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What is Mercuryo ? A crypto -fiat gateway that facilitates access to cryptocurrencies
Mercuryo Fiat funds to cryptocurrencies and vice versa, while providing integration within a Custodial Wallet . This service is positioned as a cryptocurrency gateway , aimed at filling the gap between the traditional banking world and the blockchain ecosystem.
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Mercuryo, what is it? A hybrid solution to connect Fiat and Crypto
While non -custodial wallets Metamask or Trust Wallet focus on the autonomous management of private keys but do not natively manage Fiat currencies, Mercuryo offers an integrated approach. Indeed, the platform acts both as a conversion service and as a temporary storage tool for funds, thus simplifying the management of digital assets for all types of users.
Mercuryo , what is it? Key features
The specificity of Mercuryo lies in its ability to bring together several functions within the same environment:
- Instant conversion: allows you to quickly transform Fiat (euros, dollars, etc.) currencies into cryptocurrencies (bitcoin, Ethereum, etc.) and vice versa, without multiplying the interfaces.
- Custodial portfolio management: Funds are temporarily stored by the platform, eliminating the need for the user to manage their private keys directly.
- API and widget integration: facilitates the incorporation of service into dApp or other websites , thus offering a key-in-one solution for businesses.
- Integrated KYC : Identity verification is carried out to ensure compliance with regulatory standards and secure transactions.
- Mastercard debit card: thanks to their partnership, users can directly spend their converted assets in more than 100 million points of sale.
Mercuryo , what is it? The need for conversion integrated into the crypto ecosystem
In the current cryptocurrency , many users have non -custodial wallets to benefit from total control over their assets. Fiat funds to be integrated without using an external service. The result is a fragmentation of the user experience, which requires going through another application (generally a centralized exchange) to buy, sell or convert its assets.
Mercuryo fills this gap by proposing an interface where, in a few clicks, carry out these conversion operations. This results in a significant reduction in friction during transactions and better accessibility.
Mercuryo , what is it? Concrete use of service in a wallet
Take the case of Julien, a user who has a Wallet Ledger to store their cryptocurrencies . He wishes to buy Eths using his bank card , without going through a centralized exchange like Binance or Coinbase , and receive the funds directly on the Ethereum from his Ledger portfolio.
Julien opens the Ledger Live , which is the official management of the Ledger portfolio. "Buy/Sell" tab , he chooses the "Buy Cryptos" . He starts with:
- Select the cryptocurrency - here, Ethereum (ETH).
- Choose the amount he wants to buy (for example, 150 euros).
- Define the payment method: bank card, SEPA transfer, other ...
At this stage, Ledger Live offers him a list of payment service providers available according to its location, the costs applied and the processing times. Among these providers, for example, are MoonPay , Banxa , Coifife , and Mercuryo .
Julien selects the one that suits him best by comparing the conversion rates and the costs. It is redirected to an integrated interface directly in Ledger Live, without leaving the application. He enters the information of his bank card, checks his identity via the KYC if it is his first use, and confirms the purchase.
A few minutes later, the ETH are credited directly to the Ethereum address of its Ledger . No account creation on an Exchange, no intermediate transfer from a centralized platform: the purchase was made in a few clicks, with the assurance that the funds have arrived safely on its non -Custodial Wallet .
This type of integration perfectly illustrates the role of Mercuryo : offering a Fiat-Crypto gateway , directly accessible from a personal Wallet. Thanks to this approach, users keep control of their assets while taking advantage of direct access to the conversion services , without having to leave the ecosystem of their wallet.
Applied costs: the counterpart of simplicity
Services like Mercuryo , MoonPay or Banxa offer a quick and integrated solution to buy cryptocurrencies directly from a non-custodial wallet , without going through a centralized exchange platform. This simplicity has a price. The costs applied by these providers are generally higher than those found on exchanges .
Take an example: for a purchase of 150 euros of Ethereum , a service like Mercuryo typically applies:
- Transaction costs around 0.95 % to 3.5 % depending on the payment method (card or transfer),
- A margin on the conversion rate which can go up to 1-2 % compared to the market price,
- network fees , which vary according to the blockchain used.
Conversely, a user who buys the same amount of cryptocurrencies on a centralized exchange like Bitvavo, Binance or OKX will pay:
- Very low transaction costs (often between 0.1 % and 0.4 % depending on the level of the user),
- Frames for the on-chain transfer to its external wallet (generally a few cents at a few euros depending on the blockchain, if possible avoid Ethereum ).
In total, the route via a CEX + transfer to its Wallet Ledger is often less expensive , especially for high amounts. On the other hand, it requires more steps, from the creation of an account to the configuration of the withdrawal, which can represent a constraint for beginners or those who seek an immediate and friction solution.
In summary, with providers like Mercuryo , the user pays for an additional intermediary in exchange for a simplified and direct experience : no need for an exchange , no manual transfer to manage, no risk of address error. This makes it a particularly interesting option for fast purchases, to start in cryptocurrencies or for direct integration into a dApp or a mobile wallet .
Technical operation and infrastructure
Mercuryo 's robustness is based on a technical infrastructure designed to manage conversion and transaction operations in real time. The following technical points illustrate this performance:
- Effective API: The programming interface allows partners to easily connect the service to their platforms, thus guaranteeing a constant and secure data flow.
- Multi -chaînes support: The platform is compatible with various standards, including ERC -20, BEP - 20 and other blockchain protocols, ensuring an essential interoperability for the conversion of multiple assets. At present, it supports just under fifty assets .
- Automated process: The conversion system is based on real -time pricing algorithms.
- Compliance controls: KYC protocols are integrated to comply with regulatory compliance.
Conclusion: What is Mercuryo?
Ultimately, Mercuryo is a solution that connects the Fiat world and the Cryptocurrency. It allows users to access conversion and payment services from an integrated interface. This positioning, comparable to that of MoonPay, is distinguished by a simplification of experience, facilitating integration into custodial wallets to offer both the purchase of cryptos and the concrete use of funds through a debit card.
For those who already use non -custodial wallets and want to fill the gap between digital asset management and transactions with traditional currencies, Mercuryo represents an option to explore. By bringing together the Fiat - Crypto conversion, temporary storage and payment integration on a single platform, it offers a simple and effective alternative to more fragmented solutions currently on the market.
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AMF recommendations. There is no guaranteed high yield, a product with high performance potential implies a high risk. This risk taking must be in line with your project, your investment horizon and your ability to lose part of this savings. Do not invest if you are not ready to lose all or part of your capital.
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Yohan Uzzan
Training engineer, I quickly became interested in the field of finance. Convinced that decentralized finance has a bright future ahead of it, I participate in its democratization by developing Crypternon.
