FinchTrade

FinchTrade is a Swiss-based institutional digital asset liquidity provider and over-the-counter (OTC) desk. Founded in 2018 and headquartered in Zug, Switzerland, the company launched its OTC desk in 2019, achieved automated settlement in 2020, and obtained Swiss regulated entity status in 2022. It operates under Swiss VQF (Verein zur Qualitätssicherung von Finanzdienstleistungen) supervision and holds ISO/IEC 27001 and ISO/IEC 27701 certifications covering information security and privacy management.

The platform is built exclusively for institutional clients -- payment service providers (PSPs), money service businesses, OTC desks, EMIs, fintech companies, and high-net-worth individual traders -- not retail users. Services are explicitly not available to retail clients in the United Kingdom, United States, or European Union.

What FinchTrade Does

FinchTrade connects institutional clients to aggregated liquidity across leading centralized exchanges and OTC counterparties through a single integration point. Rather than managing relationships with multiple venues, clients access consolidated order flow and pricing via a unified API or web GUI.

The core offering is a request-for-quote (RFQ) trading model. When a client requests a price, FinchTrade returns competitive quotes with a unique identifier and a server-defined expiration. Quotes can be accepted through WebSocket or REST API connections. The system applies risk and exposure validation at acceptance, not at quote creation, and retains a last-look mechanism. This design suits institutions executing large block trades where pre-trade certainty on rate matters.

Settlement averages 30 minutes for stablecoin transactions and completes within T+1 at institutional rates. FinchTrade uses post-trade settlement, meaning clients are not required to pre-fund 100% of trade value. Margin-based trading limits typically require only 10-20% collateral, improving capital efficiency for active market participants. Short-selling is also supported.

Onboarding is automated and takes one to five business days, including KYC, AML, and KYT screening. Banking settlement runs through regulated partner rails including BCB Group, ClearJunction, and Nexpay, with support for SEPA, SWIFT, and ACH.

Supported Assets and Networks

FinchTrade supports the following cryptocurrencies: USDT, USDC, EURC, BTC, ETH, ADA, LTC, DOGE, and XRP. Fiat settlement is available in EUR, USD, GBP, CHF, and AED.

On the blockchain side, FinchTrade delivers assets across Ethereum, Polygon, Solana, Tron, and BNB Smart Chain. Solana is one of the supported delivery networks for stablecoin settlement, particularly USDC and USDT. Clients can fund in fiat via SEPA or SWIFT and receive stablecoins directly to a Solana wallet address, or vice versa, making FinchTrade a practical regulated fiat on-ramp and off-ramp for Solana-based treasury operations.

No trading fees and no hidden costs apply, and there is no minimum trade amount -- an unusual offering at the institutional OTC level that the company markets explicitly.

White-Label and API Infrastructure

Beyond its own trading desk, FinchTrade offers white-label OTC desk infrastructure for organizations that want to run their own branded crypto trading operation. This package includes a client-facing web GUI, REST and WebSocket API access with a developer sandbox, a Telegram-based trading bot, integrated AML/KYC/KYT compliance tooling, and non-custodial wallet support.

The Trader API follows standard RFQ conventions. Quotes expire independently, and creating new quotes does not invalidate existing ones. The sandbox environment allows counterparties to test connectivity and workflows before going live.

This white-label layer serves OTC desks and fintechs that need to launch or scale institutional trading infrastructure without building the liquidity, compliance, and settlement stack from scratch.

Cross-Border Payments on Stablecoin Rails

FinchTrade has extended its stablecoin infrastructure into B2B cross-border payments, enabling businesses to transfer value to corridors in Africa, Latin America, and the UAE. Transactions settle using USDC and USDT on-chain and are converted to local currencies -- Nigerian naira, Ghanaian cedi, Kenyan shilling, Mexican peso, Brazilian real, Chilean peso, Argentine peso, and UAE dirham -- with same-day or next-business-day settlement (T+0 to T+1).

Clients see the locked exchange rate and expected receipt amount before initiating a transfer, a departure from correspondent banking where final costs often surface only after settlement. The service targets payment companies, importers, exporters, and businesses with recurring cross-border obligations that want to bypass SWIFT correspondent chains.

Team and Company Scale

FinchTrade employs 40+ professionals across six or more countries. Board members and named leadership include Pavel Efremov (Head of Operations and Board Member), Lesya Margris (COO and Board Member), and Yuri Berg (CBDO and Board Member). The company also employs dedicated AML officers and FinTech legal counsel.

As of 2025, FinchTrade reports over 1 billion EUR in cumulative client trading volume and serves more than 100 institutional clients across 30+ countries. The company operates 24/7, including weekends -- a meaningful distinction for stablecoin payment flows that do not pause for banking hours.

Solana Ecosystem Fit

Solana's high throughput and low transaction costs make it a practical settlement layer for institutional stablecoin flows, and FinchTrade's inclusion of Solana as a supported delivery network reflects that institutional demand. Businesses using FinchTrade for USDC or USDT liquidity can opt for Solana as their preferred delivery network, avoiding the congestion and gas cost profiles of Ethereum mainnet for large-volume or high-frequency operations.

For Solana-native treasury desks, payment providers integrating Solana into their stack, or OTC operations looking to offer Solana-based settlement to clients, FinchTrade provides a regulated, Swiss-compliant counterparty with established liquidity, certified compliance infrastructure, and a proven settlement workflow.