MiniPay vs Stables
On cashback Stables wins (up to 6%); for spending abroad FX markup matters, and MiniPay does better (0% vs 2%). The structural difference is custody: MiniPay leaves you the keys, while Stables holds funds on the platform. The choice depends on your real spending profile: redo the math with your volumes before picking between MiniPay and Stables.
| MiniPay | Stables | |
|---|---|---|
| Tier | B | A |
| Rating | ★ 4.0 | ★ 4.0 |
| Estimated net annual cost | €0 | €0 |
| Account fee | Free | Free |
| IBAN | condiviso | condiviso |
| Multi-currency | Yes · 2 currencies | Yes · 26 currencies |
| Outbound transfers to third-party IBANs | No | No |
| Utility direct billing | No | No |
| SEPA direct debit (SDD) | No | No |
| On-chain crypto withdrawal | Yes | Yes |
| SEPA transfer | Free | — |
| ATM withdrawal | not declared | not declared |
| Fund custody | Self-custody (funds in your control) | Custodial (platform holds funds) |
| KYC | Light | Full |
| Supported countries | AFRICA, EEA, APAC · 65+ countries | US, EEA, APAC, LATAM, MENA, AFRICA · 160+ countries |
| Regulator | none | AUSTRAC (Australia), Registro attività in valute virtuali (Polonia), FINTRAC (Canada) |
| OAM Italy registration | No | No |
| Segment | B2C | B2C |
| Regions | Africa, EU/EEA, APAC | US, EU/EEA, APAC, LATAM, MENA, Africa |
| Licences & safety | none | AUSTRAC DCE + AUSTRAC Remittance + VASP (Poland) + FINTRAC MSB (Canada) |
Frequently asked questions
MiniPay vs Stables: which is better?
On cashback Stables wins (up to 6%); for spending abroad FX markup matters, and MiniPay does better (0% vs 2%). The structural difference is custody: MiniPay leaves you the keys, while Stables holds funds on the platform. The choice depends on your real spending profile: redo the math with your volumes before picking between MiniPay and Stables.
Which is cheaper, MiniPay or Stables?
On the standard spending profile MiniPay has the lowest net annual cost: €0 versus €0 for Stables.
Which offers more cashback, MiniPay or Stables?
Stables has the highest cashback: up to 6%. Note the top rate often requires token staking and is subject to spending caps.
Is MiniPay custodial or self-custody?
MiniPay is self-custody: you keep the keys, while Stables is custodial.
Which is better for spending abroad?
For foreign-currency spending MiniPay wins, with the lowest FX markup: 0%.