TOP-10 applications for cryptocurrency payments

💡 Important note: feature availability, limits and fees depend on your country/verification and supported local payment rails. Before starting, check KYC/AML requirements and real tariffs in your region.

1) Binance Pay (and withdrawals through the exchange)

Better for: fast P2P transfers in the ecosystem, cheap networks (TRC20/SOL), massive personal conclusions.

Strengths: internal routing without online commissions between accounts, many networks and stables, developed off-ramp in a number of countries.

Note: hard CUS/limits; the rules for individual jurisdictions change.

2) Coinbase (Exchange + Commerce Payouts)

Better for: withdrawal to fiat in the USA/EU, B2C/B2B payments with a high compliance bar.

Strengths: reliable bank rails (ACH/SEPA/fast payments), clear checks and reporting.

Note: above commission in "peak" periods; not all networks for stables are available for output.

3) Kraken

Better for: Predictable fiat outputs (SEPA/ACH/SWIFT), accurate reporting and support.

Strengths: strong compliance, transparent commissions, good for large amounts.

Note: not so much "superapp" as a reliable gateway; less "cosmetic" options, more stability.

4) BitPay

Better for: merchant payments and crypto payments with cards/invoices, stablecoin posting.

Strengths: mature merchant infrastructure, maps, auto conversion.

Note: geo-restrictions on individual functions; Tariffs depend on sales volume.

5) CoinsPaid

Better for: iGaming/fintech projects with a large number of crypto payments and multi-currency.

Strengths: merchant payments, mass payments, many networks and tokens.

Note: B2B landmark; careful due diligence and adjustment of risk limits are important.

6) MoonPay

Better for: "one button" on/off-ramp for applications and sites, fast retail cashouts.

Strengths: card payments/bank transfers, good UX onboarding, SDK/widgets.

Note: final commissions depend on map/rail/country; read all-in beforehand.

7) Ramp

Better for: embedded on/off-ramp modules in Web3 products/mobile applications.

Strengths: strong KYC-UX, wide geography of local rails, good analytics.

Note: fares vary by region; refine limits on large payments.

8) Transak

Better for: Broad fiat/crypt support and flexible app connectivity.

Strengths: many local payment methods, stables in cheap networks, convenient quotas.

Note: the final course depends on the payment method; compare to spot.

9) OpenNode (BTC + Lightning)

Better for: instant BTC payments and mass BTC payments (including via Lightning).

Strengths: low fees/latency, split payments, transparent BTC economy.

Note: Works around BTC; stablecoins will require an outer layer.

10) Strike (Lightning/cross-border)

Better for: cheap cross-border transfers and "almost instant" payouts on top of Lightning.

Strengths: focus on international translations, friendly mobile experience.

Note: Regional support and functions vary by country; check availability in advance.

How to choose a solution for your task

If you are a private person (personal conclusions):

Start with a CEX superapp (Binance/Coinbase/Kraken) for onboarding and local bank rails.
For everyday payments - stablecoins in a cheap network (TRC20/SOL) and on/off-ramp with a fixed quota.

If you are a business (merchant/mass payout):

We need merchant logic and mass cashouts → BitPay/CoinsPaid.
We need embedded on/off-ramp widgets → MoonPay/Ramp/Transak.
Make a BTC/Lightning pool and want an instant network → OpenNode/Strike.
For strict reporting/regulation and large fiat sums, → Kraken/Coinbase as a fiat gateway.

What to look at when comparing (all-in criteria)

1. Networks and assets: USDT/USDC support, cheap networks (TRC20/SOL/L2), BTC Lightning.

2. Fiat rails: SEPA/ACH/FPS/SWIFT, local methods (depending on the country).

3. Quotas and course fixation: the ability to "lock" the quotation for 2-10 minutes.

4. Limits and KYC: thresholds per transaction/day/month, list of documents.

5. Fees and spread: count all-in = rate ± spread ± network − discounts − cashback.

6. Mass payouts: CSV/API/webhooks, schedules, role model (maker/checker).

7. Security: 2FA, address whitelists, multisig/devices, anti-phishing codes.

8. Support and reporting: SLA, statements, export for accounting/taxes.

Quick Route Templates

A) "Deshevo and fast" (retail):

Card/SEPA → purchase USDT-TRC20 → transfer to the service/wallet → off-ramp to local currency with a fixed quota → a bank account.

B) "Large amount, minimum surprises":

High liquidity exchange → UTS/fix quota → 1-2 tranches → fiat withdrawal via local rails (SEPA/ACH/SWIFT).

C) "Lightning in BTC":

Buying BTC → Lightning through OpenNode/Strike → instant payout → conversion to stable/fiat if necessary.

Checklist before connection

Supports required networks/stables (TRC20/SOL/L2 USDT/USDC).
Limits and KYC/AML procedures (list of documents) are clear.
There is quotation fixing and transparent commissions (spread visible).
Security and roles are configured: 2FA, whitelists, access control.
Tested test payouts and mass scenarios (CSV/API).
Accounting is established: check upload, transaction log, reconciliation with the bank.

Frequent mistakes

Chase "0% commission." The spread and rate are often more expensive than zero. Count all-in.

Select a network that the provider/recipient does not accept. Always check the network/tags, make a test translation.

Keep the bank on the stock exchange "for everyone." Exchange - gateway, storage - in your wallet.

Ignore local rules. Taxes, limits, reporting - prepare in advance.

There is no universal "best" application for cryptocurrency payments - there is the best for your task and jurisdiction.

For everyday cashouts, CEX superapps and on/off-ramp widgets are suitable; for merchants and iGaming - payment providers with mass payments; for speed - Lightning. Check networks, count all-in, fix quotes, keep security and reporting - and your payments will be fast, predictable and law-abiding.