Built on Stellar

How COINQVEST's payments solutions empower merchants to globalize their business with Stellar

use case
Cross-Currency Payment Processing, Corporate Payments



COINQVEST is an all-in-one enterprise payment platform built on Stellar, offering programmable cross-blockchain settlement for merchants. Thanks to COINQVEST’s well-documented and developer-friendly API, merchants can conduct transactions on the Stellar network, which are recorded to its ledger, routed through the COINQVEST platform, and paid out in the merchant’s fiat or cryptocurrency of choice.

COINQVEST has been a long-time member of the Stellar ecosystem, most recently being awarded a grant through the Stellar Community Fund.


As business becomes increasingly globalized and omnichannel, merchants want to conduct fast, affordable, and scalable transactions in multiple currencies, including cryptocurrency. However, since regulations surrounding the usage of cryptocurrency vary country-by-country, merchants find it difficult to understand how to keep their businesses compliant while serving a global audience.

“Low fees, the transaction speed, and the ability to interoperate with anchors were the main reasons why Stellar was our top choice. We needed a blockchain that gave us the confidence to be able to scale our digital payments business in the long haul and here we found it.”
Stefan Schneider
Co-founder · COINQVEST


After hearing how merchants were becoming increasingly receptive to cryptocurrency, COINQVEST set out to build an all-in-one platform where merchants can accept payments in both crypto and fiat. Their goal is to allow online merchants to accept digital currencies from their customers and directly settle these payments in the fiat currency of their choice, including the US Dollar, Euro, Brazilian Real, Argentinian Peso, and more.

When considering what blockchain would best support their robust solution and facilitate transactions at high speeds and low costs, COINQVEST ultimately decided to build on Stellar.


  • Aware that merchants worldwide would want to use their product, COINQVEST prioritized developing on a blockchain that could support transacting in multiple fiat and digital currencies.
  • On Stellar, financial institutions can issue assets that represent any form of value and establish ramps that allow value to move on and off the network. These institutions are called anchors.
  • By integrating with multiple Stellar anchors, COINQVEST can now easily facilitate intra- and cross-border transactions in the merchant’s pre-selected currency.

Low Fees and Speed

  • For merchants who want to scale their businesses, transaction fees on traditional payment systems can grow prohibitively expensive. As transactions scale and settle on Stellar, the fee remains extremely low – less than a fraction of a cent. 
  • Since settlement time is so quick on Stellar, COINQVEST is able to guarantee that a conversion from a price-volatile currency – such as crypto – will pay out to the amount of fiat that merchants expect.

Ease of Use

  • COINQVEST emphasizes user-friendliness, providing comprehensive software developer kits (SDKs), code examples in several programming languages, API documentation, and shopping cart plugins. Once the REST API or plugin is fully integrated with their checkout page, merchants can instantly take advantage of Stellar’s payment rails to accept crypto and fiat. 


  • The Stellar network reaches consensus and updates the ledger with the latest set of transactions every few seconds. This data is then routed to COINQVEST’s platform, ensuring an accurate and up-to-date transaction history that merchants can reliably consult to keep track of payments.


merchants onboarded
growth in total payment volume (Q42020 to Q12021)
increase in total transactions (Q12021 to Q22021)

To be the go-to payments solution for merchants, COINQVEST has built additional features on its platform on top of the transaction settlement and real-time conversion services it offers. Right now, the platform includes analytics and tax-keeping data so businesses can stay compliant. To stay organized, COINQVEST also has automated invoicing and financial reporting features, balance sheet tracking, and account statements. 

As more merchants demonstrate interest in using the platform for purposes other than customer payments, COINQVEST has also begun to explore payment features for vendors and employees such as blockchain-based recurring payments.

To support such features and increase the amount of crypto available to pay via Stellar, COINQVEST plans to become an anchor in order to issue crypto assets on the network and provide on/off ramps for other anchors to integrate and interoperate with. 

By plugging into COINQVEST’s white-label solution, cross-border transactions and settlements operators, payment institutions, such as TEMPO PAYMENTS, payment apps and other financial services can use COINQVEST’s payment rails to offer their customers the option to pay in crypto, too – expanding the global reach and scale of all their businesses.

“Merchants are interested in adopting new digital currencies, but it can seem overwhelming at first. When they experience how COINQVEST removes the complexities of integrating with multiple blockchains and provides settlement in their desired currencies, their sentiment turns positive quickly.”
Marcin Olszowy
Co-founder · COINQVEST

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