FinchPay

FinchPay is a regulated fiat-to-crypto and crypto-to-fiat exchange platform serving retail users directly and businesses through embeddable integrations. The platform supports more than 20 cryptocurrencies — including SOL, USDC on Solana, and USDT on Solana — across more than 100 countries, with multiple fiat payment methods and a target transaction completion time of 15 minutes.

Core Exchange Service

The retail exchange flow on finchpay.io follows five steps: select the currencies and direction of exchange (buy or sell), enter the destination wallet address, complete identity verification if the daily transaction volume exceeds 500 EUR, choose a payment method, and then track the transaction via email confirmation.

Supported payment methods for fiat input and output include Visa, Mastercard, SEPA bank transfer, and regional options such as PicPay and PIX for markets in Latin America. The platform advertises no hidden fees and 24/7 customer support.

Identity verification applies a proportionate threshold: smaller transactions can proceed without full KYC, while users crossing the 500 EUR daily limit are required to verify before continuing. This approach is common among regulated VASP-category exchanges seeking to balance user friction against compliance obligations.

B2B and Developer Integrations

FinchPay extends its core exchange functionality to business clients through four integration channels documented at docs.finchpay.io:

Embeddable Widget — A hosted widget at widget.finchpay.io that can be embedded in third-party websites and applications. Documentation covers widget URL structure and customization options. As of August 2026, the widget endpoint is displaying a maintenance message indicating temporary unavailability; the core exchange at finchpay.io remains accessible separately.

Embeddable Calculator — A pricing-only tool that lets partner sites embed live FinchPay exchange rates without directing users through the full exchange flow.

REST API — A programmatic interface for partner integrations requiring server-to-server control over exchange flows, order creation, and transaction state.

Webhooks — An event notification system that pushes real-time transaction lifecycle updates to partner-defined endpoints, enabling automated downstream workflows without polling.

Telegram WebApp — An integration point for the Telegram Mini App environment, allowing the exchange to be accessed directly from Telegram bots or channels.

These B2B channels position FinchPay as infrastructure for businesses that want to offer crypto buy/sell functionality to their own users without building a full exchange stack.

Regulatory History and Current Structure

FinchPay was originally licensed in Lithuania as a Virtual Asset Service Provider (VASP), operating under EU financial regulation. Effective July 1, 2026, FinchPay transferred its regulated operations to ZENVIA TECH LIMITED, a Money Services Business registered with Canada's FINTRAC (Financial Transactions and Reports Analysis Centre of Canada) under registration number N300000265. FINTRAC MSB registration covers money services activities including foreign exchange dealing and virtual currency exchange in Canada.

This jurisdictional transfer is disclosed on the finchpay.io homepage. The practical implications for users — specifically whether the platform's EU-era regulatory coverage continues to apply to European customers under the new structure — are not addressed in current public documentation.

Supported Assets on Solana

Among the 20+ cryptocurrencies FinchPay supports, three run on Solana's native network:

• SOL — Solana's native token, accepted as both a buy and sell asset
• USDC on Solana — Circle's USD-pegged stablecoin on the SPL token standard
• USDT on Solana — Tether's USD-pegged stablecoin on the SPL token standard

The presence of all three primary Solana-ecosystem assets means FinchPay can serve as an on- and off-ramp for Solana wallet holders without requiring a bridge or chain-hop to access fiat.

Context and Caveats

Several third-party signals are worth noting alongside the platform's own documentation:

BestChange delisting — BestChange, a widely used aggregator for peer-to-peer and instant exchange services, removed FinchPay from its listings in April 2026 and posted a warning against use. BestChange does not publicly detail the specific reasons for delistings. The delisting predates the July 2026 jurisdictional transfer to ZENVIA TECH LIMITED.

Widget maintenance — The embeddable widget at widget.finchpay.io is currently showing a "temporarily unavailable" message as of August 2026. This affects the B2B widget integration channel; the primary retail exchange interface at finchpay.io is not affected.

Social media inactivity — The official Twitter/X account (@FinchPay_io) posted zero tweets in the 30 days preceding this description, which is atypical for an actively growing exchange platform.

The finchpay.io main site and docs.finchpay.io documentation are both accessible and functional as of August 2026. The exchange interface loads and presents full product information. The indicators above do not confirm that the platform is non-operational, but they represent meaningful signals that prospective users and integration partners should evaluate independently before committing to the service.

Solana Ecosystem Fit

FinchPay's inclusion of SOL, USDC, and USDT on Solana as supported assets makes it a fiat gateway option for the Solana ecosystem. Its B2B API and webhook integrations could allow Solana-based applications — wallets, DeFi frontends, or consumer apps — to embed a fiat on-ramp without routing users to a separate exchange. Whether those B2B integrations are currently fully operational given the widget maintenance status is unclear from public sources.