A transparent crypto on-ramp

Buy crypto.
Skip the hidden fees.

SEPA transfer or card. EUR to crypto, delivered to your own wallet. No surprises, no padded spreads — just the rate you see.

See how it works
Licensed via Flowa Pay Inc.·114+ users·Crypto delivered straight to your wallet
Live preview
You pay
€500EUR
You receive
536.74
USD
USDC
1 USDC ≈ €0.92
USDC+2.82%
USDT+1.19%
BTC-3.83%
ETH+1.38%
BTCBTC€62,000.00▼ -3.83%
ETHETH€3,200.00▲ +1.38%
USDUSDT€0.92▲ +1.19%
USDUSDC€0.92▲ +2.82%
SOLSOL€145.00▲ +2.14%
XRPXRP€0.55▲ +2.86%
ADAADA€0.42▼ -3.20%
DOGDOGE€0.12▼ -1.91%
MATMATIC€0.65▲ +2.35%
DOTDOT€6.50▼ -0.49%
BTCBTC€62,000.00▼ -3.83%
ETHETH€3,200.00▲ +1.38%
USDUSDT€0.92▲ +1.19%
USDUSDC€0.92▲ +2.82%
SOLSOL€145.00▲ +2.14%
XRPXRP€0.55▲ +2.86%
ADAADA€0.42▼ -3.20%
DOGDOGE€0.12▼ -1.91%
MATMATIC€0.65▲ +2.35%
DOTDOT€6.50▼ -0.49%
How it works

Three steps. Crypto delivered to your wallet.

Most orders complete within a few hours. Larger orders or first-time customers may need extra verification — we'll keep you updated by email.

1

Pick your crypto

Choose from 10+ assets. Enter the EUR amount you want to spend, pick the receiving network, and paste your wallet address — we never hold custody.

2

Verify & pay via our partner

We send you to XGate — our regulated payment partner — to verify your identity (one time) and get your unique deposit instructions. Send your SEPA transfer using the details they show you, then return here.

3

We deliver to your wallet

Once your payment lands, we send the crypto to the address you gave us. Most orders complete within a few hours; larger orders may need extra verification. You'll get an on-chain transaction id when it's sent.

Why am I being sent to another site?

XGate is the regulated EMI we use to handle your SEPA payment and identity verification. Sending you to them keeps your bank details out of our hands and meets EU EMI regulations. You'll come straight back to us once XGate confirms the payment, and we'll handle the crypto delivery from there.

Assets

10+ assets available

Live prices from CoinGecko. Updated every 10 seconds.

Why Xchangely

Built for honest pricing.

Transparent fees

Full fee breakdown before you confirm. No hidden spread. No surprises.

Honest timing

SEPA transfers usually settle in 1–2 banking hours; cards are instant. Larger orders may need extra verification — we'll tell you upfront.

Self-custody

Crypto goes straight to your wallet. We never hold customer assets.

Regulated

Operated by Flowa Pay Inc. — a Canadian FINTRAC-registered MSB. Identity verification, sanctions screening, and ongoing transaction monitoring.

Xchangely Pay · for businesses

Accept any card.
Settle in stablecoin.

We turn your customer's card payment into USDC or USDT in your wallet — within minutes. No reconciliation, no FX risk, no chargeback liability. Built for B2B.

01
Send a payment link
Generate a one-click checkout link from your dashboard or via REST API. Embed it in invoices, emails, or your storefront.
02
Customer pays with card
They tap Apple Pay, Google Pay, or any Visa/Mastercard. PCI-DSS Level 1 checkout. KYC handled for you.
03
You receive USDC/USDT
Funds settle to your wallet automatically. Webhooks confirm in real time. Reporting and reconciliation included.
PCI-DSS Level 1 partner
EU-licensed operator
Instant settlement
Cards · iDEAL · Bancontact · Apple Pay
FAQ

Frequently asked questions

Most SEPA transfers settle within 1–2 hours during banking hours. Outside that window, the funds usually arrive the next business morning. As soon as we see the credit, your crypto is sent to your wallet automatically.

Ready to buy crypto the honest way?

No accounts to fund. No locked balances. Just SEPA or card to your wallet.