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Xcoins

CF Technologies Ltd · Malta
Key points
Official sourceUnclaimedMiCA-licensed · Malta
🌐 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
🇲🇹 Malta
Founding date
2016
Team size
11-49

Regulation

Regulatory licences
MiCA licence, notified on 27/06/2026
Licensing authority
Malta Financial Services Authority (MFSA)
Registered services
  • Custody
  • Transfer of crypto-assets
  • Crypto/crypto exchange
  • Crypto/fiat exchange
Register consulted
Consult the register →

Xcoins is a Maltese crypto broker aimed at individuals wishing to buy or sell a narrow selection of crypto-assets. The service accepts several payment methods, including card and SEPA transfer, and then delivers the assets directly to the client's personal wallet. The service is geared towards one-off purchases, with no advanced trading environment or full on-platform custody.

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: 13

See the list

Detailed list of cryptos available for purchase: coming soon.

Accessibility

As a broker, Xcoins 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 across the whole European Economic Area. Available in Albania, Andorra, Gibraltar, Guernsey, Jersey, Isle of Man, Åland Islands, Faroe Islands, North Macedonia, Moldova, Monaco, Montenegro, San Marino, Serbia, Switzerland, Türkiye, Ukraine, Vatican City.

03How much it costs

Deposit
SEPA transfer0 %
Card3,9 %
Trading
6 %
spread not quantifiable
Varies from 4 % to 6 % depending on the transaction, not on volume
Holding

No known holding fees

Exit

not disclosed

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

Xcoins: fees specific to buying crypto are generally around 4 to 6 % of the amount. There is no single stable rate; the exact fees are displayed before confirmation. Card payment: processing surcharge of 3,9 % on top of the 4–6 %. For SEPA in Europe, processing is 0 %, but Xcoins fees of 4–6 % and the network fee still apply.

Fee source: https://xcoins.com/en/frequently-asked-questions/ · verified on 26/08/2026
Simulate your own scenario (amount, duration, purchase method) with the fee simulator. Simulate your case →

04Security & custody

Asset custody not disclosed by the platform.

05What to know before you start

Non-custodial retail provider: direct account opening, buying/selling of BTC, BCH, ETH, LTC, XRP, DOGE, SOL, BNB, ADA, FTN, TRX, SHIB and USDC, then delivery to the client's wallet.

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

06Frequently asked questions

Is Xcoins licensed under MiCA?

Yes. CF Technologies Ltd is licensed as a crypto-asset service provider (CASP) under the MiCA regulation. Competent authority: Malta Financial Services Authority (MFSA), Malta. Notification to the ESMA register: 27/06/2026. 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 Xcoins?

For €100 of bitcoin bought by SEPA transfer, the total cost is 6 €, spread included and network fees excluded (Uncrypt €100 index). The platform states that a variable spread is added to this cost, without publishing its amount. Fees checked on 26/08/2026 against the official fee schedule.

How many cryptos can you buy on Xcoins?

13 crypto-assets are available on Xcoins.

Can you withdraw your crypto from Xcoins to your own wallet?

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

Can you stake crypto on Xcoins?

No, Xcoins does not offer staking.

Can you schedule recurring purchases (DCA) on Xcoins?

No, Xcoins does not offer scheduled recurring purchases (DCA).