Pick a coin (BTC, ETH or USDT), enter an amount in EUR, CAD or GBP, paste your wallet address and confirm payment via Open Banking or card. On-chain settlement is typically under 3 minutes for USDT/ETH and 10 minutes for BTC.

The full EU (all 27 member states), the UK and Canada — plus selected EEA jurisdictions. We operate under FCA registration in the UK and FINTRAC registration in Canada, and we partner with EU e-money institutions for SEPA Instant settlement.

The moment you confirm an order, the displayed rate is held for 15 minutes regardless of market movement. If your bank or Open Banking flow takes a bit longer, you still get the rate you agreed to. If 15 minutes pass before payment settles, you can re-quote at the new rate, no obligation.

Before sending crypto to your wallet, we query the Chainalysis on-chain Sanctions Oracle (contract 0x40C5…c8fb on Ethereum mainnet — the same compliance feed used by Uniswap, Aave and Circle) to confirm the destination is not on the OFAC SDN list. Clean addresses go through instantly. Sanctioned addresses are refused politely, with a suggestion to use a different wallet — protecting both you and the next exchange you use. No personal data is sent on-chain; only the address you typed is screened.

There are no points or stamp cards. Your lifetime purchase volume automatically moves you to a lower fee tier — from 1.20% down to 0.50% (and bespoke pricing for Private). Discounts apply on every future order, forever.

Sign up, get a tracking link, and earn up to 40% of the commission we collect from any customer you refer — for the lifetime of their account. Payouts every Friday via SEPA, Interac or USDT. Real-time dashboard, no minimums beyond the standard €25 payout threshold.

Two-factor authentication via Telegram OTP or Google Authenticator (TOTP). Every withdrawal, every new login, every new destination wallet triggers a confirmation. New-destination withdrawals also get a 60-second cool-off so you can cancel if it looks wrong.

No. FotifyPay is non-custodial on the buy side — your crypto goes directly to the wallet address you provide. We do not have an "exchange balance" to hack or freeze. You keep your seed phrase, we keep your fiat off our hands as fast as possible.

For small purchases, a card or Open Banking authentication is enough. For larger amounts we ask for a government ID — a standard regulatory requirement in the EU, UK and Canada. Verification is done online in minutes.

Yes — write to partners@fotifypay.com. We are actively onboarding local APMs (especially in Nordics, DACH, Iberia and Eastern Canada) to give your method front-row placement at our checkout and a revenue share on every order routed through it.

Sandbox keys land in your inbox the same day we sign an NDA. A bare-bones buy flow — quote, KYC handoff, payment, on-chain settlement — typically reaches production in two to three engineering days. White-label and registry-driven setups sit at the four-to-six-week mark, including compliance diligence and a shared change-window.

REST: quote, order, status, payout, settlement statement. Idempotency keys on every write, signed webhooks for state changes, ISO-8601 timestamps, JSON payloads. No XML, no polling-only flows. The reference, schemas and sandbox examples live behind a partner login — we provision access on the first call.

MiCA CASP for the EU, FCA-MLR registration for the UK, FINTRAC MSB registration in Canada. We carry the regulatory weight; your integration sits on top of it. Audit packs, AML/CFT policies and proof-of-licence certificates are available under NDA for procurement and risk teams.

Same business day for SEPA Instant and UK Faster Payments, next business day for Interac and standard SEPA. We settle net (your routed volume minus the agreed fee) to the IBAN nominated during onboarding. Daily statements are pushed by webhook and SFTP, with a monthly reconciled invoice for accounting.

We do. Every user passes our flow — document scan, liveness check, sanctions and PEP screening — under the licence that covers their jurisdiction. You receive a verified-customer reference token to use in your own systems; you never have to store or process the underlying PII, which keeps your scope and your insurance line tight.

We collect and exchange originator/beneficiary data for every transfer above the EUR 1,000 threshold with the receiving VASP through industry-standard rails (IVMS-101 payloads, TRP-compatible). It is part of our rail, not a partner integration task. The same applies for the FCA crypto Travel Rule in the UK and the FINTRAC equivalent in Canada.

Destinations are screened against the Chainalysis on-chain Sanctions Oracle before we quote — the same feed used by Uniswap, Aave and Circle. Hits are refused at quote time, not after the customer has paid, so there is no stuck-funds workflow. High-risk-but-not-sanctioned addresses are flagged for manual review against your partner risk policy.

Three. (1) Affiliate — tracked link, up to 40% lifetime revenue share. (2) APM partner — your local payment method placed front-of-checkout, co-branded UI, settlement netting. (3) Financial institution — referral or full white-label, contractual SLA, BaaS-style hooks for neobanks and EMIs. The economics differ per track; we share the full pricing model on the first call.

Two layers. (a) The end-customer fee starts at 1.20% and steps down with lifetime volume — the same loyalty curve we show on the consumer site. (b) Partner economics are negotiated per track: revenue share for affiliates, settlement netting for APMs, all-in basis points for institutions. No setup fees on the affiliate track; institutional integrations carry a one-off due-diligence fee that is refunded once volume thresholds are met.

Card processing is delivered through PaynetEasy — Level-1 PCI-DSS, direct Visa and Mastercard relationships, 3-D Secure 2 across EU, UK and Canadian BINs. Chargebacks and dispute workflows are handled end-to-end by the PNE team. You never touch a PAN; tokens never touch us. The same gateway runs mission-critical merchant traffic since 2005, so the rail is battle-tested before it sees a crypto order.