Coinify scores 34 points above Koywe, led by purchase cost, named licence, and KYC and speed. Coinify ranks #2 and Koywe #13 of 16 published onramps. Every term of the gap is on the ledger below; the inputs are on the audit receipt.
Coinify75
vs
Koywe41
Scores are out of 100; published scores fall within 41–99 · ranks #2 and #13 of 16
Criteria roundingThe criteria block is rounded to whole points before it is spread+0.1
Reproduced gap+38.2
Published gapAfter score rounding and bounds — see the note below7541+34.0
Weight is in points of the 86-point weighted total. Points are score points of the gap between the two.
A floor bound on one row means the criterion arithmetic does not reproduce the displayed gap exactly.
CoinifyScore 75The pool's fee-schedule anchor - bank 1%, EEA card 3.5%, non-EEA card 5%, 0.50% non-USD FX, network fee separate, all on its own domain - and since 2026-05-29 a register-verified Danish MiCA CASP (FT-ID 10907) whose own legal page has not yet caught up with its authorisation.Strength: All in purchase cost — 8/10Watch-out: The cheap rail is the unlocked one: pay by SEPA (1%) and you contractually accept 'the current available exchange rate at the time Coinify processes your trade' - up to 1-2 business days after you saw the 'indicative' quote - and if the trade cannot proceed, your refund comes back EUR20-30 lighter. The 15-minute rate lock exists only on the 3.5-5% card rail, and only in a help-centre article the Terms never echo.KoyweScore 41Chilean-anchored LATAM payments and treasury API (Koywe SpA, CMF register N°196; Alerce Argentina SRL, CNV PSAV N°24) whose ONRAMP product converts local-rail fiat (PIX, SPEI, PSE, Khipu) to crypto delivered to merchant-registered external wallets — register-verified licences, but zero public end-user pricing.Strength: Licence identity — 6/10Watch-out: You cannot see a price before you onboard: Koywe is a KYB-gated B2B API, the pricing pages 404, the fee schedule lives 'informadas en la Plataforma' behind login, and the only public number is a non-binding '0.5% - 2%' typical range in the developer docs — a buyer commits to merchant onboarding before learning what the PIX-to-USDC conversion actually costs.
Quick facts
At a glance
1 of 3 rows read the same for both.
FactCoinifyKoywe
PricingSnapshotCoinify "Trading Fees" page (https://www.coinify.com/trading-fees), fetched 28 September 2026, HTTP 200, unchanged from 18 August 2026. Handling fee: "BUY ORDERS Bank Transfer 1% Credit/Debit Card EEA *3.5% Credit/Debit Card 5%" with "* EU, NORWAY, ICELAND, LIECHTENSTEIN, SWITZERLAND"; sell side "Bank Transfer 1%". Conversion fee: "For all purchases done in currencies other than USD, a foreign exchange fee of 0.50% applies." Network fee: "A fee deducted from the purchased cryptocurrency amount." and "It depends on the Blockchain network’s current transaction volumes." Worked example (our arithmetic, not a Coinify figure): a EUR 200 purchase by SEPA bank transfer = 1 percent handling + 0.50 percent FX = EUR 3.00 plus the network fee; by EEA card = 3.5 percent + 0.50 percent = EUR 8.00 plus the network fee. The exchange-rate margin is not on this page: Coinify's help article 360013699059 says fees "are included in the exchange rate we offer you" without a number. Minimums are on help article 360013698319 (edited 13 December 2024), not on this page.No end-user fee schedule is published. Koywe developer docs "Quotes and exchange rates" (https://docs.koywe.com/en/core-concepts/quotes-and-exchange-rates), fetched 29 September 2026, HTTP 200, give only an integrator-facing typical range: Processing Fee, "All transactions", "0.5% - 2%"; Network Fee "Variable (blockchain fees)"; country-specific taxes on amount and on fee. The spread is acknowledged in the docs' example ("Slightly lower than buy rate (spread)") but not quantified or benchmarked. The pricing routes www.koywe.com/en/pricing and /es/precios still return HTTP 404 (29 September 2026). The Terms ("Fecha de última actualización: 18 de mayo de 2026") put actual fees behind login or contract: "El uso de los Servicios estará sujeto al pago de las Comisiones y tipo de cambio vigentes informadas en la Plataforma o establecidas en la documentación contractual aplicable." No representative purchase can be reconstructed: the quote API needs KYB-gated credentials and there is no public widget.
Asset coverageEditorial——
Region fitSnapshoteurope, asia, latamlatam
From the published criteria
Which should you pick?
Coinify
75#2 of 16
Leads
Pick it when
Pick Coinify if purchase cost matters most — it scores 8/10 to Koywe's 3/10 there (weight 34).
Strength
All in purchase cost — 8/10
Tradeoff
The cheap rail is the unlocked one: pay by SEPA (1%) and you contractually accept 'the current available exchange rate at the time Coinify processes your trade' - up to 1-2 business days after you saw the 'indicative' quote - and if the trade cannot proceed, your refund comes back EUR20-30 lighter. The 15-minute rate lock exists only on the 3.5-5% card rail, and only in a help-centre article the Terms never echo.
Koywe
41#13 of 16
Pick it when
Koywe leads Coinify on no published criterion and no score dimension — pick it only if a fact outside the score (country, funding rail, custody) decides for you.
Strength
Licence identity — 6/10
Tradeoff
You cannot see a price before you onboard: Koywe is a KYB-gated B2B API, the pricing pages 404, the fee schedule lives 'informadas en la Plataforma' behind login, and the only public number is a non-binding '0.5% - 2%' typical range in the developer docs — a buyer commits to merchant onboarding before learning what the PIX-to-USDC conversion actually costs.
Self-identify in 10 seconds
Which one is actually for you?
CoinifyLeads
Choose Coinify if purchase cost matters most
Purchase cost: 8/10 against 3/10 for Koywe (weight 34)
Named licence: 8/10 against 6/10 for Koywe (weight 22)
KYC and speed: 7/10 against 3/10 for Koywe (weight 18)
CoinifyScore 75The pool's fee-schedule anchor - bank 1%, EEA card 3.5%, non-EEA card 5%, 0.50% non-USD FX, network fee separate, all on its own domain - and since 2026-05-29 a register-verified Danish MiCA CASP (FT-ID 10907) whose own legal page has not yet caught up with its authorisation.Strength: All in purchase cost — 8/10Watch-out: The cheap rail is the unlocked one: pay by SEPA (1%) and you contractually accept 'the current available exchange rate at the time Coinify processes your trade' - up to 1-2 business days after you saw the 'indicative' quote - and if the trade cannot proceed, your refund comes back EUR20-30 lighter. The 15-minute rate lock exists only on the 3.5-5% card rail, and only in a help-centre article the Terms never echo.
Koywe
Koywe leads Coinify on no published criterion
Choose it only if something outside the published criteria decides for you — your country, a funding rail, or custody.
KoyweScore 41Chilean-anchored LATAM payments and treasury API (Koywe SpA, CMF register N°196; Alerce Argentina SRL, CNV PSAV N°24) whose ONRAMP product converts local-rail fiat (PIX, SPEI, PSE, Khipu) to crypto delivered to merchant-registered external wallets — register-verified licences, but zero public end-user pricing.Strength: Licence identity — 6/10Watch-out: You cannot see a price before you onboard: Koywe is a KYB-gated B2B API, the pricing pages 404, the fee schedule lives 'informadas en la Plataforma' behind login, and the only public number is a non-binding '0.5% - 2%' typical range in the developer docs — a buyer commits to merchant onboarding before learning what the PIX-to-USDC conversion actually costs.
Criterion by criterion
Scorecard
Published criteria · weight in points of 868 of 8 cells scored. Strength is read from the evidence file; the weight is the published one. Methodology
Purchase cost
by 5 of 10weight 8.2 of 86Coinify leads
Coinify8/10 out of 10
Koywe3/10 out of 10
Quote honesty
weight 6.2 of 86Tie
Coinify5/10 out of 10
Koywe5/10 out of 10
Named licence
by 2 of 10weight 5.3 of 86Coinify leads
Coinify8/10 out of 10
Koywe6/10 out of 10
KYC and speed
by 4 of 10weight 4.3 of 86Coinify leads
Coinify7/10 out of 10
Koywe3/10 out of 10
Score dimensions
weights sum to 86
The published score is five dimensions, each weighted for the category. "Published criteria" is the criteria block above; the other four are the engine's own terms — availability, friction, trust record, measured data. Each bar is one side's points out of that dimension's maximum; the weight beside the name is its points of the 86-point weighted total. The published criteria above can fill 24 of the block’s 30. A weight marked “constant here” belongs to a dimension every ranked product in the category holds at the same value: it still counts in the total, and it orders nothing here.
Availabilityweight 20 of 86
Coinify12/20Koywe6/20
Coinify leads
Published criteriaweight 30 of 86
Coinify16.9/30Koywe10/30
Coinify leads
Frictionweight 10 of 86 · constant here
Coinify2.7/10Koywe2.7/10
Tie
Trust recordweight 8 of 86 · constant here
Coinify3.2/8Koywe3.2/8
Tie
Measured dataweight 18 of 86
Coinify10.1/18Koywe8.3/18
Coinify leads
Decision rulePublished order
Choose Coinify unless the term Koywe leads on is the one you are buying.
Koywe leads Coinify on no published criterion and no score dimension — pick it only if a fact outside the score (country, funding rail, custody) decides for you.
The published order weighs every criterion the same way for everyone. To weigh them your way, run .
From the published order
Next best action
If this isn't your case
Other matchups worth comparing
How you can lose money here, and what the ranking scores
Regulatory failure: no licence where you are, or a forced market exit.
Scored by Whose money-transmission licence is my money riding — and is that entity my counterparty? · 22% (Coinify 8/10, Koywe 6/10)
Execution failure: you get a worse price, later, or nothing.
Scored by Is the number on the widget the number that settles? · 26% (Coinify 5/10, Koywe 5/10)
Information failure: the number is wrong or bought, or your data leaks.
Scored by How much identity do I surrender before the coins land in my wallet, and how long does that take? · 18% (Coinify 7/10, Koywe 3/10)
Not assessed by this ranking: Control failure, Liveness failure, Custody failure, Insolvency failure, Exit 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: What does a €200 purchase actually cost me — by card and by bank, all-in? (34%).
Questions
Frequently asked questions
Coinify scores 34 points above Koywe, led by purchase cost, named licence, and KYC and speed. Published scores, out of 100: Coinify 75 (rank 2 of 16 onramps), Koywe 41 (rank 13 of 16).
Reviewed means both products compared here 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.
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