EurocoinPay

EurocoinPay is a Spanish crypto payment gateway offering merchant point-of-sale and online acquiring alongside a consumer app and a physical card. A customer pays in any supported coin, the merchant is credited in euros at settlement, and the rate is locked at the moment of payment so the gateway carries the volatility.

Its stack combines ERC-20 with a directed acyclic graph: tokenised bookkeeping runs on an EVM chain while confirmation and clearing use the graph structure, cutting waiting time and miner fees and bringing acquiring fees into the 0.3% to 0.5% range. Beyond retail collection, the app pays utility bills such as electricity and gas in crypto, and the card connects the balance to a global acceptance network. The company is on the Bank of Spain register, took its point-of-sale design through the central bank's regulatory sandbox, and has adjusted compliance to MiCA requirements. Settlement completes per transaction, so merchants wait on no bank clearing cycle.