Confirmo Review
7.1/10Prague-born crypto gateway dual-licensed by the Central Bank of Ireland (MiCA CASP December 2025, Payment Institution April 2026), stablecoin-first with USDT on six chains, USDC on five, and BTC Lightning, running $80M+ monthly volume across 800+ enterprise clients.
Our read
- Dual license from one central bank: MiCA CASP (Dec 16, 2025, ref C570624) plus an Irish Payment Institution authorization (Apr 9, 2026), both passporting EEA-wide and both in place before the July 1, 2026 grandfathering cutoff.
- A 12-year lineage from the 2014 Prague start as BitcoinPay, built by the founders of the regulated Coinmate exchange.
- Stablecoin-first architecture: USDT across six chains and USDC across five, BTC with Lightning, stablecoin-to-stablecoin since July 2025, and Paxos carrying the US push.
- Trezor, Alza, FTMO, and MassPay on the client list, behind $80M+ in monthly volume from 800+ enterprise clients.
- A developer surface an engineer can scope alone: public REST v3.1 docs with an OpenAPI spec and Postman import, an open-source WooCommerce plugin, and a ready-made Corefy connector.
- Pricing on request: every fee is set in a contractual Fee Schedule.
- No gambling operator sits on the client list.
- Roughly 10 tokens where CoinGate carries about 20 and NOWPayments 350+, which rules out operators with an altcoin tail.
- The entity map is multi-legged: Irish, Czech, US, and Dominican Republic companies, with only the Irish one holding the CBI authorizations.
EU and EEA-licensed operators that want crypto deposits, mass payouts, and automated bank settlement on a MiCA-authorized, CBI-supervised rail, with stablecoins doing most of the work.
Operators that need long-tail altcoins, casino references, or direct US processing, and grey-market books, since the Irish licenses carry only the EEA leg and merchant eligibility sits in the Commercial Policy.
Markets & licensing
Confirmo Limited in Dublin holds two Central Bank of Ireland authorizations: a MiCA CASP dated December 16, 2025 (ref C570624) and an Irish Payment Institution authorization dated April 9, 2026. Both passport EEA-wide, and both were in place before MiCA grandfathering ended on July 1, 2026. The CASP scope excludes custody, and the legal page also lists a Confirmo SRL in the Dominican Republic alongside the Czech and US entities.
Confirmo holds no US money-transmitter licenses and no FinCEN MSB registration. The US entry announced in February 2026 runs through a partnership with Paxos.
No Confirmo entity holds an FCA registration, so a UK-facing operator has no counterparty to contract with under UK rules.
- Ireland (CBI) MiCA CASPIreland / EEA
- Exchange of crypto-assets for funds, exchange of crypto-assets for other crypto-assets, and transfer services on behalf of clients. No custody. · Confirmo Limited · authorized Dec 16, 2025 · ref C570624 · MiCA CASP under Article 63
- Ireland (CBI) Payment InstitutionIreland / EEA
- Payment services under the Irish Payment Services Regulations 2018, covering the fiat settlement leg · Confirmo Limited · authorized Apr 9, 2026 · PSD2 Payment Institution authorization
Licensing tier: Regulatory substance without gambling paper. Confirmo crossed the July 1, 2026 grandfathering cutoff authorized on both legs. The deductions are structural: no custody in the CASP scope, no gambling supplier licenses anywhere, no UK or own US footprint, and non-EEA contracting sitting outside the Irish licenses.
The Irish authorizations passport across the EEA under free provision of services.
Merchant eligibility runs through the Commercial Policy rather than a restricted-market list.
Methods & rails
What you can reach
Payout rails
Processing features
Integrations & engineering
One contract and one API instead of a separate deal per studio, feed, or PSP. Here's what connects, how fast, and on what stack.
Operators integrate against the public REST v3.1 API with API-key authorization over HTTPS, using hosted Checkout or the Deposits API for pay-ins and the payouts endpoint (POST /api/v3/payouts) for single and mass withdrawals. Invoice-based detection drives status: the gateway watches the invoice address, updates with on-chain confirmations, and locks the exchange rate inside a validity window. Conversion is configured per merchant across crypto, stablecoins, and fiat, with bank settlements that can run fully automated and recurring under the Irish PI license. Operators on Corefy can take the ready-made connector instead of building direct, and e-commerce merchants get an open-source WooCommerce plugin.
Products & tools
Three surfaces cover the flow: hosted Checkout and the Deposits API on the way in, single and mass Payouts on the way out, and automated conversion with recurring bank settlements underneath, all documented at docs.confirmo.net.
Checkout
The pay-in side: a hosted Checkout and a Deposits API built around invoice-based payment detection, an exchange-rate lock per invoice, and a narrow, stablecoin-first token set with BTC Lightning support.
- USDT on six chains (Ethereum, Tron, Polygon, Arbitrum, Optimism, BNB Smart Chain) and USDC on five
- BTC with Lightning, plus ETH, SOL, POL, LTC, and TRX
- Invoice-based detection: the gateway watches the invoice address and updates status with on-chain confirmations
- Exchange-rate lock with a validity window on every invoice
- Zero-gas stablecoin payments through the Plasma chain partnership
- 99.97% uptime
Payouts
The pay-out side: single and mass crypto payouts through the API, automated conversion between crypto, stablecoins, and fiat, and recurring bank-account settlements that run under Confirmo's own Irish Payment Institution license.
- Mass payouts to a selected number of wallets simultaneously
- Programmatic payouts via POST /api/v3/payouts
- Automated conversion across crypto, stablecoins, and fiat
- Bank-account settlements that can be fully automated and recurring
- Stablecoin-to-stablecoin payments since Jul 7, 2025
- Payouts debited from a merchant Balance, with no custody service
API v3.1
A public REST v3.1 API with API-key auth, an OpenAPI spec, Postman import, and an llms.txt index, plus an open-source WooCommerce plugin and a ready-made connector listed by orchestrator Corefy.
- Public docs at docs.confirmo.net with no login
- REST v3.1 over HTTPS with API-key authorization headers
- OpenAPI spec download, Postman import, and an llms.txt AI index
- Open-source WooCommerce plugin at github.com/confirmo, plus a community PHP library
- Ready-made Confirmo connector listed by Corefy
- Invoice customization covering accepted assets and auto-conversion, plus email invoicing and a payment button
The history
Longevity in this industry usually comes with a change of owner somewhere in it.
Dan Houška and Roman Valihrach started the company in Prague in 2014 as BitcoinPay, processing Bitcoin and Litecoin in partnership with Coinmate, the regulated Czech exchange the same two had founded. The rebrand to Confirmo came later, and in January 2022 Czech VC Miton put tens of millions of CZK into both affiliated companies. Management has since professionalized: the founders no longer appear in the listed leadership (Valihrach runs Coinmate), and the center of gravity moved to Dublin, where Confirmo Limited took a MiCA CASP authorization from the Central Bank of Ireland in December 2025 and an Irish Payment Institution license in April 2026. 2026 brought a US push through Paxos and three senior North America and Europe hires in May.
Brands & clients on the platform
Corporate
Leadership
Milestones
- 2014
Founded in Prague as BitcoinPay by Dan Houška and Roman Valihrach, processing Bitcoin and Litecoin in partnership with their Coinmate exchange.
- 2022
Miton invests tens of millions of CZK in the affiliated Coinmate and Confirmo (January 19), with annual volume around CZK 1.5B at the time.
- 2025
Confirmo Services s.r.o. is founded in Prague's Karlín (March), stablecoin-to-stablecoin payments launch (July 7), and VivoPower brings Nasdaq-listed stablecoin payroll (September 18).
- 2025
The Central Bank of Ireland authorizes Confirmo Limited as a MiCA CASP (December 16), with $80M+ monthly volume across 800+ enterprise clients spanning e-commerce, prop trading, forex, and payroll.
- 2026
Plasma zero-gas partnership (January 22), Paxos US stablecoin partnership (February 9), and FT3 PAY signs Confirmo as exclusive crypto-payments partner (March 25).
- 2026
Irish Payment Institution authorization lands (April 9), three senior hires for North America and Europe follow (May 12), and the company crosses the July 1 MiCA grandfathering cutoff fully authorized.
Where they're pushing next
- US (Paxos partnership Feb 2026, plus the May 2026 North America hires)
- EEA regulated operators (dual-license passporting live since Apr 2026)
Longevity and ownership
Switching vendors is expensive, which makes the company's staying power part of the purchase. What the contract says about your data decides how expensive an exit gets.
Confirmo vs alternatives
Most buyers in this market shortlist three or four vendors long before they take a single sales call.
| Attribute | Confirmo | CoinsPaid | CoinGate | NOWPayments |
|---|---|---|---|---|
| Founded | 2014 | 2014 | 2014 | 2019 |
| Team | — | 200+ | 50+ | 22+ |
| US market | Restricted | Restricted | Restricted | Restricted |
| Pricing | — | Public | Public | Public |
| Currencies | — | 40+ | 3+ | 21+ |
| Coins | 10+ | 20+ | 20+ | 350+ |
| EMI / PI licenses | Ireland | — | Lithuania | — |
| Settlement | Bank-account settlements that can be fully automated and recurring, with near-instant crypto settlement | Near-instant crypto-to-fiat at a rate locked when the payment is made | Weekly on Standard, weekly or on-request on Enterprise | Per transaction, in minutes |
| Instant payouts | — | Yes | — | Yes |
Settlement & commercials
Confirmo prices per deal, so exact figures land in the contract rather than on a public rate card.
Per-transaction fees that scale down with turnover, set in a private Fee Schedule that forms part of the Agreement.
The deal
Money movement
Onboarding path
- 1Contact Confirmo sales for pricing
- 2Clear B2B onboarding (KYB) with Confirmo Limited in Dublin for EEA business
- 3Scope the build from the public docs at docs.confirmo.net: REST v3.1, API-key auth, OpenAPI spec, Postman collection
- 4Integrate hosted Checkout or the Deposits API for pay-ins and wire POST /api/v3/payouts for single and mass withdrawals
- 5Configure conversion and settlement: which assets you keep, what auto-converts to stablecoins or fiat, and the recurring bank-settlement schedule
- 6Go live and reconcile against invoice statuses
Support & account management
You can't demo service before you sign, so what a vendor puts in writing is the only floor you can hold it to.