EN
The crypto your users ask for,
under your brand.
Trading, custody, transfers and stablecoins across 350+ crypto-assets, inside your own product. You earn a share of every trade.
Crypto-assets are a high-risk investment; their value can fall and capital can be lost in full. Crypto-asset services are provided by Kvarn Capital Ltd.
Everything your users expect from a crypto app, inside yours
Not a buy button bolted on. Your users get a complete crypto-asset service, with accounts opened with Kvarn Capital Ltd, without leaving your app. The regulated crypto-asset service is run by Kvarn Capital Ltd.
Trading
350+ crypto-assets against euro, from bitcoin and ether to MiCA-compliant stablecoins, with smart routing across multiple liquidity venues on every order.
Institutional-grade execution
Small retail orders and large ones run through the same execution stack: multi-venue liquidity, smart routing, best-execution monitoring and reporting.
Custody
Client assets are held by Kvarn Capital Ltd as a MiCA-authorised custodian, segregated from its own assets and recorded per client, on institutional wallet infrastructure.
Transfers
Your users move crypto-assets to and from their own wallets. Wallet verification and Travel Rule compliance are handled in the flow, not by your team.
Stablecoins
Euro and dollar stablecoins issued under MiCA, held and moved in the same account as every other asset. Often the first step for users who are new to crypto.
New revenue from users you already have
Your users are already buying crypto somewhere. Bring it into your app and every trade they make earns you a share of Kvarn X's fee. No crypto licence or custody build of your own: you integrate an API and keep the customer relationship.
Developer-friendly
A clean REST API, sandbox, webhooks and versioned documentation. Start building on day one, with Kvarn X's engineers on the same channel as yours.
350+ crypto-assets
From bitcoin and ether to MiCA-compliant stablecoins and the long tail, across all major networks. Kvarn X lists and maintains the range, so your offering grows without a roadmap item on your side.
BitcoinBTC
EthereumETH
SolanaSOL
USD CoinUSDCMiCA EMT
XRPXRPWhat this could be worth to you
Your revenue is simple: a share of Kvarn X's trading fee on every trade your users make. Move the sliders to see the shape of it. Illustrative only: 0.8% average trading fee, 50% partner share.
This calculator is provided for illustrative and educational purposes only. All results are based solely on user-provided inputs and assumptions, including crypto market conditions and transaction volumes, which are highly volatile and unpredictable. The outputs do not represent actual or guaranteed revenues and should not be relied upon for business decisions. Nothing here constitutes financial, legal, tax or investment advice, nor an offer or commitment by Kvarn Capital Ltd.
Your screens in front. Kvarn X behind them.
Identification
KYC, sanctions screening and client terms happen inside your flow. Kvarn Capital Ltd runs them and is accountable for them.
Deposits & disclosures
Payments in and out, client categorisation and the risk disclosures MiCA requires, all handled in the same flow.
Order execution
Orders are routed across venues under Kvarn Capital Ltd's best-execution obligations, with full trade reporting.
Custody & transfers
Client crypto-assets are segregated from Kvarn Capital Ltd's own, recorded per client, and withdrawable to users' own wallets.
Support & complaints
Regulated customer service and the statutory complaints process, staffed by Kvarn Capital Ltd.
You keep the customer relationship and the product. Kvarn Capital Ltd is the provider your users contract with, so the authorisations, client records and support desk sit with Kvarn Capital Ltd. It is clearly identified as the provider, including at account opening, in the client terms and in statements. Your own data processing stays limited to what your interface needs.
One licence that travels with you across the EEA
Authorised and supervised in the EU
Kvarn Capital Ltd is a crypto-asset service provider authorised under MiCA and supervised by the Finnish Financial Supervisory Authority. That supervision comes with the service. You don't apply for a separate CASP licence for this integration.
EEA-wide from day one
One authorisation, passported across the European Economic Area. Launch in every market you operate in, without a separate licensing project per country.
Running in production today
Kvarn X is a live consumer platform, not a sandbox. Your users get the same service, execution and custody as Kvarn X's own clients, with the same controls behind it.
Made for banks, fintechs, brokers and wallets
Banks & neobanks
Your customers already hold crypto elsewhere. Bring that activity home, inside the banking app they trust, with Kvarn Capital Ltd providing the crypto-asset service and no crypto custody of your own.
Crypto brands & former VASPs
Keep your audience, your brand and your product. Kvarn Capital Ltd carries the authorised service behind them, so you keep serving your users.
Investment platforms & brokers
Crypto sits alongside the stocks and funds your users already check every day. One more asset class, powered by Kvarn Capital Ltd.
Fintechs
Ship crypto as a feature, not a division. Integrate once and Kvarn Capital Ltd carries the licence, the custody and the compliance.
Wallets & Web3 apps
A regulated on-ramp inside your own app. Your users buy from Kvarn Capital Ltd and receive their crypto-assets straight into their own wallets.
Brands & communities
Turn an audience that already talks about crypto into users who trade it, on a regulated route and under your brand.
Four steps to live
- Step 01
Connect
Leave your details and the partner team gets in touch.
- Step 02
Agree
Partner onboarding and the Kvarn X Embedded integration agreement.
- Step 03
Integrate
Build in the sandbox with Kvarn X's engineers alongside you.
- Step 04
Go live
Launch, monitoring and monthly revenue-share reporting.
Our partners
Questions partners ask first
No, where you provide only the technical interface to Kvarn Capital Ltd's services. Kvarn Capital Ltd is the authorised provider and your users contract directly with it. Your own regulatory position depends on your role and your other activities, so assess it with your own counsel. This page is not legal advice.
A share of Kvarn X's fee on every trade your users make. Your users see Kvarn X's published prices; the revenue share is agreed with Kvarn Capital Ltd and paid out of Kvarn X's fee.
The interface. Identification, execution, custody and transfers run in Kvarn Capital Ltd's processes, under its authorisations. You integrate over the API and don't reimplement any of it.
Your app and your brand. Kvarn Capital Ltd is clearly identified as the provider, including at account opening, in the client terms, and in statements and confirmations.
That depends on your scope and your own release cycle. The regulated side is already built, so most of the calendar time is your integration and testing. The partner team gives you an indicative plan after the first call.
Your revenue share and any setup or ongoing charges are set out in the integration agreement. The partner team will walk you through the model that fits your channel.
Kvarn Capital Ltd. Customer support and the statutory complaints process come with the service, including the escalation routes Finnish law provides.
Yes. Transfers to and from users' own wallets are part of the service, with wallet verification and Travel Rule compliance handled by Kvarn Capital Ltd.
Kvarn Capital Ltd is the controller for the client relationship and the regulated service. Your processing stays limited to what your interface needs, and the split is documented in the integration agreement.
Any EEA country. Kvarn Capital Ltd's MiCA licence is passported across the European Economic Area.
Tell us about your channel
Leave a few details and the Kvarn X partner team will come back to you to talk through the integration, the agreement and your revenue share.
Prefer email? Write to the partner team at institutional@kvarncapital.com
Your brand on the screen. Kvarn Capital Ltd's licence behind it.
Crypto-asset services are provided by Kvarn Capital Ltd, Eteläesplanadi 24 A, 00130 Helsinki, Finland (Business ID 3288803-2), a crypto-asset service provider authorised under Regulation (EU) 2023/1114 (MiCA) and supervised by the Finnish Financial Supervisory Authority. Crypto-assets are a high-risk investment: their value can fall sharply and invested capital can be lost in full. Crypto-assets are not covered by investor compensation or deposit guarantee schemes. Partners provide the technical interface only. This page is addressed to businesses considering a partner integration, not to retail investors, and is not an offer, investment advice or legal advice. Any revenue figures shown are illustrative.