Kotani Pay and Koywe tie on score at 41; the published tie-break orders them. Koywe ranks #13 and Kotani Pay #16 of 16 published onramps. The ledger below shows where each side is ahead — pick by the criterion that matters to you.
Koywe41
vs
Kotani Pay41
Scores are out of 100; published scores fall within 41–99 · ranks #13 and #16 of 16
Kotani Pay and Koywe tie on score at 41; the published tie-break orders them.
Koywe #13 of 1641
Kotani Pay #16 of 1641
Scores are out of 100; published scores fall within 41–99; a bar is empty at 41 and full at 99.
Why, term by termKotani Pay leads on 0 of 4 published criteria; Koywe on 4. The terms sum to the gap.
TermKotani PayKoyweWeightPoints
Purchase cost1/103/108.2−4.2for Koywe−2.2 of 32
Quote honesty2/105/106.2−4.9for Koywe−2.5 of 32
Named licence4/106/105.3−2.7for Koywe−1.4 of 32
KYC and speed2/103/104.3−1.1for Koywe−0.6 of 32
Net of the terms−13.0
Reproduced gap−13.0
Published gapAfter score rounding and bounds — see the note below41410.0
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.
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.Kotani PayScore 41FSCA-licensed (FSP 53594, register-verified) African mobile-money on/off-ramp API for integrators — but with no public fee number anywhere, a Terms page that 404s, and sales-call-gated onboarding, the buy-flow contract a retail buyer could check is simply not published.Strength: Licence identity — 4/10Watch-out: You cannot learn the price, the terms, or the delivery promise before committing: no fee number exists on any public page, the Terms and Conditions URL returns 404, and access itself requires booking a sales call — the licence is real, but everything a buyer would check before trusting money to the rail is unpublished.
Quick facts
At a glance
1 of 3 rows read the same for both.
FactKoyweKotani Pay
PricingSnapshotNo 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.No fee number is published. The entire fee disclosure is one FAQ answer on the Kotani Pay homepage (https://kotanipay.com/, fetched 29 September 2026, HTTP 200; the answer text ships in the page's script bundle): "Are there any fees associated with using Kotani Pay?" answered "Yes, we charge an on-ramp/off ramp free based on the product." [sic, "free" for "fee"]. The /on-off-ramp product page carries no numbers, and the docs On-Ramp guide that should carry them (https://docs.kotanipay.com/docs/kotani-pay-on-ramp, and its .md copy on kotani-pay.readme.io) still returns HTTP 404 on 29 September 2026 while the docs index still links it. No purchase can be priced from a published page.
Asset coverageEditorial——
Region fitSnapshotlatamafrica
From the published criteria
Which should you pick?
Koywe
41#13 of 16
Pick it when
Pick Koywe if purchase cost matters most — it scores 3/10 to Kotani Pay's 1/10 there (weight 34).
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.
Kotani Pay
41#16 of 16
Pick it when
Kotani Pay leads Koywe 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 — 4/10
Tradeoff
You cannot learn the price, the terms, or the delivery promise before committing: no fee number exists on any public page, the Terms and Conditions URL returns 404, and access itself requires booking a sales call — the licence is real, but everything a buyer would check before trusting money to the rail is unpublished.
Self-identify in 10 seconds
Which one is actually for you?
Koywe
Choose Koywe if purchase cost matters most
Purchase cost: 3/10 against 1/10 for Kotani Pay (weight 34)
Quote honesty: 5/10 against 2/10 for Kotani Pay (weight 26)
Named licence: 6/10 against 4/10 for Kotani Pay (weight 22)
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.
Kotani Pay
Kotani Pay leads Koywe on no published criterion
Choose it only if something outside the published criteria decides for you — your country, a funding rail, or custody.
Kotani PayScore 41FSCA-licensed (FSP 53594, register-verified) African mobile-money on/off-ramp API for integrators — but with no public fee number anywhere, a Terms page that 404s, and sales-call-gated onboarding, the buy-flow contract a retail buyer could check is simply not published.Strength: Licence identity — 4/10Watch-out: You cannot learn the price, the terms, or the delivery promise before committing: no fee number exists on any public page, the Terms and Conditions URL returns 404, and access itself requires booking a sales call — the licence is real, but everything a buyer would check before trusting money to the rail is unpublished.
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 2 of 10weight 8.2 of 86Koywe leads
Koywe3/10 out of 10
Kotani Pay1/10 out of 10
Quote honesty
by 3 of 10weight 6.2 of 86Koywe leads
Koywe5/10 out of 10
Kotani Pay2/10 out of 10
Named licence
by 2 of 10weight 5.3 of 86Koywe leads
Koywe6/10 out of 10
Kotani Pay4/10 out of 10
KYC and speed
by 1 of 10weight 4.3 of 86Koywe leads
Koywe3/10 out of 10
Kotani Pay2/10 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
Koywe6/20Kotani Pay6/20
Tie
Published criteriaweight 30 of 86
Koywe10/30Kotani Pay5/30
Koywe leads
Frictionweight 10 of 86 · constant here
Koywe2.7/10Kotani Pay2.7/10
Tie
Trust recordweight 8 of 86 · constant here
Koywe3.2/8Kotani Pay3.2/8
Tie
Measured dataweight 18 of 86
Koywe8.3/18Kotani Pay8.3/18
Tie
Decision rulePublished order
Same published score — pick by the criterion that matters to you.
Pick Koywe if purchase cost matters most — it scores 3/10 to Kotani Pay's 1/10 there (weight 34).
Kotani Pay leads Koywe 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% (Koywe 6/10, Kotani Pay 4/10)
Execution failure: you get a worse price, later, or nothing.
Scored by Is the number on the widget the number that settles? · 26% (Koywe 5/10, Kotani Pay 2/10)
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% (Koywe 3/10, Kotani Pay 2/10)
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
Kotani Pay and Koywe tie on score at 41; the published tie-break orders them. Published scores, out of 100: Koywe 41 (rank 13 of 16 onramps), Kotani Pay 41 (rank 16 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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