AhoraCrypto

AhoraCrypto is a Madrid-based non-custodial fiat-to-crypto on/off-ramp founded in 2022 by two Spanish entrepreneurs. The platform lets retail users buy and sell more than 50 cryptocurrencies -- including Solana (SOL), Bitcoin, Ethereum, and USDC -- using everyday payment methods such as Visa, Mastercard, SEPA bank transfers, Apple Pay, and Google Pay. Purchases settle directly on-chain to the user's own wallet; AhoraCrypto never holds private keys or custodies funds on the user's behalf.

How It Works

The purchase flow is designed around speed and simplicity. Users select a cryptocurrency and enter an amount in their local fiat currency, then provide or connect a self-custody wallet address. After completing a streamlined identity check the platform claims takes under two minutes, they pay and receive crypto directly on-chain -- typically within two minutes of starting. The platform advertises a flat 0.99% commission with no hidden spreads and claims to beat competitor prices 90% of the time.

Selling and off-ramping follows the same KYC framework, allowing verified users to convert crypto holdings back to fiat with same-day settlement. A liquidity aggregator spanning 300+ tokens handles swaps between assets.

Minimum purchase is 25 EUR. Basic-verified users can transact up to 1,000 EUR per order, with higher limits unlocked through full verification. Supported fiat currencies include EUR, GBP, USD, CHF, CZK, PLN, SEK, DKK, NOK, and others -- a list that reflects the platform's pan-European user base. The interface is localised into English, Spanish, German, French, Italian, Portuguese, Polish, Romanian, Swedish, Ukrainian, Russian, and Bulgarian.

Blockchain and Asset Coverage

AhoraCrypto operates across 14 blockchain networks, including Solana, Ethereum, Polygon, Arbitrum, Optimism, Base, Avalanche, Celo, and others. The catalogue covers 50+ cryptocurrencies. USDC is supported natively across multiple chains through a Circle Alliance partnership, making AhoraCrypto a practical fiat on-ramp for stablecoin-heavy DeFi workflows on Solana and other ecosystems.

The breadth of network support distinguishes AhoraCrypto from single-chain or Bitcoin-only ramps. A user who wants to buy SOL with euros, acquire USDC on Base for a DeFi position, or top up an Arbitrum wallet from a SEPA account can complete all three transactions through a single provider and a single KYC process.

Regulatory Standing

In August 2026, Spain's Comision Nacional del Mercado de Valores (CNMV) authorised AhoraCrypto as a crypto-asset service provider (CASP) under the EU's Markets in Crypto-Assets Regulation (MiCA, EU Regulation 2023/1114). The authorisation covers crypto-to-fiat exchange and the transfer of crypto-assets on behalf of clients -- the two services at the core of the on/off-ramp business.

The timing is significant. The MiCA transitional period closed on 1 July 2026, after which no entity can lawfully provide crypto-asset services in the European Economic Area without a license or an EU passport. AhoraCrypto cleared that bar shortly after the deadline. Most of the CNMV's newly authorised providers are banks and large financial institutions; independent technology companies holding a full MiCA CASP license remain rare, and AhoraCrypto is one of the few.

The company built its compliance infrastructure in-house: a proprietary risk-scoring and anti-fraud engine, an AML/CTF screening system, and a compliance framework aligned with MiCA, DORA (the EU's Digital Operational Resilience Act), and Spanish anti-money laundering law. The non-custodial architecture sits at the centre of the compliance design -- because AhoraCrypto never holds user funds or private keys, the platform avoids the custody risks that contributed to exchange insolvencies during the 2022 crypto downturn. The CNMV resolution states explicitly that the company does not maintain customer wallets, does not custody crypto-assets, and does not store private keys.

The MiCA license also functions as an EU passport. AhoraCrypto can extend its regulated status into other EEA member states without seeking additional national authorisations, giving it a meaningful structural advantage for expansion across Europe.

Business and Developer Products

AhoraCrypto operates a B2B layer alongside its retail product. Target customers include wallets, DApps, neobanks, fintechs, exchanges, brokers, gaming platforms, and real-world asset (RWA) projects seeking a compliant fiat entry point without building or licensing their own payment infrastructure.

The embeddable widget deploys in three lines of code and is white-label and fully customisable -- colours, fonts, logos, and dark mode. It ships with built-in KYC, payment processing, and order tracking. Because the widget runs under AhoraCrypto's MiCA license, partner products can offer regulated fiat-to-crypto purchasing to EU users without obtaining their own CASP authorisation -- a significant compliance shortcut for teams building on Solana or other chains who want European retail distribution.

The REST API gives developers complete control over the user experience: custom flows, custom UI, and custom user journeys are all supported. Real-time price streams are available via WebSocket; webhook notifications cover order lifecycle events. SDKs are provided for JavaScript and Python. Business partners receive a dedicated account manager, a priority Slack channel, a real-time analytics dashboard with conversion metrics and transaction monitoring, and custom volume-based pricing. The platform quotes a 99.9% uptime SLA.

The API documentation published via GitBook covers exchange endpoints for fiat-to-crypto and crypto-to-fiat estimation, payment intent creation, payment status tracking, a Web Widget component, and a React SDK. The platform advertises five-minute integration for the widget.

Traction and Outlook

The platform reports more than 7,000 registered users. A mobile app available on Google Play adds portfolio tracking, real-time pricing, and transaction history alongside the web experience.

Following the CNMV authorisation, AhoraCrypto announced plans to close a financing round within months, earmarked for accelerating team growth and product development. The company is founded and headquartered in Madrid.

The project sits at the intersection of two sustained trends in the Solana ecosystem: growing demand for compliant fiat on/off-ramp infrastructure as retail adoption expands beyond self-described crypto natives, and the integration of embedded financial services inside wallets and DApps. For Solana projects seeking to onboard European users -- without building regulated payment rails from scratch -- a MiCA-licensed, non-custodial, multi-chain widget provider is a practical option. AhoraCrypto's combination of regulatory standing, transparent fee structure, Solana network support, and developer-friendly API addresses that gap.