Exchange crypto & currency in minutes — fair, transparent rates
Exchange crypto &
currency in minutes —
fair, transparent rates
Exchange crypto & currency in minutes — fair, transparent rates
Non-custodial exchange with a clear cost breakdown. KYC/AML checks keep your funds and flows compliant.
Non-custodial exchange with a clear cost breakdown.
KYC/AML checks keep your funds and flows compliant.
Non-custodial exchange with a clear cost breakdown.
KYC/AML checks keep your funds and flows compliant.
Exchange via PaYard →
Exchange via PaYard →
Exchange via PaYard →
Talk to support
Talk to support
Talk to support
Exchange only — we don’t hold assets or private keys. Availability depends on verification and jurisdiction.
Exchange only — we don’t hold assets or private keys. Availability depends on verification and jurisdiction.
Exchange only — we don’t hold assets or private keys. Availability depends on verification and jurisdiction.
Exchange only — we don’t hold assets or private keys. Availability depends on verification and jurisdiction.
Features
Features
From bank to chain—both ways.
Exchange EUR / USD / CZK ↔ BTC / ETH / stablecoins / select altcoins (e.g., SOL, MATIC) with bank or on-chain settlement in supported regions.
SEPA / SWIFT
Major L1 networks
24/7 quotes; desk hours for large tickets
Non-custodial — no wallets or custody services.
From bank to chain—both ways.
Exchange EUR / USD / CZK ↔ BTC / ETH / stablecoins / select altcoins (e.g., SOL, MATIC) with bank or on-chain settlement in supported regions.
SEPA / SWIFT
Major L1 networks
24/7 quotes; desk hours for large tickets
Non-custodial — no wallets or custody services.
From bank to chain—both ways.
Exchange EUR / USD / CZK ↔ BTC / ETH / stablecoins / select altcoins (e.g., SOL, MATIC) with bank or on-chain settlement in supported regions.
SEPA / SWIFT
Major L1 networks
24/7 quotes; desk hours for large tickets
Non-custodial — no wallets or custody services.
From bank to chain—both ways.
Exchange EUR / USD / CZK ↔ BTC / ETH / stablecoins / select altcoins (e.g., SOL, MATIC) with bank or on-chain settlement in supported regions.
SEPA / SWIFT
Major L1 networks
24/7 quotes; desk hours for large tickets
Non-custodial — no wallets or custody services.
From bank to chain—both ways.
Exchange EUR / USD / CZK ↔ BTC / ETH / stablecoins / select altcoins (e.g., SOL, MATIC) with bank or on-chain settlement in supported regions.
SEPA / SWIFT
Major L1 networks
24/7 quotes; desk hours for large tickets
Non-custodial — no wallets or custody services.
Fair, transparent pricing.
See the full fee breakdown before you confirm — live rate, spread, and estimated network/banking costs. No hidden FX markups.
Live quote with a short lock window
Clear spread + network fee shown upfront
Final amount previewed before payment
Fair, transparent pricing.
See the full fee breakdown before you confirm. No hidden FX markups.
Live quote with a short lock window
Clear spread + network fee shown upfront
Final amount previewed before payment
Fair, transparent pricing.
See the full fee breakdown before you confirm. No hidden FX markups.
Live quote with a short lock window
Clear spread + network fee shown upfront
Final amount previewed before payment
Fair, transparent pricing.
See the full fee breakdown before you confirm. No hidden FX markups.
Live quote with a short lock window
Clear spread + network fee shown upfront
Final amount previewed before payment
Fair, transparent pricing.
See the full fee breakdown before you confirm. No hidden FX markups.
Live quote with a short lock window
Clear spread + network fee shown upfront
Final amount previewed before payment
Built for regulated flows.
KYC/AML screening and sanctions checks built into the flow.
Individual & business onboarding
Travel Rule–ready transfers
Documentation once; reusable across transactions
Built for regulated flows.
KYC/AML screening and sanctions checks built into the flow.
Individual & business onboarding
Travel Rule–ready transfers
Documentation once; reusable across transactions
Built for regulated flows.
KYC/AML screening and sanctions checks built into the flow.
Individual & business onboarding
Travel Rule–ready transfers
Documentation once; reusable across transactions
Built for regulated flows.
KYC/AML screening and sanctions checks built into the flow.
Individual & business onboarding
Travel Rule–ready transfers
Documentation once; reusable across transactions
Built for regulated flows.
KYC/AML screening and sanctions checks built into the flow.
Individual & business onboarding
Travel Rule–ready transfers
Documentation once; reusable across transactions
Flexible settlement & routing
Choose the route that fits size, speed, and cost — bank rails or stablecoins / select altcoins (e.g., SOL, MATIC) in permitted jurisdictions.
Same-day SEPA/FPS in many cases
Network selection for crypto withdrawals
Priority desk for > €50k equivalents
Your funds, your rails.
Choose the route that fits size, speed, and cost—bank rails or stablecoins in permitted jurisdictions.
Same-day SEPA/FPS in many cases
Network selection for crypto withdrawals
Priority desk for > €50k equivalents
Your funds, your rails.
Choose the route that fits size, speed, and cost—bank rails or stablecoins in permitted jurisdictions.
Same-day SEPA/FPS in many cases
Network selection for crypto withdrawals
Priority desk for > €50k equivalents
Your funds, your rails.
Choose the route that fits size, speed, and cost — bank rails or stablecoins / select altcoins (e.g., SOL, MATIC) in permitted jurisdictions.
Same-day SEPA/FPS in many cases
Network selection for crypto withdrawals
Priority desk for > €50k equivalents
Your funds, your rails.
Choose the route that fits size, speed, and cost — bank rails or stablecoins / select altcoins (e.g., SOL, MATIC) in permitted jurisdictions.
Same-day SEPA/FPS in many cases
Network selection for crypto withdrawals
Priority desk for > €50k equivalents
Step 1: Get a quote
Choose assets & amount
Select what you send and what you receive (e.g., CZK → USDC). You’ll see the live rate, spread, and estimated network fee before you continue.
Quotes refresh periodically; final rate is confirmed at execution.
Step 1: Get a quote
Choose assets & amount
Select what you send and what you receive (e.g., CZK → USDC). You’ll see the live rate, spread, and estimated network fee before you continue.
Quotes refresh periodically; final rate is confirmed at execution.
Step 1: Get a quote
Choose assets & amount
Select what you send and what you receive (e.g., CZK → USDC). You’ll see the live rate, spread, and estimated network fee before you continue.
Quotes refresh periodically; final rate is confirmed at execution.
Step 1: Get a quote
Choose assets & amount
Select what you send and what you receive (e.g., CZK → USDC). You’ll see the live rate, spread, and estimated network fee before you continue.
Quotes refresh periodically; final rate is confirmed at execution.
Step 2: Verify
Fast KYC/AML
We verify identity and eligibility where required. Non-custodial — we never hold client assets or private keys.
Approvals depend on jurisdiction and documentation quality.
Step 2: Verify
Fast KYC/AML
We verify identity and eligibility where required. Non-custodial — we never hold client assets or private keys.
Approvals depend on jurisdiction and documentation quality.
Step 2: Verify
Fast KYC/AML
We verify identity and eligibility where required. Non-custodial — we never hold client assets or private keys.
Approvals depend on jurisdiction and documentation quality.
Step 2: Verify
Fast KYC/AML
We verify identity and eligibility where required. Non-custodial — we never hold client assets or private keys.
Approvals depend on jurisdiction and documentation quality.
Step 3 — Pay in
Fund the exchange
Send funds via supported rails (SEPA/SWIFT) or stablecoins on approved networks.
Bank beneficiary & reference provided in app.
Stablecoin address & network shown at checkout.
Step 3 — Pay in
Fund the exchange
Send funds via supported rails (SEPA/SWIFT) or stablecoins on approved networks.
Bank beneficiary & reference provided in app.
Stablecoin address & network shown at checkout.
Step 3 — Pay in
Fund the exchange
Send funds via supported rails (SEPA/SWIFT) or stablecoins on approved networks.
Bank beneficiary & reference provided in app.
Stablecoin address & network shown at checkout.
Step 3 — Pay in
Fund the exchange
Send funds via supported rails (SEPA/SWIFT) or stablecoins on approved networks.
Bank beneficiary & reference provided in app.
Stablecoin address & network shown at checkout.
Step 4 — Settle out
Receive your funds
We settle to your specified bank account or blockchain address once the route confirms.
Same-day SEPA where available.
Network confirmations apply on-chain.
Step 4 — Settle out
Receive your funds
We settle to your specified bank account or blockchain address once the route confirms.
Same-day SEPA where available.
Network confirmations apply on-chain.
Step 4 — Settle out
Receive your funds
We settle to your specified bank account or blockchain address once the route confirms.
Same-day SEPA where available.
Network confirmations apply on-chain.
Step 4 — Settle out
Receive your funds
We settle to your specified bank account or blockchain address once the route confirms.
Same-day SEPA where available.
Network confirmations apply on-chain.
Timelines depend on banking cut-offs, network conditions, and verification. No investment advice or guaranteed returns.
Timelines depend on banking cut-offs, network conditions, and verification. No investment advice or guaranteed returns.
Timelines depend on banking cut-offs, network conditions, and verification. No investment advice or guaranteed returns.
Supported assets & rails
Supported assets & rails
Supported assets & rails
Fiat, stablecoins and altcoins we support today. Network and bank-rail availability may vary by jurisdiction and verification status.
Fiat, stablecoins and altcoins we support today. Network and bank-rail availability may vary by jurisdiction and verification status.
Fiat, stablecoins and altcoins we support today. Network and bank-rail availability may vary by jurisdiction and verification status.
Fiat currencies
Fiat currencies
Fiat currencies
EUR · USD · CZK
EUR · USD · CZK
EUR · USD · CZK
Pay in and settle out via supported bank rails with clear references and beneficiary details.
Pay in and settle out via supported bank rails with clear references and beneficiary details.
Pay in and settle out via supported bank rails with clear
references and beneficiary details.
SEPA (EUR) — same-day in many cases.
SWIFT (multi-currency).
Wires for larger tickets.
SEPA (EUR) — same-day in many cases.
SWIFT (multi-currency).
Wires for larger tickets.
SEPA (EUR) — same-day in many cases.
SWIFT (multi-currency).
Wires for larger tickets.
Settlement options
Settlement options
Settlement options
BTC · ETH · SOL · MATIC · Stablecoins · Altcoins on request
BTC · ETH · SOL · MATIC · Stablecoins · Altcoins on request
BTC · ETH · SOL · MATIC · Stablecoins · Altcoins on request
Pick what matters most—fee, speed, or hands-on routing. Exact costs are shown before you confirm.
Pick what matters most—fee, speed, or hands-on routing. Exact costs are shown before you confirm.
Pick what matters most—fee, speed, or hands-on routing.
Exact costs are shown before you confirm.
Optimized mix of cost and speed for most tickets.
Auto-selects a reliable route for your pair.
Final receive amount previewed before you pay in.
Optimized mix of cost and speed for most tickets.
Auto-selects a reliable route for your pair.
Final receive amount previewed before you pay in.
Optimized mix of cost and speed for most tickets.
Auto-selects a reliable route for your pair.
Final receive amount previewed before you pay in.
Fiat currencies
EUR · USD · CZK
Pay in and settle out via supported bank rails with clear references and beneficiary details.
SEPA (EUR) — same-day in many cases.
SWIFT (multi-currency).
Wires for larger tickets.
Settlement options
BTC · ETH · SOL · MATIC · Stablecoins · Altcoins on request
Pick what matters most—fee, speed, or hands-on routing. Exact costs are shown before you confirm.
Optimized mix of cost and speed for most tickets.
Auto-selects a reliable route for your pair.
Final receive amount previewed before you pay in.
Examples are illustrative; available pairs depend on verification and region.
Non-custodial — we don’t hold assets or keys.
Examples are illustrative; available pairs depend on verification and region.
Non-custodial — we don’t hold assets or keys.
Examples are illustrative; available pairs depend on verification and region.
Non-custodial — we don’t hold assets or keys.
Examples are illustrative; available pairs depend on verification and region.
Non-custodial — we don’t hold assets or keys.
Pricing
Pricing
Transparent fees and a clear rate before you confirm.
Transparent fees and a clear rate before you confirm.
Crypto ↔ crypto
Crypto ↔ crypto
0.3%
0.3%
0.3%
0.3%
Instant quote, no hidden markups.
Instant quote, no hidden markups.
Excludes: blockchain network fee.
Excludes: blockchain network fee.
Excludes: blockchain network fee.
Crypto ↔ fiat
Crypto ↔ fiat
Crypto ↔ fiat
2.5%
2.5%
2.5%
2.5%
Rate shown before payment; final amount in the quote.
Rate shown before payment; final amount in the quote.
Excludes: banking costs where applicable.
Excludes: banking costs where applicable.
Excludes: banking costs where applicable.
Rates benchmark against market quotes (e.g., Binance, WhiteBIT). Final rate/amount is locked within a short quote window.
Non-custodial exchange only: no custody, lending, staking, or investment advice. Network/banking fees are separate and route-dependent. Availability subject to KYC/AML and jurisdiction.
Rates benchmark against market quotes (e.g., Binance, WhiteBIT). Final rate/amount is locked within a short quote window.
Non-custodial exchange only: no custody, lending, staking, or investment advice. Network/banking fees are separate and route-dependent. Availability subject to KYC/AML and jurisdiction.
Compliance-first by design
Compliance-first by design
Compliance-first by design
Compliance-first by design
Compliance-first by design
KYC/AML screening and sanctions checks are built into every exchange flow.
KYC/AML screening and sanctions checks are built into every exchange flow.
KYC/AML screening and sanctions checks are built into every exchange flow.
KYC/AML screening and sanctions checks are built into every exchange flow.
KYC/AML screening and sanctions checks are built into every exchange flow.
PaYard provides exchange services only — no custody, lending, staking, brokerage, or investment advice.
PaYard provides exchange services only — no custody, lending, staking, brokerage, or investment advice.
PaYard provides exchange services only — no custody, lending, staking, brokerage, or investment advice.
PaYard provides exchange services only — no custody, lending, staking, brokerage, or investment advice.
PaYard provides exchange services only — no custody, lending, staking, brokerage, or investment advice.
Verified onboarding
Individual & business KYC with PoF/SoW support.
Verified onboarding
Individual & business KYC with PoF/SoW support.
Verified onboarding
Individual & business KYC with PoF/SoW support.
Verified onboarding
Individual & business KYC with PoF/SoW support.
Verified onboarding
Individual & business KYC with PoF/SoW support.
Sanctions & PEP checks
Continuous screening with automated alerts.
Sanctions & PEP checks
Continuous screening with automated alerts.
Sanctions & PEP checks
Continuous screening with automated alerts.
Sanctions & PEP checks
Continuous screening with automated alerts.
Sanctions & PEP checks
Continuous screening with automated alerts.
Travel Rule–ready
Compliant transfers via vetted Travel Rule providers.
Travel Rule–ready
Compliant transfers via vetted Travel Rule providers.
Travel Rule–ready
Compliant transfers via vetted Travel Rule providers.
Travel Rule–ready
Compliant transfers via vetted Travel Rule providers.
Travel Rule–ready
Compliant transfers via vetted Travel Rule providers.
Secure settlement
Bank rails and stablecoin routes with counterparty checks.
Secure settlement
Bank rails and stablecoin routes with counterparty checks.
Secure settlement
Bank rails and stablecoin routes with counterparty checks.
Secure settlement
Bank rails and stablecoin routes with counterparty checks.
Secure settlement
Bank rails and stablecoin routes with counterparty checks.
Frequently asked questions
Frequently asked questions
Frequently asked questions
Quick answers about quotes, fees, onboarding, and settlement.
Quick answers about quotes, fees, onboarding, and settlement.
Quick answers about quotes, fees, onboarding, and settlement.
What services does PaYard provide?
What services does PaYard provide?
What services does PaYard provide?
What services does PaYard provide?
Do you hold my funds or keys?
Do you hold my funds or keys?
Do you hold my funds or keys?
Do you hold my funds or keys?
What assets can I exchange?
What assets can I exchange?
What assets can I exchange?
What assets can I exchange?
How long is the rate locked?
How long is the rate locked?
How long is the rate locked?
How long is the rate locked?
How long is the rate locked?
How fast is settlement?
How fast is settlement?
How fast is settlement?
How fast is settlement?
Are returns guaranteed?
Are returns guaranteed?
Are returns guaranteed?
Are returns guaranteed?
Are returns guaranteed?
Start your exchange
Start your exchange
Start your exchange
Move between fiat and crypto with transparent pricing and compliant settlement — without custody.
Move between fiat and crypto with transparent pricing and compliant settlement — without custody.
Move between fiat and crypto with transparent pricing and compliant settlement — without custody.
Get a live quote →
Get a live quote →
Get a live quote →
Talk to the desk
Talk to the desk
Talk to the desk
Exchange only — we don’t hold assets or keys.
Exchange only — we don’t hold assets or keys.
Exchange only — we don’t hold assets or keys.
Start your exchange
Move between fiat and crypto with transparent pricing and compliant settlement — without custody.
Exchange only — we don’t hold assets or keys.
Ping us,
we’re here for you
Ping us,
we’re here for you
Ping us,
we’re here for you
Our dedicated team says "Hi"! Reach out with any questions or for support, and we'll ensure you get the assistance you need
Our dedicated team says "Hi"! Reach out with any questions or for support, and we'll ensure you get the assistance you need
Our dedicated team says "Hi"! Reach out with any questions or for support, and we'll ensure you get the assistance you need
Office Adress
Vlkova 532/8, Prague 3, 130 00.
Czech Republic
Disclaimer:
PaYard is a company preparing to operate as a non-custodial crypto-asset service provider (CASP) in accordance with Regulation (EU) 2023/1114 on Markets in Crypto-Assets (MiCA) and the relevant Czech legislation once the licensing process is completed.
At this stage, PaYard does not yet provide any crypto-related services and is in the process of aligning its internal policies, procedures, and technical infrastructure with MiCA requirements.
Upon obtaining authorisation from the Czech National Bank, PaYard will offer crypto-to-crypto and crypto-to-fiat exchange services only, without holding or managing clients’ crypto-assets or private keys.
PaYard will not provide any services involving custody, lending, staking, investment advice, portfolio management, brokerage, or any other regulated financial or payment activities.
The Platform’s future services will be intended solely for users who are legally eligible to use crypto-asset exchange services under applicable EU and Czech laws, and will not be available in jurisdictions where such services are restricted or prohibited.
PaYard acts transparently and independently, and does not guarantee any returns, profits, or investment performance of crypto-assets exchanged through its platform.
2025 Copyright PaYard
Office Adress
Vlkova 532/8, Prague 3, 130 00.
Czech Republic
Disclaimer:
PaYard is a company preparing to operate as a non-custodial crypto-asset service provider (CASP) in accordance with Regulation (EU) 2023/1114 on Markets in Crypto-Assets (MiCA) and the relevant Czech legislation once the licensing process is completed.
At this stage, PaYard does not yet provide any crypto-related services and is in the process of aligning its internal policies, procedures, and technical infrastructure with MiCA requirements.
Upon obtaining authorisation from the Czech National Bank, PaYard will offer crypto-to-crypto and crypto-to-fiat exchange services only, without holding or managing clients’ crypto-assets or private keys.
PaYard will not provide any services involving custody, lending, staking, investment advice, portfolio management, brokerage, or any other regulated financial or payment activities.
The Platform’s future services will be intended solely for users who are legally eligible to use crypto-asset exchange services under applicable EU and Czech laws, and will not be available in jurisdictions where such services are restricted or prohibited.
PaYard acts transparently and independently, and does not guarantee any returns, profits, or investment performance of crypto-assets exchanged through its platform.
2025 Copyright PaYard
Office Adress
Vlkova 532/8, Prague 3, 130 00.
Czech Republic
Disclaimer:
PaYard is a company preparing to operate as a non-custodial crypto-asset service provider (CASP) in accordance with Regulation (EU) 2023/1114 on Markets in Crypto-Assets (MiCA) and the relevant Czech legislation once the licensing process is completed.
At this stage, PaYard does not yet provide any crypto-related services and is in the process of aligning its internal policies, procedures, and technical infrastructure with MiCA requirements.
Upon obtaining authorisation from the Czech National Bank, PaYard will offer crypto-to-crypto and crypto-to-fiat exchange services only, without holding or managing clients’ crypto-assets or private keys.
PaYard will not provide any services involving custody, lending, staking, investment advice, portfolio management, brokerage, or any other regulated financial or payment activities.
The Platform’s future services will be intended solely for users who are legally eligible to use crypto-asset exchange services under applicable EU and Czech laws, and will not be available in jurisdictions where such services are restricted or prohibited.
PaYard acts transparently and independently, and does not guarantee any returns, profits, or investment performance of crypto-assets exchanged through its platform.
2025 Copyright PaYard