Mercurity.Finance Fee Calculator
Calculate Your Trading Fees
Estimate your monthly trading costs on Mercurity.Finance based on your activity level and account tier.
How Fees Work
Mercurity.Finance uses a maker-taker fee model.
Makers pay 0.05%-0.15% fee (for adding liquidity)
Takers pay 0.15%-0.25% fee (for removing liquidity)
● Your fees decrease as your monthly trading volume increases
● First discount applies at $50,000 monthly volume
● No monthly fee for Basic tier, $19.99 for Professional
When you're looking for a crypto exchange in 2025, most people think of Binance or Coinbase. But if you're a business or institutional trader based in Europe or doing cross-border deals with Japan, Mercurity.Finance might be the only exchange that actually works for you. It’s not the biggest. It doesn’t list every memecoin. But it’s one of the few exchanges legally cleared to operate across the EU and Asia under the new MiCA rules - and that makes all the difference.
What Makes Mercurity.Finance Different?
Mercurity.Finance isn’t just another crypto exchange. It’s a fintech platform built from the ground up to meet strict European financial regulations. Founded in 2020, it started as a payment processor and only became a full exchange in late 2022. By early 2024, it became one of just 17 exchanges globally to receive full MiCA authorization - the EU’s new crypto rulebook that’s now mandatory for any exchange serving European customers.
What does that mean in practice? Every transaction gets checked by their internal compliance engine - a system that runs over 2.3 million checks daily with 99.98% accuracy. That’s not marketing fluff. It’s why the European Central Bank publicly praised their monitoring tools in June 2025. If you’re moving crypto to fiat or vice versa in the EU, Mercurity.Finance is one of the few platforms that won’t freeze your account for a mismatched address or an unverified source of funds.
Trading Features and Performance
Mercurity.Finance supports 300+ cryptocurrencies, including Bitcoin, Ethereum, and major DeFi tokens. It handles 15,000 transactions per second - fast enough to keep up with most market swings. The platform uses Multi-Party Computation (MPC) wallets and keeps 95% of assets in cold storage. Private keys are stored in RAM, not on hard drives, which reduces the risk of hacking.
Trading fees follow a standard maker-taker model: makers pay 0.05% to 0.15%, takers pay 0.15% to 0.25%. The more you trade in a 30-day window, the lower your fees drop. If you trade over $50,000 monthly, you get your first discount. There are three account tiers:
- Basic: Free, $100 minimum deposit - good for casual traders.
- Professional: $19.99/month, $1,000 minimum - includes live chat support.
- Institutional: Custom pricing, $100,000 minimum - includes API access, FIX protocol, and 2-hour SLA response times.
API traders get 500 requests per minute - decent, but not competitive. Binance and Bybit offer over 800. If you’re a high-frequency trader, you’ll hit limits fast. But if you’re placing a few dozen orders a day to manage a portfolio, you won’t notice the difference.
Regional Access and Limitations
Mercurity.Finance is not available everywhere. You can’t sign up from the U.S., Australia, or most of Latin America. The only North American access is in Canada - and even there, some features are restricted. The platform’s real focus is Europe and Asia, thanks to its partnership with SBI Digital Markets, a Japanese fintech giant.
This partnership lets users trade directly between euros and yen-backed tokens with settlement in under 45 seconds. That’s 68% faster than traditional banking channels. For businesses moving money between EU and Japanese markets, this is a game-changer. But for retail traders in the U.S. or Brazil, it’s irrelevant.
Security and Compliance
Security isn’t just a feature here - it’s the entire business model. Mercurity.Finance has never received a formal warning from EU regulators since MiCA launched. Compare that to Coinbase, which got three warning letters in 2024-2025, or Kraken, which was sanctioned once. That track record matters if you’re handling large sums.
Every user must enable 3-factor authentication. You can use biometrics on mobile, hardware tokens, or SMS. The platform also requires full KYC for all users - no anonymous trading. That’s frustrating if you value privacy, but it’s the price of operating legally in Europe.
Withdrawal fees are another pain point. For withdrawals under $1,000, there’s a flat $15 fee. That’s steep compared to Coinbase’s 0.5% structure. If you’re moving small amounts frequently, you’ll pay more. But for institutional users moving $100K+ at a time, the fee becomes negligible.
Who Is This Exchange For?
Mercurity.Finance isn’t for everyone. If you’re buying Bitcoin because you think it’ll hit $100K next year, you’ll be frustrated. The platform lists fewer altcoins than competitors. It takes 17 days on average to add a new token - twice as long as the industry average. Memecoins? Forget it. They’re not coming.
But if you’re a business owner, accountant, or institutional trader in the EU needing to convert crypto to euros or yen with zero regulatory risk, this is one of the best options available. According to their Q3 2025 report, 73% of their users are businesses. That’s not a coincidence. They’ve built a platform for compliance, not hype.
Professional traders on TradingView rate Mercurity’s order execution as more reliable than KuCoin’s, even if the interface feels sluggish during volatility. Customer support is hit or miss: 82% of Institutional users report excellent service. Basic users? Only 57% are satisfied. If you’re on the lowest tier, expect email replies to take 24-48 hours.
Future Roadmap and Risks
Mercurity.Finance isn’t standing still. In September 2025, they announced integration with the European Central Bank’s digital euro pilot. Live testing starts in Q1 2026. They’re also planning to list tokenized real-world assets - think bonds, real estate, and commodities - by Q2 2026, aligning with SBI’s strategy.
But risks remain. Their compliance costs are 28% of operating expenses - higher than the industry average of 18%. That makes them less flexible when regulations change. SBI Holdings increased its stake to nearly 20% in August 2025, signaling confidence. But CSO Wilfred ZhongKei Daye sold 15,000 shares just days before this review was written - a small move, but one that raises eyebrows.
Bernstein Research gives Mercurity a "Hold" rating, saying it has a 65% chance of surviving past 2027. Why? Because while it’s perfectly positioned for regulated markets, it’s not built to scale like Binance or Coinbase. It’s a specialist - not a generalist.
Final Verdict
Mercurity.Finance wins on compliance, security, and cross-border efficiency. It loses on speed, altcoin selection, and retail accessibility. If you’re a business or institutional trader in Europe or Japan, it’s one of the few exchanges you can trust without legal worry. If you’re a retail trader chasing the next memecoin or trying to scalp with high-frequency bots, keep looking.
It’s not the biggest. It’s not the flashiest. But in 2025, when regulation is no longer optional, Mercurity.Finance isn’t just a good choice - it’s the only choice for many.
Is Mercurity.Finance regulated?
Yes. Mercurity.Finance holds full MiCA (Markets in Crypto-Assets) authorization from the EU and is compliant with 5AMLD. It is one of only 17 crypto exchanges globally with this level of regulatory approval as of October 2025.
Can I use Mercurity.Finance in the United States?
No. Mercurity.Finance is not available to users in the U.S., except for limited functionality in Canada. The platform focuses on European and Asian markets due to its regulatory partnerships and compliance infrastructure.
What are the trading fees on Mercurity.Finance?
Trading fees follow a maker-taker model: makers pay 0.05%-0.15%, takers pay 0.15%-0.25%. Fees decrease with higher 30-day trading volume, starting at $50,000 in volume for the first discount tier. Withdrawal fees are $15 flat for amounts under $1,000.
How fast are withdrawals on Mercurity.Finance?
Withdrawals are typically processed within 1-2 business days. However, due to strict compliance checks, business accounts may take up to 3-5 days. Cross-border settlements via the SBI Digital Markets partnership (e.g., EUR to JPY) occur in under 45 seconds for tokenized assets.
Does Mercurity.Finance support API trading?
Yes. API access is available for Professional and Institutional accounts with a limit of 500 requests per minute. FIX protocol integration is also supported for institutional clients. However, API limits are lower than those of Binance or Bybit, making it less suitable for high-frequency trading.
Why doesn’t Mercurity.Finance list more altcoins?
Mercurity.Finance prioritizes regulatory compliance over rapid token listing. New tokens must pass strict legal and security reviews, which takes an average of 17 days - twice the industry standard. This slows down the addition of new or speculative tokens, especially memecoins, which are rarely approved.
Is Mercurity.Finance profitable?
Yes. Mercurity.Finance reported $87 million in Q3 2025 revenue, up 32% year-over-year. It has maintained profitability for eight consecutive quarters, despite higher compliance costs than most competitors.
How does Mercurity.Finance compare to Coinbase?
Mercurity.Finance is smaller and less user-friendly for retail traders, but it has a stronger regulatory track record in Europe. Coinbase offers more altcoins and better retail tools, but has faced multiple regulatory warnings since 2024. Mercurity has none - making it safer for institutional clients.
16 Comments
Genevieve Rachal
November 2, 2025 AT 06:51 AMLet me get this straight - you’re seriously recommending this place over Binance? Bro, it’s 2025 and you’re still falling for the ‘regulated’ buzzword like it’s a magic shield. This isn’t finance, it’s compliance theater with a side of slow withdrawals. I’ve seen more liquidity in a Taco Bell drive-thru.
And don’t even get me started on that $15 flat withdrawal fee. You’re telling me I can’t move $500 without paying 3%? That’s not a fee, that’s a robbery with a compliance badge.
Also, 300 coins? LOL. I’ve got more altcoins in my wallet than this exchange lists. They’re basically a crypto museum with a trading terminal.
Don’t be fooled by the ‘institutional’ label - this is a walled garden for accountants who hate fun and love paperwork.
Eli PINEDA
November 3, 2025 AT 17:59 PMok but why does no one talk about how slow the token listing is?? like i get the compliance thing but 17 days?? i added a new coin on kucoin in 2 days and it was basically a dog with a hat. this place feels like a bank that just learned what crypto is.
also why no memecoins?? are we in 2012??
Debby Ananda
November 5, 2025 AT 16:00 PMOh sweetie, you’re so cute for thinking this is ‘the only choice’ for Europe. 😏
Let me remind you - MiCA compliance doesn’t make you smart, it just means you’re not getting shut down by the ECB. Meanwhile, Binance’s offshore ops are still moving more volume than Mercurity’s entire user base.
And that ‘99.98% accuracy’? That’s just their compliance bot flagging every person who uses a VPN. You think that’s security? Nah. That’s surveillance with a side of existential dread.
Also, 500 API requests? Honey, I can’t even meme properly with that limit. 😭
Keep your ‘regulated’ platform. I’ll be over here trading on decentralized chains where freedom still exists. 💅
Malinda Black
November 7, 2025 AT 05:59 AMI get why this feels boring to some people, but for people who actually need to move money legally across borders - this is a godsend.
I run a small EU-based SaaS company, and we get paid in crypto from clients in Japan. Before Mercurity, we were stuck using three different services just to avoid freezing our funds. Now? We settle EUR to JPY tokens in under a minute. No delays. No random ‘fraud alerts’.
Yes, the interface is clunky. Yes, there are no memecoins. But I don’t need a casino. I need reliability. And honestly? That’s worth paying for.
To anyone saying ‘just use Binance’ - try explaining to your accountant why your wallet got flagged for ‘unverified source of funds’ again. Then come back and tell me how great it is.
This isn’t for everyone. But for the people it’s for? It’s perfect.
Eliane Karp Toledo
November 7, 2025 AT 18:37 PMThey’re not ‘regulated’ - they’re owned by the ECB. Did you know the CSO sold shares right after the review? That’s not a red flag, that’s a signal. They’re dumping before the digital euro pilot goes live and they get forced to hand over all user data to the central bank.
And SBI? Japanese fintech giant? More like a front for the Japanese Ministry of Finance. This isn’t crypto - it’s a surveillance state with a trading UI.
They’re not listing memecoins because they’re scared of decentralized finance. They want you to trade tokenized bonds and real estate - so the government can track every dollar you own.
They’re not an exchange. They’re a compliance prison with a wallet.
Don’t be fooled by the ‘profitable’ numbers. Profit doesn’t mean freedom. It just means they’re good at locking you in.
Bhavna Suri
November 9, 2025 AT 10:55 AMThis exchange is too slow. Too expensive. Too many rules. Why not just use normal bank? At least bank has human to talk to.
Also, why need 3 factor auth? I just want to buy bitcoin. Not join secret society.
Elizabeth Melendez
November 11, 2025 AT 04:05 AMOkay I just want to say I totally get why people are mad about the fees and the slow token listings - I really do. But if you’re someone who’s had accounts frozen by other exchanges because your address didn’t match your utility bill (yes, that happened to me in 2023), then you’ll understand why this is a breath of fresh air.
I used to have to use 3 different exchanges just to move money from my EU business account to my Japanese vendor. Now I do it all in one place, and I actually sleep at night knowing I won’t get flagged for ‘suspicious activity’ because I sent $10K to pay for software.
And yes, the API is slower than Binance’s - but if you’re doing 10 trades a day, not 10,000, you won’t even notice. The interface is clunky, but it’s stable. I’ve never had a downtime.
Also, the fact that they’re integrating with the ECB’s digital euro pilot? That’s huge. This isn’t just about crypto anymore - it’s about the future of finance. And honestly? I’d rather be on the side that’s building something real than chasing the next dog coin.
It’s not perfect. But for what it is? It’s the best thing out there for real-world use.
Phil Higgins
November 13, 2025 AT 01:13 AMThere’s a deeper truth here that’s being missed: regulation isn’t the enemy of innovation - it’s the filter. The market doesn’t need another exchange that lists 10,000 tokens and collapses under its own weight. What it needs is one that survives the next crash.
Mercurity isn’t trying to be the biggest. It’s trying to be the most durable. That’s a quiet kind of ambition - the kind that doesn’t trend on Twitter but outlives every bull run.
Yes, the fees are high for small traders. Yes, the API is limited. But ask yourself: when the regulators come knocking, which exchange will still be standing? Which one will still have your funds?
This isn’t about speed. It’s about legacy. And legacy doesn’t come from memecoins. It comes from trust.
Most people don’t want to be pioneers. They just want to not lose everything. Mercurity gives them that. And that’s worth something.
Kymberley Sant
November 14, 2025 AT 23:30 PMlol the 99.98% accuracy stat is so fake. they’re just flagging anyone who uses a non-eu ip or has a last name that sounds middle eastern. my friend got locked out for 3 weeks because his surname was ‘Al-Masri’ and their system thought it was ‘suspicious’. it’s not security, it’s bias with a dashboard.
also 500 api reqs? are you kidding me? i can do 800 on a free binance account. this is like buying a ferrari with a 50mph speed limiter.
Edgerton Trowbridge
November 16, 2025 AT 10:30 AMThe core value proposition of Mercurity.Finance is not speed, not volume, not even liquidity - it’s predictability. In an industry where platforms vanish overnight, regulatory clarity is the ultimate asset.
For institutional clients, the ability to know with certainty that your transactions will not be arbitrarily frozen, that your compliance team won’t be audited next week, that your counterparties won’t be de-listed without notice - that’s priceless.
Yes, the retail experience is subpar. Yes, the fee structure is punitive for small withdrawals. But this platform was never designed for the retail crowd. It was built for corporations, accountants, and cross-border legal entities that cannot afford the risk of non-compliance.
Comparing it to Binance is like comparing a luxury sedan to a race car. One is built for speed. The other is built to last. And in 2025, longevity matters more than horsepower.
Matthew Affrunti
November 17, 2025 AT 22:38 PMLook I used to hate this place. Thought it was too slow, too stiff, too corporate. But after I started using it for my freelance work with EU clients? Changed my mind.
Finally got paid without my account getting frozen. No more waiting 5 days for a withdrawal. No more ‘please verify your source of funds again’ emails.
Yeah, no dogecoin. Yeah, the UI looks like it’s from 2018. But I don’t care. I just want to get paid and not get sued.
Also, the fact they’re working with the ECB’s digital euro thing? That’s wild. This might be the first crypto platform that actually helps real people in the real economy. Not just gamblers.
It’s not sexy. But it’s real. And that’s rare these days.
mark Hayes
November 19, 2025 AT 10:28 AMso i tried this exchange because my accountant said i had to use something ‘regulated’ 🙄
first thing i noticed? no memecoins. second thing? withdrawal fee is like 15 bucks for 500 bucks. third thing? took 3 days to get my first deposit approved.
but then… nothing broke. no freezes. no weird emails. no ‘your transaction is under review’ for 2 weeks.
i’m not rich. i’m not a business. i just want to hold eth and not get flagged by some robot that thinks my last name is ‘suspicious’.
so yeah… it’s slow. it’s boring. but it works. and honestly? that’s more than i can say for half the exchanges out there.
maybe we don’t need more hype. maybe we just need one that doesn’t vanish tomorrow.
👍
Derek Hardman
November 19, 2025 AT 23:29 PMI’ve been working in fintech compliance for over a decade. I’ve seen exchanges rise and fall. I’ve seen regulators panic and then overcorrect.
Mercurity.Finance is the first exchange I’ve seen that didn’t just react to regulation - they designed their entire architecture around it. That’s not luck. That’s foresight.
Their compliance engine? It’s not just software. It’s a legal framework encoded in code. That’s why the ECB praised them. That’s why they’ve never received a warning.
Yes, they’re not for everyone. But that’s not a flaw - it’s a feature. The future of finance isn’t about mass appeal. It’s about trusted infrastructure.
And if you’re building something real - something that needs to last - this is the model. Not the memecoin casinos. Not the high-frequency bots. This.
It’s quiet. It’s slow. It’s not glamorous.
But it’s the foundation.
Phyllis Nordquist
November 21, 2025 AT 19:42 PMIt is imperative to acknowledge that Mercurity.Finance represents a paradigmatic shift in the operational architecture of cryptocurrency exchanges, particularly within the context of post-MiCA regulatory frameworks. The institution’s adherence to stringent compliance protocols, including the implementation of Multi-Party Computation wallets and daily audit mechanisms exceeding two million verifications, establishes a benchmark for institutional-grade security and operational integrity.
Furthermore, the integration with the European Central Bank’s digital euro pilot initiative signifies not merely an expansion of services, but a structural alignment with the future of monetary policy. The platform’s focus on tokenized real-world assets, rather than speculative digital tokens, reflects a maturation of the asset class beyond speculative trading.
While the trading interface may appear antiquated to retail users accustomed to gamified platforms, its stability, reliability, and regulatory continuity render it indispensable for professional and institutional actors. The higher compliance costs are not a liability - they are a necessary investment in systemic trust.
It is not a platform for the masses. It is a platform for the responsible. And in an era of financial volatility, that distinction is not merely relevant - it is existential.
Eric Redman
November 22, 2025 AT 18:04 PMOh wow, so we’re supposed to be impressed because they don’t list memecoins? That’s their selling point? They’re the ‘responsible’ one? Yeah, sure. Just like the bank that won’t let you buy crypto because your ‘risk profile’ says you’re ‘too young’.
They’re not ‘secure’ - they’re just scared. Scared of innovation. Scared of freedom. Scared of people who don’t want to be tracked.
And that ‘SBI partnership’? That’s just another way for Japan’s finance ministry to spy on European traders. This isn’t crypto. It’s a surveillance tool with a trading button.
They’re not the future. They’re the past. And the past is dying.
Jason Coe
November 22, 2025 AT 22:51 PMLook, I used to be one of those guys yelling about how this place is too slow and too boring. But then I actually had to move $200K from my EU LLC to a Japanese vendor. I tried every other exchange. Every single one froze my transaction. Some for days. One even asked for a notarized letter proving I didn’t steal the money.
Mercurity? Processed it in 4 hours. No drama. No calls. No ‘please verify your identity again’.
Yeah, I can’t buy Shiba Inu. Yeah, the API is capped. But I didn’t lose $200K. And that’s the only metric that matters when you’re running a business.
People say ‘crypto is freedom’. But real freedom? It’s not being able to buy anything. It’s being able to move your money without someone shutting you down.
So yeah. This place is boring. But it’s the only one that actually works.
And sometimes… boring is better.