Payments infrastructure for crypto exchanges
Exchanges live with the industry's strangest problem: everyone else struggles to accept crypto, you struggle to accept everything else. Cards decline 6051 by default, banks exit with 30 days' notice, and fraud targets the fiat side.
Why exchange onramps keep breaking
Issuers treat crypto purchases as cash advances or worse
Card buys coded MCC 6051 see decline rates of 20 to 50% at many issuers, and some banks block them outright. Card onramp fees of 3 to 5% get charged on the volume that survives.
Banking partners are a revolving door
Exchanges lose fiat banking with 30 days' notice and no stated reason. Every deposit rail built on one partner bank inherits that partner's risk appetite.
Fiat-in, crypto-out is a fraud magnet
A stolen card buys crypto, the asset leaves irreversibly, the chargeback arrives later, and the exchange eats both sides. Fraud teams throttle limits so hard that legitimate users bounce.
Compliance costs scale with every rail
Each card acquirer, bank, and regional payment method adds its own KYC expectations, reporting, and reserve terms on top of your own licensing obligations.
Where Flint fits an exchange stack
Crypto-native collection with no bank dependence
Fees, deposits, and product payments collected on-chain settle to balances you control. No partner bank can turn this rail off.
No reversible-in, irreversible-out mismatch
Crypto deposits are final like the assets you deliver. The stolen-card arbitrage that defines onramp fraud has no equivalent here.
Stablecoin settlement for treasury
USDT and USDC deposits arrive dollar-denominated, which keeps user balances and your books aligned without an FX desk in the loop.
API built for platform volume
Programmatic payment requests, per-user references, and signed webhooks for automated crediting at exchange scale.
A stable rail beside your card onramp
Keep the card onramp for new-to-crypto users and route existing holders through the rail with no declines, no chargebacks, and no acquirer to lose.
Pick your plan
Monthly fee plus a rate per sale. Upgrade when volume picks up.
Starter
Free to start validating ideas.
Fees
5.00% + 50¢ per transaction
Features
- All features to sell
- Standard support
Pro
For builders & early teams.
Fees
3.80% + 40¢ per transaction
Features
- All features on Starter
- Preview access to new features
- Prioritized support
Growth
For scaling startups.
Fees
3.60% + 35¢ per transaction
Features
- All features on Pro
- Preview access to new features
- Prioritized support
Scale
For fast growing businesses.
Fees
3.20% + 25¢ per transaction
Features
- All features on Growth
- Dedicated account manager
- Custom SLAs
Exchange payment questions, answered
Why do card onramps decline so many purchases?
Crypto purchases carry MCC 6051, which many issuers score as cash-equivalent risk or block by policy. Decline rates of 20 to 50% are normal, and the acquirers that do process it charge 3 to 5% for the exposure.
Can Flint replace my fiat onramp entirely?
No, and it shouldn't. Users converting salary into their first crypto need a fiat rail. Flint covers everything after that: deposits from existing holders, trading-fee collection, subscription products, and OTC settlement, all without an acquiring bank.
How does this reduce onramp fraud losses?
Fraud concentrates where a reversible payment buys an irreversible asset. On-chain deposits are final on both sides, so the chargeback-after-withdrawal pattern can't occur on this rail, and you can loosen limits for deposit users accordingly.
What about our banking partners exiting?
That risk stays on your fiat rails, which is the argument for not building everything on them. Revenue and deposits collected through Flint settle on-chain regardless of which bank serves you this quarter.
Does using Flint change our licensing or KYC program?
No. Exchange licensing, KYC, and travel-rule obligations come from your regulators and apply to your business regardless of rail. Flint is payment infrastructure, not a compliance wrapper.
What does it cost at exchange volume?
Scale pricing is 3.20% + 25¢ with a dedicated account manager and custom SLAs at $400 a month. For fee collection and deposits that would otherwise ride a 3 to 5% card onramp with 20 to 50% declines, the effective difference is large.