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Kvarn X

Kvarn Capital Oy · Finland
Key points
Official sourceUnclaimedMiCA-licensed · Finland
🌐 Website
Summary
01OverviewRegulatory status: MiCA-licensed or not, since when→02Services & AccessibilityWhat the app actually offers, as badges→03How much it costsTransfer, card, spread and withdrawal, in euros→04Security & custodyWhere your funds are, what recourse you have→05What to know before you startSpecifics, anomalies and affiliation→06Frequently asked questionsAnswers drawn from our verified data→

01Overview

The company

Headquarters
🇪🇺 Finland
Team size
1-10

Regulation

Regulatory licences
MiCA licence, notified on 02/12/2025
Licensing authority
Finanssivalvonta (FIN-FSA)
Registered services
  • Custody
  • Order execution
  • Reception and transmission of orders
  • Transfer of crypto-assets
Register consulted
Consult the register → · verified on 23/08/2026

Kvarn X is a Finnish crypto-asset investment platform for individuals and professionals. It offers several hundred cryptos, a mobile app, buying and selling, custody, withdrawals to an external wallet and scheduled investments. The Kvarn group also develops traditional investment services via a separate entity, placing Kvarn X within a broader financial ecosystem.

02Services & Accessibility

Concrete product features, distinct from the legal scope of the licence (block 01).

Simple purchase (Simple-Buy)Integrated walletStakingCrypto cardP2P marketFuturesOptionsMargin tradingFrench-language supportInstant verification (KYC)

Available cryptos: 400

See the list

Detailed list of cryptos available for purchase: coming soon.

Accessibility

As a broker, Kvarn X suits some use cases more than others.

Minimum deposit: not disclosedMobile appWithdrawal to personal wallet possibleAutomatic DCADedicated pro interface: not disclosed

Withdrawal to a personal wallet possible.

Available in Finland, Sweden, Norway, Denmark.

03How much it costs

Deposit
SEPA transfer0 %
Trading
0,8 %
published spread
Tapering from 0,8 % (base) to 0,1 % (best tier)
Holding

No known holding fees

Exit

not disclosed

Blockchain network fees always excluded (identical for everyone, not set by the platform).

Kvarn X: crypto commission decreasing with the volume of the last 90 days: 0,80 % up to 10 000 €; 0,60 % from 10 001 to 100 000 €; 0,40 % from 100 001 to 500 000 €; 0,30 % up to 5 M€; 0,20 % from 5 to 20 M€; 0,10 % above. Minimum commission: 1 € per order. Monthly Saving/DCA uses the same trading engine: the 0,10–0,80 % range applies. The 0,80 % is not a bank transfer fee: fiat deposits, account keeping and custody are 0 €. A spread may also be included in the price where applicable, with no fixed public rate.

Fee source: https://www.kvarnx.com/en/pricing · verified on 26/08/2026
Simulate your own scenario (amount, duration, purchase method) with the fee simulator. Simulate your case →

04Security & custody

Kvarn Capital Oy/Ltd provides integrated MiCA custody. The custody policy states that client crypto-assets are held on addresses segregated from Kvarn's own assets, with an individual register and real-time reconciliations.

05What to know before you start

Retail and professional provider: more than 400 cryptos, free account, mobile app, DCA (daily/weekly/monthly depending on the conditions), crypto deposits, custody and withdrawals to a self-hosted wallet. The Kvarn X brand brings together Kvarn Capital (CASP + payment institution) and Kvarn Investment Services (shares/ETFs).

Compensation transparency: affiliate partnership with Kvarn X: À l'étude. A partnership has no influence on ranking or the default sort order (see Methodology).

06Frequently asked questions

Is Kvarn X licensed under MiCA?

Yes. Kvarn Capital Oy is licensed as a crypto-asset service provider (CASP) under the MiCA regulation. Competent authority: Finanssivalvonta (FIN-FSA), Finland. Notification to the ESMA register: 02/12/2025. A MiCA licence works as a passport: it allows the provider to operate across the entire European Union.

How much does it cost to buy bitcoin on Kvarn X?

For €100 of bitcoin bought by SEPA transfer, the total cost is 0,8 €, spread included and network fees excluded (Uncrypt €100 index). Fees checked on 26/08/2026 against the official fee schedule.

How many cryptos can you buy on Kvarn X?

400 crypto-assets are available on Kvarn X.

Can you withdraw your crypto from Kvarn X to your own wallet?

Yes, Kvarn X lets you withdraw your crypto-assets to a personal wallet.

Can you stake crypto on Kvarn X?

No, Kvarn X does not offer staking.

Can you schedule recurring purchases (DCA) on Kvarn X?

Yes, Kvarn X lets you schedule recurring purchases (DCA).