regulated entities in Estonia, the British Virgin Islands, and Panama.
Is SpectroCoin a public or private company?
SpectroCoin is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was SpectroCoin founded?
SpectroCoin was founded in 2013. It employs 11 to 50 people.
Where is SpectroCoin based?
SpectroCoin is headquartered in Tallinn, Estonia, in the Europe region.
How does SpectroCoin make money?
Three revenue lines are on record. Cryptocurrency Exchange Fees are the primary driver. The others are debit Card Usage and crypto-Backed Loans.
Who are SpectroCoin's main competitors?
Coinbase is listed as a broad incumbent. Direct peers are ChangeNOW, Exodus Wallet, Nexo, Paybis, Crypto.com, Bitpanda, Wirex and Kraken. MoonPay is listed as an emerging player.
Does SpectroCoin have an API?
Yes. SpectroCoin offers API documentation for developers. The documentation is available at docs.spectrocoin.com. No additional details about API type (REST, GraphQL, webhooks), authentication method, rate limits, versioning, or sandbox availability are specified in the source material. Developer documentation is at docs.spectrocoin.com.
What industry is SpectroCoin in?
SpectroCoin's product category is Cryptocurrency Exchange and Digital Asset Services. Its primary akta.pro industry code is BPAMAFAL, Crypto Payments & Stablecoin Settlement Platforms, with a secondary code of FSADAIAC, Crypto Card Issuing & Card Programs (Debit/Credit/Prepaid). Its NAICS code is 522210 and its SIC code is 6200.