Finst exchange profile: execution, euro funding, custody and Anycoin continuity

Finst is a Dutch platform for buying, selling and holding crypto, with 400-plus advertised assets. Its published company metrics show over 120,000 registered users, €6 billion of trading volume and 11 million executed trades. The page does not attach a reporting period to those totals: they are company scale indicators, rather than daily turnover or a count of currently active traders.[1]

Finst’s execution policy describes routing orders to trading venues, liquidity providers or another crypto-asset service provider. The user therefore buys through Finst’s execution service; the policy does not establish a standalone Finst matching book. It gives price and execution likelihood particular weight, alongside fees, speed and settlement. Limit or stop instructions can remain in Finst’s systems until routing conditions are met, so an instruction need not obtain queue priority at an external venue immediately.[2]

A standing Auto Invest plan draws on the EUR balance. Insufficient funds cause a scheduled purchase to be skipped; the customer can fund the balance and trigger a purchase manually. Plans can be edited, paused or cancelled without a cancellation fee. Optional automatic withdrawal sends purchased crypto to a personal wallet. That setting adds an external transfer after each purchase, so its separate withdrawal charge matters particularly for frequent small investments.[6]

The retail help article dated December 2023 still states that API trading is unavailable. The current institutional page, however, offers an integration API for trading and custody. These statements describe different customer routes: institutional availability does not establish open retail API access. Public material reviewed did not establish retail key permissions, rate limits or withdrawal rights.[37][7]

The live HTML fee schedule is dated 23 July 2026. Its linked PDF is dated 24 February 2026; the principal spot and funding rates agree, but the documents are not the same edition. Finst’s no-added-spread statement concerns its markup: market bid/ask differences and execution slippage can still affect the price paid.[8][9]

For a €1,000 purchase, a 0.15% trading charge is €1.50. Selling a separate €1,000 of crypto costs another €1.50: €3.00 of explicit trading fees in this unchanged-notional illustration, before market-price movement or an external transfer. The PDF rounds charges upward to the nearest cent. A €5,000 Bundle maintained at that value for a month implies €5.00 of management fees; actual daily valuations alter the result.[9]

Displayed staking APYs are already net of Finst’s commission and third-party validator costs, so subtracting the percentage again would understate the advertised net yield. The commission is a share of earned rewards, not that percentage of the staked principal. For example, a 30% commission on €100-equivalent gross rewards is €30, leaving €70 before any separately applicable validator cost; this arithmetic does not predict a return.[11]

Retail cash deposits are EUR-only. Sending another currency can lead to conversion or return costs imposed by the banks; the deposit guide does not establish a retail multicurrency cash wallet.[14]

The institutional page separately markets multiple fiat currencies, so its broader wording should not be applied to an ordinary personal account.[7]

A significant current restriction applies to external crypto transfers. The supported-networks article, updated 30 September 2026, retains the suspension of deposits from, and withdrawals to, hosted wallets at other exchanges, effective 30 December 2024 until further notice. Transfers involving self-hosted wallets remain available. This specific notice qualifies the more general references to exchange wallets in introductory instructions. Tradable coins also outnumber transferable coins: check the asset’s supported network in the transfer screen before moving it.[18]

Country-specific payment availability matters as well as the fee: Finst lists SEPA across its supported residence markets, iDEAL-Wero in the Netherlands and Bancontact in Belgium. These local rails should not be presented as available to every European account.[40]

Client assets are held through Stichting Finst Custody, a separate foundation, with omnibus crypto wallets and individual entitlements recorded in Finst’s internal ledger. The custody policy describes daily reconciliation and separation from Finst’s own assets. Customers do not receive the private keys. Fireblocks supplies wallet-security technology; the policy does not equate that technology role with owning the customer assets. It also permits authorised subcustodians under Finst’s selection and oversight.[21]

The security page identifies bunq and ING as banks used for client money and says those balances are separated from Finst’s balance sheet. This describes the published cash-handling structure; it is not evidence that every crypto balance is an insured bank deposit.[22]

The reserve report discusses bank and wallet evidence, accounting, segregation and holdings for the assets then supported. Its conclusion refers to coverage at that historical inspection. It does not publish a live customer-liability dashboard or establish that the same balances persist today. Keeping the inspection date alongside the claim prevents a continuing website link from being mistaken for a new audit.[24]

Staking is client-enabled on-chain participation rather than an advertised lending account. Rewards are calculated daily, paid on Mondays in the relevant crypto and restaked. Finst markets flexible access without ordinary lockups but reserves exceptions for extraordinary market circumstances. Rates change. Its reference to slashing insurance does not disclose a verified policy limit, beneficiary or full exclusions in the reviewed material; it should not be expanded into blanket protection of a staking balance.[10]

Account security uses paired devices and two-factor controls. New-device verification uses email and SMS; a paired mobile app supports PIN or biometric access, while web login can use a QR approval or the trusted telephone route. Device pairing reduces an unauthorised-login path but does not remove ownership checks, address delays or compliance controls on withdrawals.[25]

The named residence list covers the 27 EU member states and Switzerland. It does not establish access for every EEA country, the United Kingdom or the United States. This named list is more precise than broader marketing references to European reach, and acceptance still depends on the customer’s own details.[26]

Identity, residence, funding eligibility and product availability are distinct checks. A customer can meet the basic age and residency conditions yet still need to resolve an identification or source-of-funds request before a transfer is released. The reviewed public help does not provide one guaranteed acceptance time or a universal per-customer maximum balance.[28][23]

Finst directs customers to ordinary support first. Its formal complaint procedure is free, accepts Dutch, English, French, German, Spanish and Portuguese, and describes review by an internal complaints officer. It aims to acknowledge within two weeks and respond within eight weeks of submission. The help wording frames a formal complaint around alleged financial loss; the general support route remains relevant to other service problems. No external compensation scheme should be inferred from the internal escalation process.[30]

Exceptional volatility, infrastructure failures or venue disruption can lead Finst to pause placement or execution under its execution policy. The published telephone number is not evidence of a guaranteed emergency dealing desk. A support contact therefore should not be assumed to cancel an order, prevent a market loss or execute an unavailable transaction.[2]

Authorisation concerns the named provider and the services recorded for it. It does not turn every listed token into an approved investment, fix market prices or remove contractual execution and custody conditions. This profile records the independently observed scope while keeping the separate staking disclosure visible.[31]

Finst’s November 2024 announcement describes acquiring strategic Anycoin Direct assets and offering eligible customers a free transfer without repeating identification. The stated potential combined reach of up to 500,000 users was a transaction-era addressable figure, not proof that all accounts moved or were actively trading. An Anycoin history can therefore be relevant to the current Finst account relationship. Historical transfer incentives should not be carried forward as current account benefits.[33]

A June 2026 BOTS Capital announcement similarly offered eligible BOTS customers an optional transfer route to Finst. The cited potential audience of up to 100,000 does not measure completed migrations. In January 2026 Finst separately announced an €8 million Series A led by Endeit Capital, bringing stated total funding to €15 million. Those are company financing disclosures, not evidence of customer-asset insurance or audited present profitability.[34][35]

A customer can terminate in writing, including email, after settling the account and closing positions. The agreement allows remaining assets to be sold and charges settled; uneconomic residual dust may be appropriated. Finst ordinarily gives one calendar month’s notice for its own termination, with immediate-termination exceptions. Dutch law and Amsterdam courts are specified, subject to mandatory consumer protections, including applicable home-court rights. The absence of an inactivity fee does not prevent contractual restriction or closure.[32]

Operator

Finst B.V.

Exchange model

Centralised

Service scope

Routed spot execution, Bundles, recurring investment and staking.

Client types

Retail clients; Professional clients; Institutional clients

Pricing publication

Public and quoted pricing

Other names

Finst B.V.

Headquarters

Amsterdam, Netherlands

Pricing scope

Public retail tariff; some exceptional services priced on request.

Funding scope

Retail EUR funding; supported crypto transfers to verified self-hosted wallets.

Custody and asset handling

Omnibus custody through Stichting Finst Custody.

Client eligibility

Published individual-residence list: EU member states and Switzerland; onboarding checks apply.

Support

Weekday chat, email and telephone; formal complaints procedure.

Authorisation and registration scope

French AMF entry corroborates Dutch AFM authorisation and passported service scope; staking has separate treatment.

Exchange metadata checked 20 Oct 2026Source 1Source 2Source 7Source 8Source 17Source 21Source 26Source 29Source 31

Transaction history can be downloaded as an Excel file by choosing a date range in Activity and using Export. The help article updated July 2026 specifies desktop access for this function. A transaction export is an input to recordkeeping and tax calculations; the guide does not establish automatic filing of a customer’s tax return or a complete tax treatment for staking and external transfers.[36]

Automated purchases and monthly Bundle rebalancing execute the customer’s chosen instructions; the reviewed service material does not establish a human-trader copying service, discretionary portfolio mandate or AI authority to trade the account.[5][6]