Deskoin

TLDR

Deskoin is a regulated French crypto exchange founded in 2018 in Metz. It holds both historical PSAN status under the French PACTE Act and full MiCA authorization issued by the Autorité des Marchés Financiers (AMF) in April 2026, making it one of a small group of French platforms to clear the new European licensing bar. The platform serves retail investors, businesses, and institutional clients through a suite of products: a simplified buy/sell interface, thematic investment bundles, euro-stablecoin trading pairs, recurring purchase automation, an OTC desk, and a B2B crypto infrastructure layer built in partnership with Luxembourg neobank Olky Group.

Core Mechanism

Deskoin operates as a centralized exchange and custody provider in the traditional CEX model: users deposit euros via SEPA bank transfer or credit card, trade against 120-plus crypto assets, and withdraw either crypto to self-custody wallets or euros back to a bank account. The platform's most distinctive design choice is its use of EURC — Circle's euro-pegged stablecoin — as the native trading pair for every asset on the platform rather than USDC or USD. This eliminates the EUR/USD currency risk that affects most European users on dollar-denominated exchanges: a French investor buying Solana on Deskoin is exposed only to SOL/EUR price movements, not to dollar fluctuations layered on top.

Settlement is handled in euros, USDC, or EURC depending on the product. Assets are held primarily in cold storage for retail accounts. Onboarding requires KYC identity verification, with institutional and OTC clients subject to full AML/KYB review completed within three business days.

Thematic Investment Bundles

Deskoin offers 17 curated crypto bundles organized by investment theme. A single purchase allocates capital across the chosen bundle's assets in preset proportions, giving retail users thematic exposure without manually selecting each coin.

Notable bundles include:

• Main Blockchains: ETH, DOT, SOL, POL, TRX, BNB, AVAX
• The Fundamentals: BTC, ETH, XRP, ADA, BNB, SOL
• Artificial Intelligence: VIRTUAL, FET, RENDER, TAO, IP, NEAR
• DeFi Classics: UNI, AAVE, CRV, COMP, DYDX
• Layer-2 Ethereum: POL, ZK, ARB, MNT, STRK, OP
• RWA and Tokenization: PAXG, ONDO, SNX, VET, QNT
• Memecoin: BONK, DOGE, M, SHIB, PEPE
• DePiN: FIL, ICP, RENDER, TAO, JASMY
• Alternative Savings: BTC, USDC, PAXG
• Beginner: BTC and ETH

Additional Platform Features

Recurring Purchases (DCA): Users can schedule automated recurring purchases at fixed intervals. Deskoin positions this as the default long-term investment approach, consistent with its stated philosophy that crypto investment should resemble systematic saving rather than speculative trading.

OTC Desk: An institutional-grade over-the-counter desk serves family offices, high-net-worth individuals, and institutional clients needing block liquidity outside order books. The OTC desk covers 120-plus pairs settled in EUR, USDC, or EURC, with execution strategies customized per client and AML/KYB compliance integrated at onboarding.

Real Estate Integration: Deskoin maintains a dedicated product stream for French real estate agencies and notarial offices, enabling compliant crypto-to-fiat conversions that satisfy the requirements of regulated French property transactions.

EURC-First Design: All retail trading pairs are denominated in EURC rather than USDC or USD, keeping French and European investors currency-hedged against the dollar.

B2B Services and Olky Group Partnership

In March 2025, Luxembourg-based regulated neobank Olky Group acquired a strategic stake in Deskoin, providing both capital and formal integration into Olky's European payment infrastructure. The partnership produces three B2B product lines targeting Web3 companies, marketed under the Deskoin Flows brand:

• Treasury Management: Off-ramp solutions enabling Web3 companies to convert crypto treasury holdings into fiat through conventional banking channels.
• Token Sale Infrastructure: End-to-end tooling for token launches, including compliance workflows and KYC processes.
• User On-ramp: Embedded fiat payment modules that Web3 projects can integrate directly into their user-facing products.

Olky Group is a Luxembourg-regulated payment institution. Its combination of a European banking license and IBAN infrastructure with Deskoin's crypto expertise and compliance stack gives the partnership a regulated on/off-ramp capability spanning both the French and Luxembourg markets.

Supported Assets and Solana

Deskoin supports more than 120 cryptocurrencies. Solana (SOL) is among the core assets, appearing in two of the platform's pre-built bundles — Main Blockchains and The Fundamentals — reflecting its status as a Tier 1 asset in Deskoin's framework. The platform maintains a dedicated landing page for purchasing SOL in France under its MiCA-compliant framework.

Deskoin does not offer Solana-native staking, on-chain yield products, or DeFi access. Its relationship with Solana is as a liquid spot asset within a custodial exchange environment. No native token exists.

Regulatory Status

Deskoin's compliance timeline is among the more thorough in the French market:

• 2018: Company incorporated in Metz, France
• 2021: Registered as a PSAN (Prestataire de Services sur Actifs Numériques) under the French PACTE Act by the AMF, registration number E2021-017
• April 2026: Obtained full MiCA CASP (Crypto-Asset Service Provider) authorization from the AMF under EU Regulation 2023/1114, among the first authorizations issued in France

MiCA authorization covers custody and administration of crypto-assets, transfer and exchange, execution of client orders, and advisory services on crypto-assets. It also grants the European passport to offer services across all 27 EU member states, which Deskoin has announced as its next expansion phase.

Robin Charlier, Deskoin's President, commented on the MiCA approval: L'obtention de cet agrément est une fierté collective, et elle dépasse le seul cadre de Deskoin. Elle atteste qu'il est possible de construire, en France et en Europe, une infrastructure souveraine sur les crypto-actifs, conçue selon nos exigences, nos règles et nos valeurs.

No public smart contract audit reports have been published. Deskoin is a centralized custodial exchange with no on-chain protocol surface requiring such audits.

Team

• Robin Charlier — President, Product and Technology Manager
• Cécile Henry — General Director, Legal and Compliance Officer
• Owen Simonin — Advisor and co-founder; previously co-created Just-Mining, an earlier French crypto mining investment platform
• Julien Henrot-Dias — Co-founder

The company operates with approximately 15 staff based in Metz, average team age 32. It describes itself as a human-scale operation emphasizing direct customer contact over automated support, with a 48-hour response guarantee for customer service inquiries.

Fees

Deskoin publishes straightforward fixed-rate pricing:

• SEPA bank deposit: 0%
• Credit/debit card deposit: 1.5% minimum
• Crypto-to-EUR conversion: 1.5%
• Crypto-to-crypto swap: 1%
• Fiat withdrawal: 1 EUR fixed fee

Solana Ecosystem Fit

Deskoin is a multi-chain regulated exchange, not a Solana-native protocol. Its relevance to the Solana ecosystem is as a MiCA-licensed fiat on-ramp that gives French and European retail investors compliant access to SOL alongside 120-plus other assets. With competitor platforms including Binance and Bitget failing to secure MiCA authorization by the July 2026 deadline — leading to service shutdowns for EU residents — Deskoin's early-mover regulatory position creates an opening to capture retail flow from non-compliant platforms. The platform had over 50,000 registered users and a 4.3/5 Trustpilot rating as of mid-2026, with a pan-European expansion plan now enabled by the MiCA passport.