Cryptopocket | Fiat ramp on/off

What Cryptopocket | Fiat ramp on/off does

Cryptopocket, operating through the Spanish private limited company Fintech Payments PSC, S.L. headquartered in Madrid, provides regulated fiat-to-cryptoasset and cryptoasset-to-fiat exchange infrastructure targeted exclusively at businesses, fintechs, platforms, and professional clients. The company was founded in 2022 and received CNMV authorization as a crypto-asset service provider under MiCA (Regulation (EU) 2023/1114) on 18 June 2026 for the exchange of crypto-assets for funds, making it one of the early EU-authorized exchange providers under the new framework. The core product is a controlled exchange workflow covering fiat ↔ stablecoin exchange, business on/off-ramping, multi-currency fiat support, dedicated settlement account arrangements, controlled onboarding (KYC/KYB, AML/CTF, sanctions screening, KYT, wallet risk screening, Travel Rule), client-controlled wallet delivery, and operational reporting and reconciliation. The technology stack is a REST API with webhooks for order lifecycle, quote validity, onboarding events, and settlement updates, delivered through a sandbox-tested, gated production access model that requires business, technical, and compliance approval before clients can transact.

Cryptopocket operates as principal and direct counterparty using its own liquidity arrangements and inventory, delivering purchased cryptoassets to wallets controlled by the client rather than providing custody. Supported cryptoassets include USDC (across Ethereum, Polygon, Solana, and Arbitrum One), USDT, BTC, ETH, BNB, POL, and TRX on their respective networks, with supported fiat currencies defined during onboarding. The go-to-market is API-first B2B and B2B2C, with distribution through a dedicated developer portal, embedded exchange workflow, and assisted direct sales via contact and demo requests. The company has no consumer-facing product, no public social media presence, and no described paid advertising channels.

The business model is volume-based transaction fees applied separately from the market price with no spread. Pricing tiers are: Standard 2% up to €25,000/month, Growth 1.5% over €25,000 up to €100,000/month, Professional 1% over €100,000 up to €500,000/month, and Enterprise custom pricing above €500,000/month, with quote validity of five minutes and a 2% adverse price variation threshold. The team comprises 15 employees, including seven executives (three co-founders — Francisco Romero as CEO, Vicente Romero as COO, Ivan Becerro as CIO — plus a Chief Compliance Officer, CTO, Head of Blockchain Engineering, and VP of Operations). No funding rounds, no parent company, no subsidiaries, and no revenue are disclosed.

Name

Cryptopocket | Fiat ramp on/off

Legal name

Fintech Payments PSC, S.L.

Website

https://cryptopocket.io

Company type

Private

Operating status

Operating

Short description

Cryptopocket operates a MiCA-authorized fiat-to-stablecoin exchange infrastructure for businesses, fintechs, and platforms via API-first B2B and B2B2C workflows, with volume-based fees and client-controlled wallet delivery.

Ownership category

akta.pro rank

Product category

Regulated Crypto-Asset Exchange Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Commodity Contracts Brokers & Dealers (6221)

akta.pro primary industry

Crypto Payment Gateways & Checkout APIs (FSADAIAA)

Keywords

• Fiat stablecoin exchange
• Crypto-asset services
• MiCA-authorised CASP
• B2B exchange API
• On-ramp off-ramp

Headquarters

HQ city

Madrid

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction Fee — Volume-Based: Cryptopocket charges a transparent, volume-based fee applied separately from the market price. No spread is added to the exchange rate. Fee tiers: 2% up to €25,000/month (Standard), 1.5% over €25,000 up to €100,000/month (Growth), 1% over €100,000 up to €500,000/month (Professional), custom pricing above €500,000/month (Enterprise). Fees are charged per transaction on fiat-to-cryptoasset and cryptoasset-to-fiat exchange.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Cryptopocket is a MiCA-authorised crypto-asset service provider that operates a regulated fiat-to-cryptoasset and cryptoasset-to-fiat exchange infrastructure for businesses, fintechs, platforms and professional clients. The company provides an API-ready exchange workflow, controlled onboarding (KYC/KYB, AML, sanctions, KYT, Travel Rule), multi-currency settlement support, and delivery of purchased cryptoassets to client-controlled wallets, acting as principal and direct counterparty using its own liquidity.

Product overview

Cryptopocket is a MiCA-authorised fiat and stablecoin exchange infrastructure platform for businesses, fintechs, platforms and professional clients. The platform is built around the core Fiat ↔ Stablecoin Exchange service, complemented by the Business On/Off-Ramp for recurring workflows and the Embedded Exchange Workflow API product for platform integrations. Additional modules include Controlled Onboarding (KYC/KYB/AML/KYT/Travel Rule compliance), Client-Controlled Wallet Delivery, Multi-Currency Fiat Support, Dedicated Settlement Account Arrangements, and Operational Reporting and Reconciliation. The platform operates through Fintech Payments PSC, S.L. under CNMV authorization in Spain.

Differentiator

Problem solved

Functional benefit

Products and services

• Fiat ↔ Stablecoin Exchange Core regulated exchange service enabling fiat-to-cryptoasset and cryptoasset-to-fiat exchange orders with transparent pricing, five-minute quote validity, market-based operational quotes and delivery to client-controlled wallets, designed for businesses, fintechs, platforms and professional clients.
• Business On/Off-Ramp Business-oriented exchange workflow for companies and professional clients requiring recurring access to supported stablecoins, with business and professional client onboarding, volume-based commercial terms, assisted operational support, order status visibility, and reporting and reconciliation support.
• Embedded Exchange Workflow (API product) API-ready embedded exchange process allowing businesses and platforms to integrate exchange orders, quotes, validity/expiry events, onboarding and compliance status events, webhooks for operational updates and reporting into their product or internal operations without transferring client acceptance, compliance review or regulated responsibilities.
• Developer Portal and Sandbox Developer portal with REST API documentation, sandbox environment, exchange order examples, quote and expiry information, onboarding events, settlement and reconciliation events, webhook documentation and implementation guides for approved business clients.

Segments6 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• MoonPay: MoonPay provides fiat-to-crypto on/off-ramp infrastructure for businesses and consumers via API and embedded checkout. Like Cryptopocket, MoonPay targets platforms and fintechs needing compliant fiat↔crypto exchange workflows, though at a much larger scale and broader geographic footprint.
• Ramp Network: Ramp Network is a B2B-focused fiat-to-crypto on-ramp provider offering API-based exchange infrastructure with a regulated, compliance-first model. Like Cryptopocket, Ramp focuses on platform and fintech integrations rather than consumer-facing wallets, making it a direct functional peer.
• BCB Group: BCB Group provides regulated payments and crypto infrastructure for institutional and B2B clients, including fiat↔stablecoin exchange and settlement accounts. Like Cryptopocket, BCB targets professional and enterprise clients with multi-currency settlement and compliance controls, operating under regulated frameworks.
• Zero Hash: Zero Hash offers embedded crypto and stablecoin infrastructure-as-a-service via APIs, allowing fintechs and platforms to offer buy/sell, custody, and settlement. Like Cryptopocket, Zero Hash is API-first, B2B-focused, and explicitly does not take client deposits in the same model — making it a closely comparable peer.
• BVNK: BVNK is a B2B payments infrastructure provider focused on stablecoin and fiat orchestration for businesses. Like Cryptopocket, BVNK targets enterprises with multi-currency settlement, compliance controls, and API-first integration — serving a similar customer profile of fintechs and platforms.
• Alchemy Pay: Alchemy Pay provides fiat↔crypto payment gateway infrastructure via API for merchants and platforms globally. Like Cryptopocket, it offers B2B on-ramp and off-ramp APIs with multi-currency support and compliance controls, though with a stronger consumer/merchant retail focus.

Emerging players

• Onramper: Onramper aggregates multiple fiat-to-crypto on-ramp providers behind a single API for wallets and platforms. While not a direct exchange competitor, Onramper competes with Cryptopocket by offering a unified integration layer that routes volume across multiple providers, potentially disintermediating single-provider APIs.

Broad incumbents

• Stripe (Bridge): Stripe, through its Bridge acquisition, is expanding into stablecoin payments and fiat↔crypto infrastructure for businesses. As a broad incumbent with massive developer distribution and capital, Stripe represents the dominant platform risk to niche B2B crypto exchange infrastructure providers like Cryptopocket.
• Circle: Circle, the issuer of USDC and a regulated money transmitter, is increasingly offering fiat↔USDC exchange and treasury APIs for businesses. Circle is both an adjacent partner and competitor to Cryptopocket — it controls the dominant euro and dollar stablecoin that Cryptopocket intermediates.
• Coinbase: Coinbase operates regulated exchange and custody infrastructure globally, including Coinbase Prime for institutional and embedded APIs for platforms. As a broad incumbent with deep liquidity and regulatory licenses across multiple jurisdictions, Coinbase represents significant competitive pressure on Cryptopocket's EU-focused exchange offering.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights5 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

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 Cryptopocket | Fiat ramp on/off