01
Customer pays in crypto
Share a payment link, add checkout to your store, or show a QR at the counter. They pay from any supported wallet.
Crypto payment infrastructureVilnius · EEA
Crypto at checkout.
Euros in your account.
Koin lets Baltic merchants accept Bitcoin, Ethereum and stablecoins, then settle each sale to their bank account in EUR.
1.5% per successful paymentNext-business-day EUR settlement
Settlement preview · 04821
LiveYou charge
€500.00
€50—€5,000
- Customer pays in
- USDC
- Koin fee · 1.5%
- −€7.50
- Lands in your bank
- €492.50
Next business daySEPA · EUR
Wallet to IBANSettled
At €500.00, the Koin fee is €7.50 and you receive €492.50 in euros.
Pay with
BBitcoinEEthereumUUSDCUUSDTThe settlement flow
From a wallet to your bank, without a side spreadsheet.
The customer pays the way they already do. You get one euro amount, one settlement, and a record that matches your order.
02
We price it in euros
The euro amount is locked when the transaction is confirmed. Your invoice, order and payout all use the same figure.
03
EUR reaches your IBAN
Sales batch into one SEPA transfer on the next business day. One reference, one bank line, one clean ledger.
Customer
Pays 268.00 USDC
Koin
Locks €249.27
Your bank
Receives EUR
One product, three jobs
Built around the work after the sale.
Crypto is only useful if it fits the way you already bill, reconcile and pay tax. Koin keeps those pieces together.
Checkout
A pay button your developer can ship today
Hosted checkout, payment links and QR codes share one API. No wallet infrastructure to build or seed phrases to look after.
Invoicing
Send a euro invoice. Let them choose the coin.
The customer sees the amount in euros and pays in the asset they hold. Koin records the wallet transaction beside the invoice.
Reconciliation
Every payout arrives with its paper trail
Export a payment-by-payment ledger with the crypto amount, locked EUR value, fee and settlement reference.
Developer surface
One API. EUR out.
Create a payment, receive a signed webhook, and read a payout object that is already priced in euros.
payment.create200 OK · 184ms
{
"amount_eur": 249.27,
"accepted_assets": ["USDC", "BTC"],
"customer_pays": {
"asset": "USDC",
"amount": "268.00"
},
"payout": {
"currency": "EUR",
"iban": "LT•• •••• •••• 4418",
"expected": "2026-10-26"
}
}The merchant ledger
One place to answer finance.
Every payment keeps its crypto amount, locked euro value and settlement reference. Export the rows your accountant asks for.
See pricing before you startPayments
Example ledger · October 2026
| Time | Order | Customer paid | EUR value | Status |
|---|---|---|---|---|
| 14:32 | Order 1048 | 268.00 USDC | €249.27 | Settled |
| 11:08 | Order 1047 | 0.00418 BTC | €312.90 | Settled |
| 18:41 | Order 1046 | 0.0820 ETH | €221.46 | Pending |
Swipe sideways to see every column.
Next payout · 26 October€562.17
Pricing
1.5%
Per successful payment. No monthly fee, no setup fee, nothing charged when a payment fails.
Get a merchant accountEvery account includes
- Hosted checkout and payment links
- EUR settlement to a SEPA account
- Payment-by-payment reconciliation
- Commerce API and signed webhooks
The rate and capabilities shown are the launch proposal for this page. Commercial terms and final availability are confirmed during merchant onboarding.
The sample rate on this page is 1.5% per successful payment, with no monthly fee, setup fee or failed-payment fee. Final commercial terms are confirmed when your merchant account is opened.
Merchant accounts · Vilnius
Put your crypto sales on the same balance sheet.
Tell us what you sell and where you bank. We will walk through your checkout, settlement and reporting.
Book a merchant walkthroughUsually a 20-minute call