Swapin alternative for businesses keeping stablecoins
SwapinCollect converts each payment to fiat, and Swapin's coin lists name USDC, not USDT. Businesses paid in USDT or USDC that keep the stablecoins can use Unigox crypto processing as a Swapin alternative.
When to stay with Swapin
You want money in your bank, not crypto
Swapin locks the rate for 30 minutes and pays the exact invoiced amount to your business bank account in EUR, GBP or USD. It says 95% of stablecoin payments convert in 5 minutes or less. With Unigox crypto processing, the payment stays in USDT or USDC in your Unigox balance.
Your customers pay in bitcoin or ether
Swapin's payment page lets the payer pick bitcoin, ether, USDC and other coins and connect MetaMask, Trust Wallet or WalletConnect. Unigox crypto processing takes USDT and USDC only.
You want a payment link with no integration
Your verified Swapin account gives you a SwapinCollect link with your logo to send beside each invoice, with no integration. With Unigox, your developers connect the API to your own checkout or top-up page.
Taking a stablecoin payment: Swapin and Unigox
| Topic | Swapin | Unigox |
|---|---|---|
| What it is | A crypto payment gateway that converts each payment and pays your bank: a payment link with no integration, or an API for customer deposits and withdrawals. Businesses can also buy and sell crypto through a Named IBAN. | Crypto processing: a payment address per invoice or customer under your reference, with each USDT or USDC payment credited to your Unigox balance. |
| Coins and networks | bitcoin, ether, USDC and other coins on the payment page. Swapin's help centre lists its networks as BTC, BCH, ETH, DASH, LTC, USDC on Ethereum and Polygon, TRX and BNB; USDT is not among them. | Crypto processing takes stablecoin payments on the major EVM networks (Ethereum, Base, Arbitrum, Polygon, Optimism, BNB Smart Chain, Avalanche, Unichain and HyperEVM), Robinhood Chain, Tron, TON and Solana. Which stablecoins a business accepts on each network is agreed during setup. |
| What the payer does | Opens your link, enters the invoice amount, picks a coin and sends it or connects a wallet. Before paying, a person gives name, document number, date of birth and address; a company gives its name, registration number and address. | Sends an ordinary USDT or USDC transfer to the address on your page from their own wallet or exchange. They do not need a Unigox account. |
| Amount and rate | The crypto-to-fiat rate is locked for 30 minutes so you receive the exact invoiced amount in fiat. | No conversion at payment. Your system is told the amount that actually arrived and applies your own rules to short or extra payments. |
| Where the money lands | Your business bank account in EUR or GBP; Swapin also offers business clients USD settlement. An instant SEPA transfer takes up to 5 minutes, a regular one 1 business day. | Your Unigox balance, in the stablecoin sent. You keep it, send it to your own wallet, or convert it, for example to EUR or GBP. |
| Pricing | Paid by the payer on SwapinCollect:
| No public price list; priced for your company. |
| Regulation | Ungaro OÜ, Tallinn. Its site cites licence FVT000088 from the Estonian Financial Intelligence Unit; the Estonian register shows that licence as archived. Its gateway pages ask new businesses to join a waiting list while it prepares to launch under MiCAR. | 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. |
UnigoxMoving stablecoin payments off Swapin
Book a setup call
Tell us the stablecoins, networks and monthly volumes you expect. Services, pricing and integration access are agreed with your company before the first payment; your Swapin business verification does not carry over.
Replace the link with addresses
Your developers request an address for each invoice or customer under your reference, show the stablecoin and network next to it, and mark the invoice paid when the payment notification arrives.
Decide where the stablecoins go
Hold USDT or USDC in your Unigox balance, send it to your company wallet, or convert USDC to EUR or GBP through OTC deals at the fee agreed with you.
Common questions about Swapin
What does Swapin offer businesses?
A crypto payment gateway that pays EUR, GBP or USD to your bank: a SwapinCollect payment link with no integration, or an API for customer deposits and withdrawals. Businesses can also buy crypto and sell it to a bank account in their name. The licence its site cites, FVT000088, shows as archived on the Estonian register, and its gateway pages ask new businesses to join a waiting list while it prepares to launch under MiCAR.
What does Swapin charge for crypto payments?
On SwapinCollect the payer pays: 1.35% up to 15,000 EUR, 1.1% from 15,000 to 30,000 EUR and 0.8% over 30,000 EUR, plus a 0.4% bank transfer fee, with a 2.95 EUR minimum. For clients outside the EEA, Swapin sets fees by use case. Swapin says the business pays nothing per payment, though a one-time set-up fee may apply to a business account. Recovering funds sent on an unsupported network costs 1%, minimum 50 EUR. Unigox prices crypto processing per company.
Which Swapin alternative lets a business hold USDT?
Unigox crypto processing, if your customers pay in USDT or USDC and you want to keep stablecoins rather than receive fiat. Each invoice or customer gets an address under your reference, and the amount that arrives is credited in the stablecoin sent. For bitcoin payments and fiat paid straight to your bank, Swapin covers more.
See all business comparisonsCan I still turn stablecoin payments into euros with Unigox?
Yes, as a separate step: Unigox OTC deals convert stablecoins to EUR or GBP at the fee agreed with your company before the first deal, and the team records each deal in the Business Portal. Swapin converts every payment on arrival instead.
See OTC dealsTalk to us about holding payments in stablecoins
Tell us whether you will hold the stablecoins or convert them to EUR or GBP, and which invoices move off Swapin first.
Swapin 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.