CoinsPaid: a Practical Crypto Payments Stack for B2B

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Businesses don’t adopt a new payment method because it’s exciting, let’s be honest. They do it because the current systems start getting in the way: costs climb, settlement slows down, certain regions become hard to serve, and customers begin asking for alternatives that feel normal to them.

That’s basically where crypto payments sit in late 2025. We’re far past the realm of novelty. For the right B2B models, they’re a second option that can improve conversion, shorten the time between “paid” and “usable,” and reduce some of the friction that comes with cross-border growth.

At CoinsPaid, we’ve built an ecosystem around processing, custody, liquidity and compliance so businesses can actually run crypto payments at scale, instead of bolting on a wallet and hoping for the best.

Let’s look at all of this in more detail.

The real problems B2B companies run into with payments

When clients come to us, it’s rarely because they want “more crypto.” It’s usually because something in their payment stack is costing them money or slowing growth.

Common themes we encounter are:

• Cross-border fees that keep stacking up. It’s not just the headline fee. It’s intermediaries, FX, banking fees, and the “invisible” cost of exceptions and manual work.
• Settlement that takes too long to be operationally useful. In B2B, timing matters. Waiting days to fully clear funds is a real constraint when you’re scaling.
• Banking restrictions that appear without warning. Certain geographies, certain merchant categories, certain counterparties. Limits can change fast, and businesses get caught in the middle.
• Not enough flexibility in how you manage funds. Companies want options: accept, hold, convert, and move value efficiently without building a whole treasury operation around it.
• Clients asking for alternatives that feel natural to them. In some verticals, crypto is already a default preference for a meaningful slice of users.

Let’s now move on to the solutions that crypto can offer.

Why crypto payments can turn into a growth driver

Crypto becomes a growth lever when it does two things well: it removes friction for the end user, and it gives the business more control over how money moves.

In practice, the wins tend to fall into four buckets:

• Speed and global reach. If a user can deposit quickly from almost anywhere, your addressable market expands without you rebuilding your banking footprint.
• Competitive edge. In industries where deposits are part of the core product experience, faster and smoother payments can be a real differentiator.
• Better retention through a cleaner payment experience. People come back to platforms where deposits are predictable and painless.
• Lower operational overhead. If your setup reduces disputes, failed payments, or manual reconciliation, it frees time and margin.

One thing I’ll stress as an opinion: “adding crypto” isn’t the point. The point is to make deposits succeed more often. That’s the metric that matters.

How the CoinsPaid ecosystem fits together

From the outside, crypto payments can look like a single feature. In reality, a working B2B setup needs multiple layers: processing, custody, conversion, compliance, security. That’s why we built CoinsPaid as an ecosystem rather than a single product.

Here’s the simple view of the components:

1. Crypto Processing

The payment acceptance layer: deposits, settlement routing, and the mechanics that let you offer crypto as a proper payment rail.

2. Business Wallet

Where funds are held and managed operationally. This matters for companies that need visibility, control, and clean workflows.

3. OTC Desk

A liquidity layer for clients who want predictable conversion and settlement outcomes, especially at higher volumes.

4. Compliance tools

The checks and processes that let businesses scale safely and avoid setting up problems for later.

5. Security infrastructure

Not optional in B2B. If you’re handling meaningful volume, security has to be designed in.

What clients usually care about

Over the hundreds of conversations we’ve had with our customers, it’s clear that most B2B teams care about a few very specific outcomes:

• Cost efficiency. Fewer intermediaries and better control over payment economics as volume grows.
• Faster settlement. Shorter time from deposit to usable funds can improve operations and customer experience.
• Transparency. Clear transaction tracking and simpler reconciliation compared to messy cross-border banking flows.
• Integration speed. Businesses want something that can go live without months of engineering work.

In a sense, our work is about hitting each of those nails in perfect sequence.

The value of a Strategic Account Manager

The title might sound a bit like corporate sesquipedalianism – but I do exactly what I say on my tin. I oversee the strategy of each client account. Strategy is what differentiates simply “switching on” crypto payments with maximising the value of the solution over time.

A good B2B payment setup is never finished. User preferences shift, networks become more popular, and what worked six months ago can start leaking conversion today. I stay close to the client’s goals and the data, so we can spot where deposits fail or drop off, and fix the causes rather than just “adding more options.”

In practical terms, that means:

• Looking at deposit behaviour and where friction appears in the flow;
• Recommending assets and networks based on real demand, not guesswork;
• Coordinating changes with internal product and tech teams so improvements go live;
• Helping the client treat crypto as a performance channel they can optimise, not a static integration.

If you boil it down: I help clients convert more users and grow volumes without creating compliance or operational debt.

Success story: EU-based proprietary trading platform

This is a good example because it’s a very common pattern in prop trading.

The situation: the platform relied heavily on card payments. That worked for some users, but it created friction for international clients and exposed the business to chargebacks and disputes. At the same time, a growing part of their audience preferred paying with digital assets, and the platform didn’t want to lose those users at the deposit step.

Challenges

• Payment choice was too limited for global, digital-first users.
• Chargebacks and disputes were consuming time and margin.
• Cross-border deposits were slower and more expensive than they needed to be.

What we did

We introduced crypto payments as an additional method and set up automatic conversion so settlement stayed predictable.

We also worked on the deposit journey itself, because fewer steps usually equals higher completion rates.

The rollout started with the assets and networks users were asking for most, then expanded using actual deposit data rather than assumptions.

Compliance alignment was part of the setup from day one, so scaling wouldn’t become painful later.

Results after launch

• A meaningful share of users adopted crypto deposits quickly.
• Deposit conversion improved, which translated into a clear revenue lift.
• Transaction costs came down and chargeback exposure dropped.
• The platform widened its global reach with a faster, borderless deposit option.

Indeed, if you pair the right assets and networks with a clean user flow, crypto doesn’t just “add another payment method.” It improves deposit success and supports volume growth.

What I’m seeing across the market in early 2026

If I had to summarise the shift in one line: crypto payments are moving from “alternative” to “normal,” and stablecoins are a big reason.

Trends of note

• Stablecoins are the default growth engine. They consistently deliver the most predictable behaviour: better conversion, cleaner volumes, less volatility anxiety.
• Network choice is becoming as important as asset choice. Users often prefer the fastest or cheapest route. Supporting the networks they already use tends to lift deposit success rates.
• Compliance is now part of the product expectation. Especially in Europe, businesses are looking for providers who can help them scale without stepping into avoidable risk.

Predictions

I expect regulated stablecoins (including euro-denominated ones) to grow quickly in Europe, and that will pull more traditional B2B companies into crypto.

Cross-border settlement will be one of the biggest winners, because the pain points are obvious and the improvements are tangible: faster movement, better cost predictability, fewer intermediaries.

Regulation will still decide the pace market by market, which is why guidance and proper setup will matter more, not less.

Fastest-growing sectors (based on what I see in volumes and demand)

• Digital-first verticals like iGaming and online entertainment.
• Cross-border e-commerce and B2B services.
• Travel and higher-ticket retail, where users are naturally international.

My view is that the winning approach in 2026 is to treat crypto like a channel you can optimise: support what users actually want, reduce friction in the deposit journey, and keep the setup aligned with compliance realities.

Final thoughts

For B2B companies operating globally, crypto payments are a no-brainer.

When they’re implemented with the right assets, network coverage, settlement logic and compliance foundation, they can improve conversion, reduce costs, and expand reach.

CoinsPaid is built for businesses that want to treat crypto payments as part of a serious payment stack. When you combine the platform with active account management, you avoid the “set it and forget it” trap and keep improving performance as the market shifts.