MiCA-licensed crypto infrastructure

Crypto OTC trading for businesses

Understand when OTC trading makes sense and how businesses manage large crypto volumes in daily operations.

How crypto OTC trading works and who it serves
When OTC trading makes sense and when it does not
How businesses handle volume with a CoinGate account

Create a business account Talk to sales

What is crypto OTC trading?

Execute large cryptocurrency trades privately, with fixed pricing and minimal market impact.

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Avoid slippage

Large orders can move prices on public exchanges. OTC desks quote the full trade upfront.

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Keep trades private

Transactions stay off public order books, helping reduce market visibility.

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Access deeper liquidity

Execute larger trades efficiently without splitting orders across multiple venues.

How an OTC desk works

Request

Tell the desk what asset you want to buy or sell and the trade size.

Quote

Receive a fixed price for the full order based on available liquidity.

Confirm

Review and accept the quoted terms before execution.

Settle

Exchange funds and complete the trade, often within the same day.

Who actually uses crypto OTC desks

OTC is built for trading events: large, infrequent, and price-sensitive down to the basis point.

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Funds and institutions

Asset managers and trading firms moving positions too large for exchange order books. Institutional desks often set minimums of $250,000 or more.

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High-net-worth individuals

Early holders selling significant positions who want one price and one counterparty instead of feeding an order book for days.

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Miners and large holders

Operations that earn crypto continuously and periodically sell large blocks to cover fiat costs.

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Corporates with one-off treasury events

A company acquiring or divesting a large crypto position as a single planned transaction.

OTC or business account?

OTC desks are built for large one-off trades, while CoinGate is designed for recurring business payments, conversions, and payouts.

	Crypto OTC desk	CoinGate business account
Built for	Large one-off trades	Recurring business flows
Typical user	Funds, institutions, HNWIs	Merchants, platforms, Web3 teams
Pricing	Quoted per trade	Transparent fees from 1%
Minimums	Often $50,000 to $250,000+	None
Access	Onboarding, relationship-based	Self-serve account, verified online
Beyond conversion	Trading only	Payments, settlement, payouts, reporting
EU regulation	Varies by desk	MiCA-licensed CASP

Built for businesses that move real crypto volume

One account for conversion, settlement, payouts, and the records behind them.

Create a business account Pricing

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Convert across 250+ trading pairs

Swap between crypto, stablecoins, and EUR from your dashboard or automate conversions through the API. Deposits and withdrawals are free, and conversion fees are published upfront.

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Settle payments into EUR or stablecoins

Accept BTC, USDC, and 10+ crypto assets from customers, then settle into EUR, USD, or stablecoins as payments arrive. Volatility stops being your problem at the moment of sale.

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Receive payments from 180+ countries

Get paid by customers, contractors, partners, and affiliates in crypto. Convert one asset into another at any time, so you hold what you want and withdraw what you need.

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Hold crypto and fiat in one account

Keep BTC, stablecoins, and EUR balances side by side. Move between them when it suits your treasury, not when a third party allows it.

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Export records your accountants can use

Every order, conversion, withdrawal, and payout is traceable. Filter by date, currency, or status and export structured CSV statements for reconciliation and audits.

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Control access across your team

Role-based permissions separate who can view balances, execute conversions, and send payouts. Operational control stays with the people you choose.

How large crypto operations work on CoinGate

Four steps, manual or automated. Your team decides how much control to keep.

Deposit

Top up your account with crypto from your wallet or EUR from your bank. Deposits are free.

Convert

Exchange the balance into your target currency, manually from the dashboard or automatically via API.

Withdraw or pay out

Send EUR to your bank account, withdraw crypto to your wallet, or send crypto payouts to recipients worldwide.

Reconcile

Export account statements and transaction records so your books close without manual stitching.

Where this replaces an OTC search

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Merchants converting crypto revenue

Your customers pay in crypto. Your costs are in euros. Settle incoming payments into EUR automatically, or hold stablecoins and convert when it suits your cash flow. Either way, revenue arrives in a form your finance team can plan around.

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Marketplaces and platforms paying out globally

Collect payments centrally, then distribute earnings to sellers, partners, or affiliates in 180+ countries. Payouts run manually, by CSV upload, or through the API at scale.

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Web3 companies running treasury in stablecoins

Token-side income, stablecoin reserves, fiat expenses. Hold all three in one account, convert between them across 250+ pairs, and keep a clean record of every movement for your auditors.

Regulated where it matters

CoinGate operates under MiCA and Payment Institution licenses, helping businesses manage crypto payments and settlements through a regulated provider.

7M+

Processed monthly volume

500+

Businesses using CoinGate

10+

Years in operation

MiCA + PI

Licensed in the EU

Frequently asked questions (FAQ)

What does OTC mean in crypto?

OTC stands for over-the-counter. In crypto, it means buying or selling directly with a counterparty at a privately agreed price instead of through a public exchange order book. It is used mainly for large trades where exchange liquidity would cause slippage.

How do crypto OTC desks make money?

Desks earn from the spread, the difference between the price they quote you and the price at which they source the asset from their liquidity network. Some also charge explicit fees per trade.

Is there a minimum for OTC trades?

Most desks set minimums. Kraken OTC serves trades over $50,000, and institutional desks like GSR require $250,000 or more. CoinGate has no trade minimums because we are not a trading desk. Conversions of any size run at published fees.

Is CoinGate a crypto OTC desk?

No. CoinGate is a MiCA-licensed crypto payment and conversion platform for businesses. We do not quote block trades. We provide payment acceptance, conversion across 250+ trading pairs, settlement into EUR or stablecoins, global crypto payouts, and reporting from one business account.

Can I convert large amounts of crypto to EUR with CoinGate?

Yes. Business accounts can convert between crypto and EUR and withdraw EUR to their own bank account. Conversion runs from the dashboard or via API. If you expect substantial recurring volume, talk to our sales team about your setup.

How do I withdraw funds after converting?

You can withdraw crypto to your own wallet and EUR to your own bank account. EUR payouts to third parties are not supported. Crypto payouts to third parties are available in 180+ countries.

Is crypto OTC trading legal?

In most jurisdictions, yes, provided the desk or platform is properly licensed and the parties meet AML and KYC requirements. Rules vary by country, so check local regulations. CoinGate operates under MiCA licensing in the EU.