Delivering fast, cost-effective EUR deposits and withdrawals for a leading European digital asset platform
Founded in 2014, zondacrypto has grown into one of Europe’s largest digital asset trading platforms, serving more than one million users across multiple European markets. Originally launched in Poland, the company has since expanded across Estonia, Italy, Switzerland, and other countries across the region. From the outset, zondacrypto has focused on making digital assets more accessible. Through intuitive tools, customer education and a strong commitment to regulatory standards, the platform enables users to trade and spend cryptocurrencies with greater confidence. Today, zondacrypto supports transactions across more than 50 coins and tokens, offering trading pairs with traditional fiat currencies including EURand PLN, alongside stablecoins such USDC and core crypto assets including BTC and ETH. Beyond its exchange, the company continues to develop services such as zondacrypto FIAT Exchange and zondacrypto Pay. As a regulated platform, zondacrypto operates under the supervision of the Estonian Financial Intelligence Unit (FIU) and applies robust anti-money laundering (AML) and Know Your Customer (KYC) procedures, embedding compliance and user protection into its day-to-day operations.
The challenge – affordable and reliable EUR transfers for users
As zondacrypto expanded its European customer base, the experience of depositing and withdrawing EUR became increasingly central to overall customer satisfaction. For a digital asset exchange serving users across multiple jurisdictions, transfer costs, processing times and availability all directly affect how customers interact with the service. zondacrypto required a EUR transfer setup that could:
- Keep costs low and predictable for customers
- Support faster deposits and withdrawals to and from user bank accounts
- Allow transfers outside standard banking hours where possible
- Align with the regulatory and compliance expectations placed on crypto platforms
While card-based funding options were available, they were not well suited to frequent or higher-value EUR transfers. As the platform increased its focus on euro-denominated markets, an alternative approach was required.
A compliance-led payments partner built for crypto platforms
Following its assessment, zondacrypto selected Clear Junction as its EU payments partner, citing its transparent operating model, straightforward integration process and competitive pricing structure. Clear Junction supports regulated digital currency businesses with pay-in and pay-out of customer funds, helping exchanges offer customers a practical way to deposit EUR to purchase digital assets and withdraw funds back to their bank accounts. For zondacrypto, the decision was shaped by several key considerations:
- A simple EUR fee structure, avoiding percentage-based withdrawal charges
- Support for EUR deposits and withdrawals via SEPA Instant
- Automated processing, as reflected in the end-user experience
- An operating model aligned with the regulatory environment the platform works within
- A straightforward implementation process
The partnership centred on supporting EUR deposits and withdrawal flows via SEPA Instant, with Clear Junction acting as zondacrypto’s dedicated payments partner for these transactions Implementation was completed within days, with no significant operational disruption. The solution was introduced for verified users across supported European markets without requiring major platform changes.
The result – clearer pricing and faster EUR transfers
With SEPA Instant transfers in place, zondacrypto introduced a simplified and more transparent EUR pricing structure for users:
- EUR deposits remain free of charge
- EUR withdrawals are charged at a flat €1 fee, regardless of transaction size
- SEPA Instant transfers allow funds to arrive in as little as around 15 minutes, where supported by the user’s bank
- Transfers are available 24/7, including weekends and public holidays (where SEPA Instant is supported)
- Higher transfer limits, allowing single withdrawals of up to €100,000
This structure gives users greater clarity over costs and timing when moving EUR on and off the platform. The flat-fee model is particularly beneficial for larger withdrawals, avoiding the higher charges often associated with percentage-based pricing. zondacrypto reports positive customer feedback following the rollout, particularly as the platform expanded its presence in euro-denominated markets. The enhanced EUR transfer experience has supported wider adoption by making deposits and withdrawals easier to understand and use.
Building payments that support long-term growth
By partnering with Clear Junction, zondacrypto has strengthened a core part of its platform: how users move EUR in and out. With faster transfers and a clear, flat-fee structure in place, the exchange is well positioned to support continued activity across European markets.
Get in touch
Clear Junction works with regulated crypto platforms, fintechs and payment institutions to support the pay-in and pay-out of customer funds, including access to SEPA and SEPA Instant for EUR transfers. To learn more about how Clear Junction can support your payments requirements, get in touch with the team.
