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FinchTrade
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OTC liquidity Cross‑border payments
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Product OTC liquidity Cross‑border payments Solutions Payment service provider OTC desk EMI / Bank API docs Referrals About Blog

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Crypto OTC Liquidity for Payment Providers

FinchTrade is a Swiss VASP and OTC crypto liquidity provider for payment providers. We power crypto-to-fiat conversion, mass payouts, and stablecoin settlement with institutional spreads, ~30 minute settlement, and integrated KYC/AML/KYT.

Explore the product
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Bidirectional flows

Off-ramp, on-ramp, or both

Off-ramp crypto to fiat. On-ramp fiat to stablecoins. Or both, through a single account.

Off-ramp

Crypto-in, fiat-out

Merchant crypto → fiat in your bank account.

  • Crypto in: USDT, USDC, BTC, ETH on all major chains
  • Real-time quote at conversion — no holding period
  • Fiat out via SEPA/SWIFT, ~30 min settlement

On-ramp

Fiat-in, stablecoin-out

Client fiat → USDT/USDC to your wallet.

  • Fiat in via SEPA/SWIFT into FinchTrade's accounts
  • Locked FX rate at execution
  • Stablecoin out on your chain — ERC-20, TRC-20, BSC, Solana, ~30 min settlement

Off-ramp, on-ramp, or both — from a single FinchTrade account.

Who we serve

Types of payment providers we work with

Six PSP models, six sets of liquidity needs. Find yours.

01 — PSPs

Crypto-enabled payment service providers

PSPs settling merchants in fiat or stablecoin — whichever direction your business model needs.

  • Crypto-to-fiat conversion for merchants accepting crypto — 30% collateral, ~30 min settlement
  • Fiat-to-stablecoin settlement for merchants paid in crypto — locked FX, multi-chain delivery

02 — Mass payouts

Mass crypto payout providers

High-volume, small-ticket global payouts.

  • Mass crypto payout infrastructure — single batch quote across hundreds of conversions
  • Stablecoin payout rails in USDT and USDC, 24/7 execution

03 — Cross-border

Cross-border B2B payment providers

Institutional stablecoin transit and local payout.

  • Cross-border stablecoin settlement across Europe ↔ Africa, LatAm, UAE corridors
  • Local-currency payout via licensed partners with upfront FX transparency

04 — Card processors

Crypto card processors

Fund card spend from stablecoin balances in real time.

  • Crypto card processing liquidity — sub-second conversion at authorisation
  • Stablecoin-to-fiat funding of card-network settlement on standard timelines

05 — Payroll

Crypto payroll providers

Recurring payroll and contractor payouts in crypto.

  • Crypto payroll execution — batch quote covering all recipients per cycle
  • Multi-chain stablecoin support — USDT TRC-20, ERC-20, BSC for recipient preference

06 — Remittance

Remittance and money transfer operators

Fiat-in / fiat-out corridors via stablecoin rails.

  • Stablecoin remittance rails — fiat on-ramp, transit, fiat off-ramp
  • Cross-border MTO settlement across high-volume remittance corridors

Why FinchTrade

Built for PSP workflows

API-first integration, capital-efficient funding, and institutional pricing — behind your brand.

Seamless API integration

One API for crypto-to-fiat, crypto-to-crypto, and mass payouts. Trade-to-settle automation, fully integrated.

Flexible funding

30% collateral instead of 100% prefunding — frees working capital.

Institutional spreads

Aggregated liquidity from multiple venues with smart order routing — no front-running, no cross-venue arbitrage pocketing.

Cross-chain stablecoin conversion

USDT and USDC on all major chains, 100+ pairs total. Switch chains mid-flow when your merchant needs it.

24/7 automated workflows

Trade, settle, and reconcile around the clock. Human desk on call for edge cases and non-standard flows.

Customised reporting

Per-transaction FX rate, on-chain hash, and settlement reference. Direct feed into your reconciliation.

See settlement, collateral, and API on your volume.

Treasury efficiency

Margin trading for treasury efficiency

30% collateral per trade — not 100% upfront. Same execution, capital stays on your books.

70% capital freed
~30 min settlement
1 account all channels

How it works in practice

Example: a €1M crypto-to-fiat trade

100% prefunding

€1M wired upfront
  • Full notional locked before trade
  • Capital idle until settlement completes

FinchTrade margin trading

€300k collateral at 30%

€700k stays on your books

  • Same €1M trade executes
  • Settlement in ~30 minutes

Case study #1 — FinchTrade x INXY

The problem

INXY enables merchants to accept crypto payments seamlessly, offering mass payouts alongside fiat-to-fiat and crypto-to-crypto conversions.

The key challenge is fast, competitive crypto-to-fiat conversion to reduce market volatility, especially for time-sensitive payments

The solution

  1. Deep liquidity pools for quick, low-slippage conversions, vital for real-time fiat transfers
  2. Human touch with flexibility for non-standard requests. INXY often needed to convert USDT on BSC to TRC-20 and vice versa, which FinchTrade manually ensured beyond standard operations.

Results

  1. INXY’s transaction volume grew by ≈18% monthly, boosting crypto and fiat turnovers to tens of millions
  2. FinchTrade now handles most of INXY’s transactions, surpassing major players as its top liquidity provider with better pricing and reliability
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FinchTrade has been instrumental in our growth. Their ability to provide deep liquidity and their flexibility in handling our specific needs have made them our go-to partner.

We’ve seen our transaction volumes soar since we integrated their solutions, and their reliability gives us the confidence to scale further.

Serge Kuznetsov, CPO & Co-founder @ INXY

Read INXY case study

Case study #2 — FinchTrade x Cryptix

The problem

Cryptix is a B2B provider of cryptocurrency payment services for merchants. The company faced:

  1. Limited centralised liquidity
  2. Poor customer support and high IT costs from maintaining multiple LP connections
  3. Suboptimal capital use
  4. High counterparty risk due to 100% pre-funding

The solution

  1. Aggregated liquidity and access to deep liquidity pools at better prices
  2. Dedicated account manager
  3. Non-custodial services with flexible settlements, reduced capital requirements (10-20% as collateral)
  4. Transparent pricing with no hidden fees
  5. Robust compliance with our advanced AML/KYC solution

Results

  1. Improved transaction speed and accuracy due to better liquidity and support
  2. A significant share of Cryptix transactions is now executed by FinchTrade, ensuring greater speed, stability, and predictability
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When selecting partners, we prioritize reliability, open communication, and mutual benefits. Ultimately, our decision led us to choose FinchTrade.

Kristina Melamed, CPO @ Cryptix

Read Cryptix case study

Build vs buy

How PSPs source crypto liquidity

Three common paths. The right choice depends on volume, compliance capacity, and how much capital you want tied up in prefunding.

FinchTrade
Direct CEX integration

Kraken, Binance, others

Building in-house
Regulatory counterparty
Swiss VASP, VQF-supervised
Many exchanges restricted by jurisdiction (e.g. Canadian MSBs)
You hold the licence
Settlement speed
~30 minutes
Hours to days, depends on exchange
You build it
Prefunding requirement
30% partial collateral
100% prefunding per venue
100% across every venue
Mass payout support
Native batch execution
Per-trade only
You build the orchestration
KYC/AML/KYT
Integrated on our side
Your responsibility
Your responsibility
Dedicated desk
Yes, named account manager
Support tickets
N/A
Onboarding time
1–5 days
Weeks per venue
6–18 months

FinchTrade

Regulatory counterparty

Swiss VASP, VQF-supervised

Settlement speed

~30 minutes

Prefunding requirement

30% partial collateral

Mass payout support

Native batch execution

KYC/AML/KYT

Integrated on our side

Dedicated desk

Yes, named account manager

Onboarding time

1–5 days

Direct CEX integration

Regulatory counterparty

Many exchanges restricted by jurisdiction (e.g. Canadian MSBs)

Settlement speed

Hours to days, depends on exchange

Prefunding requirement

100% prefunding per venue

Mass payout support

Per-trade only

KYC/AML/KYT

Your responsibility

Dedicated desk

Support tickets

Onboarding time

Weeks per venue

Building in-house

Regulatory counterparty

You hold the licence

Settlement speed

You build it

Prefunding requirement

100% across every venue

Mass payout support

You build the orchestration

KYC/AML/KYT

Your responsibility

Dedicated desk

N/A

Onboarding time

6–18 months

Most PSPs outgrow direct CEX integration within 12–18 months of scaling merchant volume — prefunding and orchestration costs compound fast.

How you trade

Three ways to execute

Start in the GUI. Scale to Telegram or API as volume grows.

Built for volume

REST API

Programmatic quotes, trades, and settlement.

  • Thousands of trades/day
  • Sub-second execution

First trades

Web GUI

Trade, report, and manage settlement — no code.

  • Live in 1–5 days
  • Full history & exports

Non-standard flows

Telegram bot

Desk-speed execution from your phone.

  • Cross-chain & block trades
  • 24/7 human desk

1-5 days

Average onboarding and
integration time

~30 minutes

Average settlement time with
predictable performance

24/7 support

Instant access via Telegram
and email. No ticketing queues

Full compliance

Swiss VASP under VQF supervision, certified to
ISO/IEC 27001 & ISO/IEC 27701

Swiss VASP under VQF supervision, ISO certified

100+ institutional clients run on FinchTrade

Onboard in 1–5 days. Start in the GUI — scale to API when volume grows.

Explore the product

More case studies swipe

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FinchTrade and JayBee Partner to Drive Innovation in RegTech IndustryNov 07 2024

FinchTrade and JayBee Partner to Drive Innovation in RegTech Industry

FinchTrade partnered with JayBee AG to tackle Swiss regulatory challenges. By outsourcing compliance functions and leveraging JayBee’s expertise, FinchTrade streamlined AML and KYC processes, accelerated client onboarding, and enhanced audit readiness, transforming compliance from a hurdle into a growth catalyst.

Intergiro and FinchTrade Partner to Bridge Fiat and Crypto Ecosystems with Embedded Banking and Instant Liquidity for Web 3.0Oct 10 2024

Intergiro and FinchTrade Partner to Bridge Fiat and Crypto Ecosystems with Embedded Banking and Instant Liquidity for Web 3.0

FinchTrade and Intergiro partner to bridge traditional banking with crypto, providing embedded banking and instant liquidity solutions for Web 3.0. This collaboration empowers crypto businesses with streamlined on/off-ramps, enhancing user experience and operational efficiency.

Case Study: INXY X FinchTradeAug 13 2024

Case Study: INXY X FinchTrade

INXY is a B2B company offering payment solutions, specializing in enabling merchants to accept crypto payments and manage mass payouts in cryptocurrency. They also provide fiat-to-fiat and crypto-to-crypto conversions. INXY serves Web2 companies in sectors like advertising, hosting, SaaS, and gaming, focusing on the efficient conversion of crypto into fiat currencies.

Case Study: Cryptix X FinchTradeJul 24 2024

Case Study: Cryptix X FinchTrade

Cryptix, a B2B company providing cryptocurrency payment services for merchants, that has been partner with FinchTrade since its launch. The partnership allowed Cryptix to reduce significantly IT costs, improve customer support, and enhance transaction speed and accuracy.

Case study: Coinsflow X FinchtradeJul 15 2024

Case study: Coinsflow X Finchtrade

Coinsflow, a payment and crypto wallet provider, partnered with FinchTrade in August 2023. The partnership allowed Coinsflow to reduce significantly IT costs, improve customer support, and enhance transaction speed and accuracy. Coinsflow now processes a monthly volume of several millions of euros offering a better service quality and great client satisfaction.

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Contact us

For more information, demo request or any conversation about the product and our work conditions:

sales@finchtrade.com

Our services are not available to retail clients residing in, or corporate clients registered or established in, the United Kingdom, the United States, the European Union, or other restricted jurisdictions. Access to this website does not constitute an offer or solicitation to provide services in these jurisdictions.

The obtained data is processed in accordance with our Privacy policy

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Geographical Service Restrictions

Our services are not available to retail clients residing in, or corporate clients registered or established in, the United Kingdom, the United States, the European Union, or other restricted jurisdictions. The information provided on this website is for informational purposes only and does not constitute a public offer, financial or investment advice, or marketing communication. FinchTrade group is not MiCAR compliant, nor FCA regulated, and nothing on this website should be construed as an offer to provide regulated services or financial instruments. Visitors are encouraged to seek independent legal, financial, or professional advice before making any decisions based on the information presented. FinchTrade group assumes no liability for any actions taken in reliance on the content of this website.