Provider at a glance
- Category
- Simple Buy
- Entity
- Not verified
- Official website
- relai.app
Independent rankingchecked How it works
Details
Scored 43 out of 100 under methodology 2026.10.18, from the evidence read in September 2026.
Relai
Bitcoin buying into your own wallet
Simple Buy
#4 Overall
Ranked #4 of 14 simple buy in the published ranking
43
ChainChoice Score
The ChainChoice Score, shown against 100: published scores run from 41 to 99.- High evidence confidence
- $10 cost on your amount
Is Relai right for you?
Right for you if these matter most
- Withdrawal to self-custody10/10, the category best
- Custody & regulatory posture10/10, the category best
Look elsewhere if these come first
- All-in cost of the purchase5/10 here; Finst scores 9
- Availability & onboarding friction6/10 here; Trade Republic scores 7
Not yet tested for your country. Markets it lists: Europe.
to test where you can use it.
The rank above is the published one, the same for every reader. Find my best simple buy app shows where it lands for you.
What will Relai cost you?
$10 cost on your amount
- How do you buy?
- One-time
- Amount
- $1k
- Instant-buy spread
- 1%
$1.25 below the median of 10 priced simple buy.
How this is calculatedHow safe is Relai?
- Evidence: verified4 of 4 criteria rest on quoted, sourced receipts. Read September 2026.
- LicenceMiCA (EU): authorised by AMF (France) since 23 October 2025. Passported: EEA, through RELAI EU SASU under the MiCA passport. The register record
- On the registersMiCA: authorised, RELAI EU (FR, since 2025-10-23). Read 3 November 2026. Open the register
Alternatives to Relai
Compare all 4- 3BISON1 point above · stronger on all in cost (7 against 5)44$13
- 5Finst2 points below · stronger on all in cost (9 against 5)41$1.50
- 6Trade Republic2 points below · stronger on access (7 against 6)41
For your setup
Find out if Relai fits you
The rank above is the published one — the same for every visitor. Answer the category's questions and this section shows where Relai lands for you, which criteria your answers weight up, and which stated needs the record does or does not meet. The published rank stays beside it.
- A few questions
- No account required
- Ranking-blind: no commercial input
- Personalised in under 60 seconds
Find my best simple buy appNothing is inferred from clicks, popularity or commercial value.
Why this rank
Why Relai ranks #4
Each strength is read from evidence on a 0–10 ladder and weighted as the published methodology states. The 32 objective points these produce (24.1 here) sit inside the score; availability, friction, trust record and measured data add the rest. Best in this ranking on 2 of 4.
4 published criteria · Σ weight 100
CriterionWeightStrength · 0–10ScoreContrib.MedianBestRankEvidence
325+5.126.09#8/14Loading evidence…
2610+8.324.010#1/14Loading evidence…
226+4.226.09#7/14Loading evidence…
2010+6.406.010#1/14Loading evidence…
Hairline = best in this ranking · tick = its median · a missing bar is "not scored", never zero
Margin−1behind BISON, #3
RobustnessOne point from changingacross a one-point change to each of its 4 criterion scores, the re-run scores 41–45 and ranks #3–#5
Evidence4 of 4 scored4 quoted, 4 with a source link
What would move the rank
Each line is the ranking run again with one of Relai’s criterion scores changed and every other value held: the smallest whole-point change on that criterion that moves its rank, and where the re-run puts it. Up to 4 climbs and 3 falls are listed, smallest change first. Nothing here is a forecast.
All-in cost of the purchase 5 → 6 on its ladder · passes BISON+145#4 → #3
Availability & onboarding friction 6 → 7 on its ladder · passes BISON+144#4 → #3
All-in cost of the purchase 5 → 4 on its ladder · Finst passes it−141#4 → #5
Withdrawal to self-custody 10 → 8 on its ladder · Finst passes it−241#4 → #6
Availability & onboarding friction 6 → 4 on its ladder · Finst passes it−241#4 → #6
Smallest climb: all-in cost of the purchase 5 → 6 passes BISON, #3.
Strengths
2 from the score dataWhere it leads
Best for readers who weight
- Withdrawal to self-custody — 10/10, the category best
- Custody & regulatory posture — 10/10, the category best
Tradeoffs
2 from the score dataWhere it trails
Not for readers who put first
- All-in cost of the purchase — 5/10 against a category best of 9/10
- Availability & onboarding friction — 6/10 against a category best of 9/10
Record watch-outs
- An unquantified, uncapped spread sits on top of the 1.00% fee, and the 3.0% card surcharge is substantially retained margin — so the attractive 1%…
- MATERIAL CHANGE that outdated guides still get wrong, and several 2026 review sites are STILL headlined 'buy bitcoin with no KYC': Relai made…
- None verified. The MiCA licence from the French AMF (October 2025), Italian registration earlier in 2025, and the dual Swiss/EU pricing policies…
Competitive position
Where Relai leads and where it trails
Rank on every objective dimension among the rows scored on it. A criterion in the top third of its pool is listed as a lead, the bottom third as a trail; the middle is neither. Popularity, size and commercial terms are not dimensions.
Availability#4 / 146.0 of 20 · best 20.0
Published criteria#1 / 1418.0 of 30 · pool best
Friction#12 / 143.3 of 10 · best 7.3
Trust record#1 / 146.4 of 8 · pool best
Measured data#1 / 148.3 of 18 · constant here
Where Relai leads
- Withdrawal to self-custody#1 / 14
- Custody & regulatory posture#1 / 14
Where it trailsNo criterion in the bottom third of its pool.
Closest alternatives
The 3 nearest rows by score
Nearest by published score in either direction. Each card states the criteria on which the two rows differ and the cost difference under the same scenario inputs; the compare arithmetic below shows why the higher one ranks higher.
BISON#3 of 14 · score 44 · 1.0 point ahead
Relai leads on
- Withdrawal to self-custody10 vs 9
- Availability & onboarding friction6 vs 4
- Custody & regulatory posture10 vs 7
BISON leads on
- All-in cost of the purchase7 vs 5
Largest single reason BISON is ahead: friction (+5.2 display points).Scenario cost: BISON is +$2.50 against Relai.
Finst#5 of 14 · score 41 · 2.0 points behind
Relai leads on
- Withdrawal to self-custody10 vs 3
- Custody & regulatory posture10 vs 7
Finst leads on
- All-in cost of the purchase9 vs 5
Largest single reason Relai is ahead: published criteria (+7.0 display points).Scenario cost: Finst is −$8.50 against Relai.
Trade Republic#6 of 14 · score 41 · 2.0 points behind
Relai leads on
- All-in cost of the purchase5 vs 4
- Withdrawal to self-custody10 vs 7
- Custody & regulatory posture10 vs 7
Trade Republic leads on
- Availability & onboarding friction7 vs 6
Largest single reason Relai is ahead: published criteria (+9.1 display points).Scenario cost: Trade Republic has no verified pricing for this scenario.
Against the leader
86 vs 43 · gap 43.0Why Strike ranks above Relai
The compare workspace's arithmetic applied to these two rows. Each dimension's share of the gap is its weight × the difference, on the displayed scale — it reproduces the displayed gap of 43.0 to within rounding. Relai is ahead on trust record (+2.1 in its favour).
DimensionThisStrikeGap share
Availability · 23% weight6.020.0−36.4, worse
Published criteria · 35% weight18.018.0same
Friction · 12% weight3.36.7−8.8, worse
Trust record · 9% weight6.45.6+2.1, better
Measured data · 21% weight · constant here8.38.3same
Published criterionThisStrikePoints
All-in cost of the purchase · w3257−2.05, worse
Withdrawal to self-custody · w26108+1.66, better
Availability & onboarding friction · w2269−2.11, worse
Custody & regulatory posture · w20106+2.56, better
Net4386−43.0
Your scenario
What Relai costs on your scenario
Instant-buy spread on what you buy: on one purchase, or for a year of purchases or of trading. Fixed purchase fees and deposit fees are not published as fields yet, so they are excluded, as are network gas and any withdrawal fee. Change an input and every figure recomputes from the published rate; the published rank does not move.
cost on your amount · default scenario — set your own
How do you buy?
How do you buy? · your inputOne-time
Amount · your input$1k
Instant-buy spread · published rate1%
Rate read from the provider’s published pricing ↗ on 28 October 2026.
cost on your amountCost is stated as cost on your amount in USD; it is never a yield, never annualised, and it does not enter the score.
$10
Under the default inputs · USDCategory median$1110 of 14 rows priced · Relai −$1.25 vs median
Cheapest priced$1.50 · FinstRelai costs +$8.50 more · availability not applied — set your country to filterCompare with Finst
4 of 14 rows in this ranking have no verified rate for this scenario and are absent from the median, not counted as free.
Evidence
Evidence read 14 September 2026
One row per published criterion: the page each strength was read from, its source type by domain, the reading date and whether the file and the published table agree. Open a row for the quote and the receipt.
4 of 4 cells scored
Score evidenceVerified4 of 4 criteria reconstruct from receipts
4 of 4 criteria reconstruct from a quoted, sourced receipt equal to the published strength.Public receiptsReading…4 quoted with a source URL
The receipt file has not been read yet.Evidence confidenceHighcoverage and corroboration, never freshness
4/4 criteria scored, with 4 dated sources quoted.RobustnessOne point from changingrank #3 to #5 across one-point re-runs
Whether the position holds when one criterion score is changed by one point and the ranking is run again. It is always a re-run of the ranking, never an estimate.The newest evidence read on the platform is 3 November 2026; this category's reading is older. The scores stand as read on 14 September 2026.
Reading the evidence ledger…
CriterionSourceTypeReadFreshnessStatusReceipt
All-in cost of the purchasestrength 5 · weight 32Report an error—14 September 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Withdrawal to self-custodystrength 10 · weight 26Report an error—14 September 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Availability & onboarding frictionstrength 6 · weight 22Report an error—14 September 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Custody & regulatory posturestrength 10 · weight 20Report an error—14 September 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.How you can lose money here, and what the ranking scores
- Custody failure (Relai 10/10): whoever holds the assets loses or withholds them.Scored by Custody & regulatory posture · 20%
- Exit failure (Relai 10/10): you cannot get out at par, on time, or with what is yours.Scored by Withdrawal to self-custody · 26%
Not assessed by this ranking: Control failure, Liveness failure, Insolvency failure, Regulatory failure, Execution failure, Information failure. A high place says nothing about these; the Methodology tab says what each means. Also scored, as cost, quality or a summary of several families: All-in cost of the purchase (32%), Availability & onboarding friction (22%).
Facts
facts, not scoresWhat the record publishes
- Pricing
- Official Pricing Policies (EU and CH). Relai App: 1.00% service fee per transaction from EUR/CHF 50 up to 99,999.99, reduced to 0.9% with a referral code, plus 'a small price spread (in line with industry practice)' which neither pricing policy quantifies.Relai — verified source ↗ · 28 October 2026
- Prices published in
- USDRelai — verified source ↗ · 28 October 2026
- Licences held
- Not published
- Compliance level
- partial
- Regulatory note
- Not published
- Supported chains
- Bitcoin
- Markets served
- europe
- Primary markets
- Global
- Restricted markets
- Not published
- Operating limits
- MATERIAL CHANGE that outdated guides still get wrong, and several 2026 review sites are STILL headlined 'buy bitcoin with no KYC': Relai made verification mandatory for all users by October 2024, eliminating the non-verification…
- Availability note
- MATERIAL CHANGE that outdated guides still get wrong, and several 2026 review sites are STILL headlined 'buy bitcoin with no KYC': Relai made verification mandatory for all users by October 2024, eliminating the non-verification…
No confirmed legal entity is on file for this record. Nothing is inferred from the brand name.
If something goes wrong with Relai: where to complain, and where to report a scam
Loading the routes for your country.
How this page is reviewed
Reviewed means this product in this category was read against its sources on or after that date; every ranked category is re-read at least every 45 days. Models research, extract and parse. A deterministic engine ranks. Every quote passes an adversarial refute pass.
Accountable for this review: Mathias Siemonsmeier, Founder.
How we review · Review calendar · Corrections log · How we make money
History
What the record carries
Changes to published ranks are recorded in a ledger; every step and its cause is listed on the rank-history page. The entries below begin with the current verified snapshot, then the methodology versions whose changes applied to this category, newest first.
11 methodology entries
- 14 September 2026Current verified snapshot · methodology 2026.10.18Score 43, #4 of 14. 4 of 4 criteria scored. History starts here; earlier values are not interpolated.
- 10 October 2026
2026.10.8When nothing serves your country, the list shown for reference is the published ranking · platform-wide- fixed The reference list shown when nothing serves your country is the published order with the published scores, and a build check now fails any such list out of that order or with a score the ranking does not publish.
- fixed The explorer prints an overall rank only for a row the published ranking holds; a country entrant such as Coinbase Commerce for US merchants shows no overall rank.
- changed Published orders do not move. Country results change only where nothing serves the country: in India bill pay keeps Bitcoin Well first and now shows Strike second, as published; 35 such runs across all categories and countries now match the published list exactly.
- 10 October 2026
2026.10.6A criterion you require re-scores the rows that meet it · platform-wide- changed The explorer sends each criterion you require, at any band, as fit_required with your other answers; region, licence, chain and fact filters stay filters. On /best, a required criterion joins For you as a marked preference does, which needs your country; Overall stays the published ranking, filtered.
- added Every published criterion has a golden case as the explorer sends it (require:<criterion>), so the order a requirement gives is replayed and gated as the published order is, and a change to it needs an entry here.
- 16 September 2026
2026.09.15Dimension scores carry tenths, and eleven more categories are re-read from primary sources · platform-wide- changed Dimension scores resolve to tenths of a point (O-04b), and weightedTotal is rounded to six decimal places before the order is read. 518 published scores move across 107 categories that were not re-read; none of them moves by more than 4 points, and most move by 1.
- fixed 66 published scores change in the eleven re-read categories, against a verbatim source each. The largest moves are Reflexer RAI (−16), Beefy and Unrekt (−11), Aztec (−10) and Golem (+9) — all of them rows whose sources had moved since their last read.
- changed Published order moves in 38 of 119 categories and three #1s change: smart_contract_audits (Zellic → Certora) and travel_rule_compliance (Sumsub Travel Rule → CodeVASP) on the finer resolution, kyc_compliance (Veriff → Sumsub) on the re-read.
- added availabilitySource (O-04g): for a reader who states a country, a row whose availability in that country rests on a region tag its record gives no source for sorts below every sourced row. It is inert in every order published here, which states no country.
Methodology 2026.10.18, the same published run every visitor sees · receipt simple_buy:relai:2026.10.18:a7c3fbcddd25
Are you Relai? Reply to this verdict, or send evidence, ask for a correction or claim the listing. Every message gets a public ticket number; none of it changes a rank unless a public page or a signed statement supports it.