Coinify alternative for stablecoin deposits
Unigox crypto processing is a Coinify alternative for platforms whose customers top up in USDT or USDC: you keep the stablecoins, and the amount that arrives is credited under your reference. Keep Coinify for fiat settlement, bitcoin and store plugins.
When to stay with Coinify
You want the money paid out in fiat
Coinify holds merchant funds and pays them out on the schedule set in your account, usually weekly, in fiat or in crypto, and an invoice issued in a traditional currency is credited in that currency. Unigox crypto processing credits your Unigox balance in the stablecoin the customer sent. Setup confirms the local currencies you can convert into and withdraw.
Your customers pay in bitcoin or through your store
Coinify takes bitcoin, ether and other coins as well as stablecoins, has WooCommerce and WHMCS plugins, and sends invoices and payment links from its dashboard with no integration. Unigox is for stablecoin payments, and your team builds the checkout or top-up screen.
You need a MiCA-authorised firm
Coinify ApS is authorised under MiCA as a crypto-asset service provider, with the Danish FSA as its competent authority, and passports that authorisation to France. If your compliance policy asks for a MiCA-authorised counterparty, keep Coinify.
How Coinify and Unigox handle top-ups
| Topic | Coinify | Unigox |
|---|---|---|
| What it is | Crypto payments for merchants: an API, store plugins, invoices, payment links and in-store payments, plus a deposit and withdrawal solution for e-wallets and FX brokers. | Crypto processing: an address per invoice or customer, tied to your reference, for USDT and USDC payments credited to your Unigox balance. |
| Coins and networks | USDC on Ethereum, Base, Arbitrum, Optimism, Polygon, Avalanche, BNB Smart Chain and Solana; USDT on Tron, Ethereum, BNB Smart Chain, Polygon and Solana; bitcoin, ether and other coins. | 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. |
| How a top-up is requested | Your server creates a payment intent for an amount and the customer pays its quote; the intent expires when the latest quote expires. A self-hosted checkout first registers the customer and the wallet they pay from. A webhook signed with HMAC-SHA256 reports completed or failed. | Your backend requests an address under a customer or invoice reference, and the customer keeps that address for later top-ups with no Unigox account. A signed notification carries the reference and the amount received. |
| Short, extra or late payments | By default an underpayment or a late payment fails and is refunded where possible; accepting them is a setting for BTC payments only. Deposit Solution surplus and short deposits are refunded, and an administration fee may apply. A refund of a wrong-network payment, where possible, costs 20 EUR. | Your system receives the amount that actually arrived and applies your own rules to short or extra payments. |
| Where the money lands | Your merchant balance, paid out usually weekly in fiat or crypto. A conversion margin applies when the payment and account currencies differ, and an international bank payout costs 15 EUR. Deposit Solution top-ups are converted into traditional currency. | Your Unigox balance, credited as each top-up arrives, in the stablecoin the customer sent. Pricing is agreed with you before the first payment. |
| Trade widget | A trade widget for exchanges, wallets and dApps, added with one line of code after KYB and a contract; Coinify runs liquidity, KYC checks and support. | The Crypto widget: your users buy and sell USDT or USDC from one embed code, Unigox runs sign-up, identity checks and the trade, and you set a markup on sells. |
| Regulation | Coinify ApS, Denmark: authorised under MiCA as a crypto-asset service provider (competent authority: the Danish FSA); registered with FinCEN in the United States. | 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 top-ups from Coinify
Book a setup call
Tell us the networks, stablecoins and volumes you expect. We agree integration access and pricing with your company before the first top-up; Coinify's merchant approval does not carry over.
Confirm networks and coins
We confirm which stablecoins you can take on each network before the first top-up, so your checkout shows only those.
Point top-ups at your new addresses
Give each customer an address under their reference, show the network and stablecoin beside it, and let each signed notification update their balance. Bitcoin, fiat payouts and store plugins can stay on Coinify.
Common questions about Coinify
Which Coinify alternative keeps deposits in stablecoins?
Among Coinify alternatives, Unigox crypto processing fits if your customers top up in USDT or USDC and you want to hold stablecoins rather than fiat. Each customer keeps an address under your reference, and the amount that arrives is credited and reported. For bitcoin, fiat payouts to your bank and store plugins, Coinify covers more.
What are Coinify's fees for merchants?
Coinify's merchant fees article lists no sign-up or payment processing fee; its pricing disclosure lists a processing fee set by industry, monthly volume and settlement currency. Both list a currency conversion charge, and the disclosure adds a risk margin of 0.3% to 1% while a quote is held for 15 minutes. Bank payouts are free by SEPA and cost 15 EUR abroad, with a 250 EUR minimum. Bitcoin payouts cost 0.0001 BTC. Its merchant terms charge 20 EUR to refund a payment sent on the wrong network or asset, and allow an inactivity fee. The trade widget shows the fees on the trade preview and includes a spread in the price. Unigox agrees crypto processing pricing with your company before the first payment.
How does the Coinify API compare with Unigox?
With the Coinify Payments API you create a payment intent for an amount, the customer pays a quote that expires, and a webhook signed with HMAC-SHA256 reports completed or failed. With Unigox your backend requests an address tied to an invoice or customer reference, gets a signed notification with the reference and the amount received, and can look up a transfer's status.
Is there an alternative to the Coinify trade widget for USDT?
The Unigox Crypto widget: your users buy and sell USDT or USDC from one embed code, Unigox handles sign-up, identity checks and the trade, and you can add a markup on sells. For a wider choice of coins, Coinify's widget offers more.
See the Crypto widgetTalk to us about stablecoin top-ups
Tell us the networks, stablecoins and monthly volumes you expect, and whether your users also need the Crypto widget. We confirm setup and pricing before you build.
Coinify 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.