Mercuryo
Crypto on-ramp, off-ramp, swap and card infrastructure that wallets and exchanges embed.
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Mercuryo key facts
| Category | Fiat on-ramp |
|---|---|
| Platforms | Web, API, SDK |
| Custody | Non-custodial |
| Fees | Buy up to 5.5% (min €1); sell up to 3.95% (min €3); fast track up to 5% extra |
| Launched | 2018 |
| US availability | US citizens and residents via MoneyDream LLC (Delaware) under separate US terms |
What is Mercuryo?
Mercuryo is a crypto payment infrastructure company founded in 2018 that provides on-ramp, off-ramp, swaps and co-branded spend cards to partners. Its homepage lists 150+ supported countries. Its help center lists a buy fee of up to 5.5% with a €1 minimum and a sell fee of up to 3.95%.
How Mercuryo works
Mercuryo is mostly used as a widget inside partner apps; its homepage cites 500+ web3 partners and names wallets such as MetaMask, Trust Wallet and Bitget Wallet.
You pick a coin and amount, pay with a card, Apple Pay, Google Pay or bank transfer, and the crypto goes to an external wallet address. Regulated entities differ by region: MONEYMAPLE TECH LTD is a FINTRAC MSB in Canada, MONETLEY LTD is an FCA-registered e-money institution in the UK, and Criptan Trade, S.L. holds a MiCA CASP license from Spain's CNMV. Outside the US, Mercuryo's license page says MONEYMAPLE TECH LTD also provides custody of cryptoassets, and the help center lists a Mercuryo wallet.
How to start with Mercuryo
- US customers contract with MoneyDream LLC, a Delaware company in Lewes, under separate US terms.
- Those terms cover buying and selling crypto for fiat and crypto-to-fiat conversion through a wallet-connected card, only to US citizens or residents aged 18 or older who are not on OFAC, UN, EU or UK sanctions lists.
- You provide your own wallet address, since MoneyDream does not hold crypto or private keys for you.
Mercuryo fees and limits
- Mercuryo's help center lists a buy fee of up to 5.5% with a 1 euro minimum, a sell fee of up to 3.95% with a 3 euro minimum, and an extra charge of up to 5% for fast-track purchases.
Network fees apply on top for on-chain transfers to your wallet.
Risks to know before using Mercuryo
- MoneyDream states it does not hold licenses for these services and works with third-party providers to carry out transactions.
- The US service runs through a different company than the one in Europe or the UK, so the protections and complaint routes depend on which entity your order goes through.
- Under the US terms, clients bear sole responsibility for custody and security of their assets, so an address typed wrong cannot be recalled.
- Previously suspended users and people linked to sanctioned countries are excluded.
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Where Mercuryo ranks on DappAtlas
Listed next to Mercuryo
- Guardarian Fiat on-ramp
Mercuryo pros and cons
- 150+ countries supported, per its homepage
- Also offers swaps and co-branded spend cards
- No fee to receive crypto into a Mercuryo wallet
- Buy fee of up to 5.5%
- Fast-track purchases add up to 5% on top
- US orders go through a separate entity, MoneyDream LLC, under separate terms
Mercuryo FAQ
What is Mercuryo?
Mercuryo is a crypto payment infrastructure company founded in 2018 that provides on-ramp, off-ramp, swaps and co-branded spend cards to partners. Its homepage lists 150+ supported countries. Its help center lists a buy fee of up to 5.5% with a €1 minimum and a sell fee of up to 3.95%.
How much does Mercuryo cost?
Buy up to 5.5% (min €1); sell up to 3.95% (min €3); fast track up to 5% extra, according to Mercuryo’s own page (checked Sep 26, 2026).
Is Mercuryo available in the US?
US citizens and residents via MoneyDream LLC (Delaware) under separate US terms, according to Mercuryo’s own page (checked Sep 26, 2026).
Does Mercuryo hold my funds?
No. Mercuryo is non-custodial: you keep your funds in your own wallet and sign each transaction.
Sources
How this page works
Sources: Mercuryo: official site, Mercuryo: Mercuryo fees, Mercuryo: Homepage. Data as of Sep 26, 2026.
Not affiliated with any project listed. Educational content, not financial advice.