Coinmerce

Coinmerce is a Netherlands-based cryptocurrency broker that allows retail and institutional customers to buy, sell, hold, and earn on more than 350 digital assets. Founded in 2017 in Amstelveen by two brothers, the platform is designed with accessibility as its central principle: local European payment methods, a clean multilingual interface, and a regulated custody framework lower the barrier for first-time and casual investors entering the crypto market.

What Coinmerce Offers

Coinmerce operates as a brokerage rather than a full order-book exchange. Users purchase crypto at a quoted price rather than matching orders with other traders. That model keeps the interface simple: a single screen shows the current price, the amount the user wants to buy, the payment method, and the total cost including fees. The same flow handles selling back to euro. The platform is accessible through both a web browser and a dedicated mobile app.

Supported assets number over 350 and span the full range of market-cap tiers: Bitcoin, Ethereum, Solana, XRP, Cardano, Dogecoin, and Litecoin anchor the major-asset tier, with mid-cap altcoins, DeFi tokens, and stablecoins rounding out the catalogue.

Key Products and Features

Yield Program. Coinmerce operates a rewards product that pays up to 14% APY on selected holdings, distributed as automatic weekly rewards. Users can allocate balances to a Yield account to participate. This is distinct from the Custody account, which is oriented toward institutional-grade storage without yield exposure.

Auto-Invest and Trigger Orders. The platform supports recurring purchases on a schedule and conditional trigger orders that execute when a target price is reached. Both features support dollar-cost averaging strategies without requiring manual intervention.

Payment Methods. Coinmerce emphasises fast euro on-ramps through iDEAL (the dominant Dutch bank-transfer method) and Wero, with standard SEPA bank transfer also supported. Instant settlement is available on iDEAL purchases, allowing users to take ownership of assets without waiting for a multi-day bank processing cycle.

Multilingual Support. The interface is available in Dutch, English, German, Spanish, Italian, and French. Customer support is offered 24/7 via live chat, WhatsApp, and email.

Verification Tiers. KYC is tiered: Level 1 verification allows up to approximately €500 per week in trading volume; Level 2 unlocks up to €60,000 per week. The tier system reflects standard European AML requirements without blocking small-balance users from getting started.

Security and Custody

Coinmerce holds the majority of user assets in cold storage, physically segregated from hot wallets used for operational liquidity. Client funds are kept separate from company assets. Two-factor authentication is mandatory, and withdrawal address whitelisting adds a second layer of protection against unauthorised fund movement. The platform complies with the Dutch Anti-Money Laundering and Counter-Terrorist Financing Act (Wwft) and the Sanctions Act 1977.

For users who want the highest level of custody assurance, the dedicated Custody account type provides institutional-grade storage separate from the Yield product.

Regulatory Status

Coinmerce's regulatory history tracks the evolution of Dutch crypto oversight. In November 2020 the company was registered with De Nederlandsche Bank (DNB) under the Wwft, one of the earlier formal registrations granted to a Dutch crypto provider and a step that was covered by international financial press at the time.

Subsequently, as the EU's Markets in Crypto-Assets Regulation (MiCAR) came into force, Coinmerce obtained authorisation from the Dutch Authority for the Financial Markets (AFM) as a crypto-asset service provider. The AFM authorisation covers exchange services (buying and selling crypto against fiat), custody and administration of crypto-assets on behalf of clients, and transfer services. This makes Coinmerce one of a limited number of Dutch platforms to hold full MiCAR authorisation rather than operating under a transitional exemption.

The company is incorporated as Coinmerce B.V. (KvK number 70036969) with registered offices at Beechavenue 140, 1119 PR Schiphol-Rijk, The Netherlands.

Company Background and Market Position

Coinmerce was founded on September 11, 2017, during the first major retail wave of crypto adoption in Europe. Its founders positioned it as a product built specifically for the Dutch and broader European market, with iDEAL integration and Dutch-language support as early differentiators at a time when the major international exchanges offered neither.

The platform has grown to serve more than 500,000 users. It has been covered by major Dutch media outlets including De Telegraaf, NOS, and Het Parool, and has established partnerships that include a sponsorship with AFC Ajax, the Amsterdam football club.

Transaction fees range from 0.45% to 1.5% as a service fee, plus a payment processing component that varies by method (0.30%–3.5%). The fee structure is higher than some Dutch competitors such as Bitvavo, a trade-off that reflects the simpler brokerage model and the added convenience of instant iDEAL settlement. Account opening is free, and euro withdrawals by bank transfer carry no additional charge.

Solana on Coinmerce

Solana (SOL) is among the assets listed on Coinmerce's platform and available for purchase, sale, and inclusion in the yield programme. As with other assets, users can set up auto-invest schedules to accumulate SOL on a recurring basis or configure trigger orders keyed to price targets. The platform holds SOL in its standard cold-storage custody model; users do not interact with the Solana network directly or hold self-custodied keys through Coinmerce.

Coinmerce is a centralised brokerage and does not participate in Solana staking, validator operations, DeFi protocols, or on-chain programme deployment. Its Solana exposure is retail-facing: a regulated, euro-denominated entry point for Dutch and European investors seeking straightforward access to SOL.