Coinmerce exchange profile

Coinmerce provides quoted crypto purchases, sales and swaps, with Coinmerce B.V. as the customer’s exchange counterparty.[10]

Its pricing method starts with aggregated market data, then incorporates executable liquidity-provider quotes and a risk adjustment. The displayed reference price is consequently an estimate rather than an order waiting on a customer-facing Coinmerce order book.[8]

Spot Margin requires a knowledge test. Its documented launch interface is mobile-only, allows one position per asset and has no customer stop-loss or automatic-close order. Voluntary closure is available while the market is operational; attempted risk notifications are not guaranteed.[15]

An open short cannot receive extra collateral, release collateral, change size or close partially. The customer can only close the whole position. This makes a fresh short a separate decision rather than a way to resize an existing one.[14]

Custody and Yield are mutually exclusive account types, although the app allows switching. Custody holds crypto through the foundation; Yield permits an eligible portion to be lent to the group’s Earn company. Both account types offer the same ordinary exchange fee. Yield availability therefore changes the legal use of assets, not just the label on a savings balance.[6]

Earn distributes rewards weekly in the corresponding crypto asset. Eligible assets and quoted APYs can change. The programme’s promised reward rate is a company obligation, and its ability to return lent principal remains subject to the separate guarantee conditions described below.[3]

The executable Exchange Offer is valid for two minutes. It combines a risk-adjusted price with the separate 0.25% exchange fee; accepting it fixes that offer for the transaction. The ordinary adjustment depends on the order and available liquidity-provider pricing. A 0.25% fee therefore does not establish a 0.25% total difference from a displayed market midpoint.[8]

The published €10,000 custody threshold does not clearly establish whether the 1% charge applies only to the excess or to the entire qualifying portfolio. The disclosure therefore supports the threshold and rate, without a reliable marginal-balance cost calculation.[7]

Borrowing periods begin at four-hour intervals from midnight CE(S)T. Opening within an interval incurs that interval’s full charge, even if the short closes soon afterwards. Changes to borrowing rates on existing positions require at least 48 hours’ prior notice.[4]

The ordinary order minimum is €10. Support can sometimes sell smaller non-promotional balances into euros, but very small positions may remain below executable size. Promotional dust has different restrictions and may require an additional purchase before it can be sold or withdrawn.[24]

The euro-deposit instructions require the verified same-name IBAN and the personal SEPA reference shown in the account. That reference allocates an incoming bank transfer to the correct customer. A EUR balance can then fund purchases; the payment-method fee and crypto trading fee are separate costs.[23]

Changing the linked IBAN requires another €0.01 verification payment from the customer’s bank account. The guide estimates minutes through iDEAL or one to three working days by bank transfer. A business bank account is not accepted as the linked account for a personal profile.[26]

For incoming crypto, select the supported asset and network and use the current deposit address, minimum and required identifier. XRP deposits, for example, require the displayed destination tag. The deposit guide links asset-specific status information; a coin being available to buy does not establish that deposits and withdrawals are enabled on every network.[28]

External addresses are added under Account → Orders → Added addresses. The approval process distinguishes hosted exchange wallets and self-custody wallets, requires the network, and can use a wallet connection or an unedited screenshot showing the full address. Ownership confirmation and a 2FA code precede review. Only an approved destination is available in the ordinary withdrawal flow.[18]

The final crypto-withdrawal preview gives the amount and fee and requests 2FA. Coinmerce says 95% of withdrawals process within an hour; this is an operator estimate rather than an assured deadline. A completed transfer’s transaction identifier appears in Order history for blockchain tracking.[29]

Transfer checks can require additional information for larger or flagged payments, including originator and beneficiary details for hosted wallets. The policy allows rejection, return or suspension and promises information about the reason and remedial steps. A blockchain confirmation requirement is distinct from the time taken to complete Coinmerce’s own security review.[37]

Stichting Coinmerce Vault separates safeguarded client balances from the operating company. Its documented wallet system uses deposit, sweep, main and cold wallets, with most Custody-account crypto offline and liquidity retained in hot wallets. MPC, multiple authorisations and internal access controls govern movements. Customers rely on the foundation’s records and custodial arrangements rather than receiving their own private keys.[5]

Yield changes that arrangement. Eligible crypto lent to Coinmerce Earn B.V. transfers legal title, leaving a claim for the same quantity and type of asset. The terms explicitly say this lending arrangement is not a separate staking service supplied to the customer. A withdrawal or switch to Custody ends the lending instruction without a fixed notice period, but redelivery can still be delayed.[3]

Spot Margin’s contractual loss limit applies to collateral allocated to the position and excludes a remaining trading shortfall. Section 9.4 nevertheless preserves fees or costs already due but not deducted. It should not be read as an unconditional waiver of every amount the customer might owe. Emergency liquidation can also occur without prior notice, beyond a simple price-ratio trigger.[4]

The dedicated 31 August guide blocks external crypto withdrawals for 24 hours after bank verification; deposits and trading remain available. An older general withdrawal guide starts its description at account opening, so the newer bank-verification rule is the relevant published timing for this profile.[31]

Authenticator access can be restored using the saved recovery key. Without that key, Support performs identity checks before resetting 2FA. The guide does not state a fixed post-reset withdrawal delay.[16]

Password recovery uses the registered email address; a signed-in customer can change the password in Security. That guide also does not establish a uniform withdrawal-release time following the change.[17]

The terms require adulthood, legal capacity, verification and acceptance of the account agreement. They prohibit US Persons as defined in the contract and restrict sanctions-linked access. A functioning website or an accepted travel login does not establish eligibility for a new resident of every country.[2]

The country guide lists supported jurisdictions and permitted identity-document types, including the Netherlands, Belgium, France, Spain, Poland, Switzerland and the UK. Accepted passports, national identity cards and driving licences vary by country. The list is a service-availability statement, not evidence that the same regulated product scope applies in each location.[32]

The app’s deletion guide requires a cleared balance and warns that deletion cannot be reversed. This is a separate action from simply ceasing to trade.[36]

Small residual balances can prevent ordinary closure. Support may convert eligible dust or arrange closure with unsellable remnants; choosing forfeiture abandons those remaining assets. Promotional balances are not covered by the same ordinary dust-sale assistance.[24]

The reviewed account documents did not establish an additional inactivity fee triggered by a specific period without login or trading. The published Custody subscription and balance-based charge are recurring account costs; they should not be presented as a dormant-account penalty.[6]

The dedicated contact guide describes staffed hours and warns that Support will not request passwords, device-verification codes, 2FA codes or remote-login software. It does not establish an emergency dealer authorised to close a short during an outage. Ordinary contact availability is therefore not an execution commitment.[34]

Complaints submitted through the form are referred to Support or Compliance. The inspected guide promises follow-up without a quantified final-response deadline. The published support route also provides a way to raise a problem if the customer cannot access the complaint form. A complaint submission is separate from a pending withdrawal or margin-close instruction.[27]

The 24 July terms contain an inconsistency: section 1.2 describes MiCA licensing, but section 1.3 still says Coinmerce is not AFM-supervised. The current register entry above establishes the authorisation; that legacy sentence should not be treated as a current supervisory finding.[2]

Earn is outside MiCA’s service scope, as the current platform footer states. The licence for custody and exchange should not be extended to the return promise or the group borrower’s solvency.[1]

Spot Margin similarly separates regulated exchange transactions from the lending and collateral arrangement, which its terms say is not itself a MiCA crypto-asset service. Service termination normally allows at least 48 hours where practicable, but exceptional circumstances can require immediate closure.[4]

Coinmerce’s homepage displayed more than 500,000 users and over 300 supported coins when inspected on 20 October 2026. These are company-reported customer and catalogue figures, not verified active traders or a measure of daily executed exchange volume.[1]

The group traces its operating history to 2017. Its company page distinguishes Coinmerce, the Quantfi market-making business, BLOX brokerage and Coinmerce Capital asset management. Group membership does not establish that every Coinmerce customer contracts with those other businesses or receives their services.[11]

The July 2026 Binance-migration guide remains relevant to customers whose 2023 transferred assets are not visible. Accounts created with a phone number rather than a verified email can need manual attribution. Support asks for the Binance transaction CSV covering 2023, the migration entry, Binance ID and account contact details. Another verified email may instead hold the assets. Repeated unsuccessful logins impose a one-hour retry delay; that is an access lock, not an asset forfeiture.[20]

Operator

Coinmerce B.V.

Exchange model

Centralised

Service scope

Quoted crypto exchange, euro access, foundation custody, optional Yield lending and isolated Spot Margin.

Client types

Retail clients

Pricing publication

Public pricing

Pricing scope

0.25% exchange fee plus quoted adjustment; Custody, Earn and Spot Margin have different additional costs.

Funding scope

EUR bank/payment methods and verified crypto addresses; initial bank-verification withdrawal hold.

Custody and asset handling

Foundation custody; eligible Yield assets instead lent to Coinmerce Earn B.V.

Client eligibility

Supported jurisdictions, identity/bank verification and product knowledge requirements; US Persons excluded.

Support

Live chat, weekday telephone, written support and a formal complaint form.

Authorisation and registration scope

Dutch MiCA authorisation for four listed services; Earn and the margin loan require separate scope treatment.

Exchange metadata checked 20 Oct 2026Source 2Source 8Source 6Source 7Source 1Source 31Source 34Source 32

The current security page describes app PIN and biometrics, 2FA, device verification and address whitelisting. These are access controls. The inspected material did not establish a public customer API with key-level trading/withdrawal permissions, or prove that every mobile function is available on the web. Spot Margin’s explicit app-only launch scope is the clearest documented device limit.[12]

The documented automation is customer-configured Trigger, Auto Invest and Auto-Sell. No native copy-trading relationship or portfolio-manager mandate was established. The inspected instructions do not fully describe how cancelling every recurring plan interacts with a pending execution, so a closed app or a logout should not be described as a documented cancellation instruction.[21][22]

The published February 2026 referral campaign is explicitly marked ended. Its €10 crypto reward was not withdrawable cash: the terms restricted direct sale, transfer and bank withdrawal and excluded ordinary Support dust conversion. It should not be presented as a current signup bonus or a freely withdrawable euro credit.[35]