Paymium alternative for USDC paid straight to your bank
Selling USDC on Paymium is a 0.90% swap, then a separate paid bank withdrawal. Unigox is the Paymium alternative where the fee is inside the rate and the buyer pays your bank. For bitcoin trading, stay with Paymium.
When to stay with Paymium
You trade bitcoin with limit orders
Paymium runs a BTC/EUR order book where you set your own price. Maker fees start at 0.40% and reach 0% from 300 million EUR of 30-day volume. Unigox trades stablecoins only.
You move between EURCV and euros
Paymium charges nothing on EURCV to euro swaps in either direction, against 0.90% on USDC and 1.49% on most other coins.
You want a platform supervised in France
The AMF authorised Paymium SAS under MiCA for six services, from custody to transfers, and the ACPR supervises it as a payment institution. Euros sit in an e-money account with a European banking partner, and 98% of coins are kept offline.
Paymium and Unigox for one USDC sale
Paymium lists its swap fee and its withdrawal fee as two lines; Unigox puts its fee inside the quoted rate. Compare the euros that reach your bank for the same USDC amount on the same day.
| Topic | Paymium | Unigox |
|---|---|---|
| What it is | A French platform built around a BTC/EUR order book. USDC, its reference stablecoin, is bought and sold through instant swaps. | A stablecoin marketplace: an individual P2P merchant or a payment business buys your USDC. |
| USDC in and out | Paymium's currency list gives USDC an Ethereum address scheme, and its price list says Ethereum network fees may be added to the 5 USDC withdrawal fee. | Sent on a network the deposit screen lists for USDC, such as Ethereum, Base, Arbitrum or Solana. |
| Fee on the sale | 0.90% on the USDC to euro swap, the reduced stablecoin rate. Standard swaps cost 1.49%. | Built into the quoted rate, which you see before you accept the sale. |
| Getting paid to your bank | The swap credits your Paymium euro balance. Each SEPA withdrawal then costs 0.99 EUR, and Paymium's currency list sets withdrawals from 10 to 25,000 EUR. | Paid by the buyer into the bank account you add to the trade. The USDC sits in escrow during the trade; on a P2P sale it is released after you confirm the payment. |
| Regulation | Paymium SAS is a crypto-asset service provider authorised by the AMF under MiCA, number A2026-018, and an authorised payment institution supervised by the ACPR, CIB 18028. | Unigox works through two companies: UNIGOX NETWORK CORP. in Canada handles the local-money side and is registered with FINTRAC as a money services business and with the Bank of Canada as a payment service provider; UNIGOX NETWORK CORP. in Panama handles the crypto side, including wallets and escrow. |
UnigoxMove a USDC sale from Paymium to Unigox
Pass the identity check
Open a Unigox account and pass the identity check before the first trade; bitcoin trading can stay on Paymium.
Deposit the USDC on its network
On the deposit screen pick USDC and the network the sending wallet uses, then send it to the address shown. For USDC leaving Paymium, choose the network its withdrawal screen names; Paymium charges 5 USDC plus any Ethereum network fee at the time.
Name your bank account and accept the rate
Enter the account that should receive the money and accept the quoted rate; there is no separate paid withdrawal as on Paymium. On a P2P sale, confirm once the payment shows and escrow releases the USDC.
Paymium alternative: common questions
How much does Paymium charge to sell USDC?
Paymium's price list sets 0.90% on stablecoin swaps, which covers USDC to euros, and 1.49% on standard swaps. Sending the euros to a bank by SEPA costs 0.99 EUR, with a 10 EUR minimum. On Unigox the fee is inside the rate you accept.
Is Paymium authorised under MiCA?
Yes. The AMF has authorised Paymium SAS as a crypto-asset service provider, number A2026-018, for custody, running a trading platform, exchange, order execution and transfers. Paymium is also an authorised payment institution supervised by the ACPR.
Which Paymium alternative pays USDC sales to a bank?
Unigox. An individual P2P merchant or a payment business buys your USDC and pays the bank account you name, while the USDC sits in escrow during the trade. On Paymium the sale credits your Paymium balance, and the bank transfer is a separate 0.99 EUR withdrawal.
Can I withdraw USDC from Paymium to another wallet?
Yes. Paymium charges 5 USDC per withdrawal and says Ethereum network fees may be added at the time. Its currency list sets USDC withdrawals at 10 to 20,000 USDC.
Price your USDC sale on Unigox
Unigox quotes your amount with its fee already inside the rate. Hold it against a Paymium sale after the 0.90% swap and the 0.99 EUR withdrawal.
Paymium and other names and logos are trademarks of their respective owners. Unigox is not affiliated with, endorsed or sponsored by them. Information about other companies comes from public sources, mainly the companies' own websites, and each company can change its products and fees at any time.