Paymium vs Coinstancy: which fintech should you choose?

Two platforms, two visions of the financial future.
 On one side, Paymium, the French Bitcoin pioneer — a long-standing exchange founded in 2011 that lets users buy and sell crypto assets under full French regulation.
On the other side, Coinstancy, born in Tahiti, designed for yield, liquidity, and simplicity: a digital savings platform based on stablecoins, paying 7% per year guaranteed, with interest calculated every second and withdrawals possible anytime.

To put it simply:

• Paymium = a crypto exchange for buying and selling.
• Coinstancy = a modern savings platform focused on stability and return.

If you just want to speculate on Bitcoin’s price, Paymium works fine.
 But if you want your money to work for you, safely and steadily, Coinstancy wins this comparison by a mile 💸.

Paymium: a regulated French crypto exchange 🇫🇷

Paymium is one of the oldest crypto platforms in France. Operating for more than ten years, it’s known for being a compliant, regulated exchange for buying, selling, and holding cryptocurrencies in euros.

Here’s what Paymium offers:

• Buying Bitcoin, Ethereum, and other cryptos like USDC.
• Deposits and withdrawals in euros.
• A beginner-friendly interface for easy purchases.
• An advanced interface with order books, lower fees, and an API for traders.
• OTC services for large amounts (above 50,000€).
• Accounting exports and transaction history for tax reporting.

Regulation-wise, Paymium is registered in France as a digital asset service provider. That means it’s monitored by the French financial authority (AMF), with full KYC/AML compliance. For European users, that’s reassuring — it’s a real company, with offices, staff, and a known regulatory framework.

Security is also a strong point: segregated client accounts, custody controls, and operational procedures. The message is clear: “We’re French, regulated, and accountable.”
For many users, that’s a comfort ❤️.

But here’s the issue.

Paymium’s model is the traditional exchange model:
you buy crypto, you hold it, and you take on market risk.
There’s no built-in yield.
No guaranteed interest.
No automatic passive income.

That’s where the comparison starts to tip heavily in Coinstancy’s favor.

The MiCA wall: why Paymium can’t reward your savings anymore 🧱

Since the implementation of the MiCA regulation in Europe, exchanges like Paymium have hit a major roadblock: they can no longer legally offer yield on stablecoins.

In practice, this means:

• If you deposit stablecoins (like EURC or USDC) with a European exchange, you can’t earn interest.
• “Earn” or “staking” programs on stablecoins have been frozen or shut down.
• Most yield products targeting retail users are now forbidden or heavily restricted.

That’s a problem for savers — because in Europe, you can buy stablecoins but you can’t earn from them.

So what happens?
 You buy.
 You hold.
 You wait.
 You take the risk.

That’s Paymium’s limitation today: it’s an entry point into crypto, not a yield solution.

Coinstancy: turning crypto savings into a real financial product 💎

Coinstancy approaches the problem from the opposite direction.
 It’s not about turning you into a trader — it’s about turning your savings into a stable, predictable income stream.

Here’s how it works:

1. You deposit stablecoins like USDC, USDT, or EURC (each pegged 1:1 to the dollar or euro).
2. Your funds go into a managed “pool” run by Coinstancy.
3. You earn 7% per year, guaranteed, calculated every second, credited continuously.
4. You can withdraw anytime — no lockups, no penalties, no waiting.

In essence, Coinstancy works like a modern savings account — except where a French or Polynesian savings account pays around 1.7% per year, Coinstancy pays 7%.
 That’s a massive difference.

And importantly: Coinstancy doesn’t gamble with your funds.
 No leverage.
 No speculation.
 No risky derivatives.

The yield comes from structured, diversified, DeFi-backed operations — invisible to you, completely automated, and professionally managed.
 You don’t need to interact with the blockchain, set up a wallet, or learn about Aave or Compound.

And you see your returns grow in real time ⏱️.
That’s something Paymium simply doesn’t offer.

Liquidity: who lets you access your funds more easily? 💸

On Paymium, you can always withdraw your crypto or convert it back to euros — that’s the basic exchange model.
 But the value of your funds depends on market prices.
 If Bitcoin drops, so does your portfolio.

Coinstancy flips that logic:

• You deposit stablecoins (non-volatile assets).
• You earn 7% yearly yield.
• You withdraw anytime.
• There’s no lockup, no freeze, no penalty.

That makes Coinstancy closer to an active cash management solution than a trading platform.
You can treat it like a high-yield treasury, whether you’re an individual saver or a small business owner.

Paymium, on the other hand, remains a market access tool — useful for buying, but not for growing your balance safely.

Security and regulation: both serious, but not the same 🔐

Paymium’s strength lies in its European compliance:
 fully registered in France, under EU rules.
 You know who they are, where they operate, and what laws apply.

Coinstancy’s strength lies in its location and structure:
based in Tahiti, French Polynesia — an autonomous territory not directly subject to EU MiCA rules.
That means Coinstancy can legally offer yield-bearing stablecoin products that would be banned in mainland Europe.

Operationally, Coinstancy uses institutional-grade custody via Fireblocks, ensuring client deposits are protected with top-tier infrastructure.
The goal is to merge modern digital yield with bank-level safety.

So yes, both are secure and compliant —
 but Paymium focuses on buying Bitcoin safely,
 while Coinstancy focuses on making your capital grow predictably at 7%.

They’re playing two different games entirely.

Who should choose Paymium? 🧑‍💻

Paymium is a solid choice if:

• You want to buy Bitcoin or Ethereum with euros.
• You prefer a French, regulated company within the EU.
• You like managing your own crypto portfolio.
• You’re okay with market volatility and long-term holding.

In short: Paymium is for crypto investors and traders — people who want to buy and hold, not earn a fixed yield.

Who should choose Coinstancy? 💼

Coinstancy is ideal for:

• People who want fixed, predictable income instead of speculation.
• Users who want to grow their funds safely without volatility.
• Professionals or freelancers managing short-term cash reserves.
• Individuals in Polynesia, Africa, or Europe seeking 7% annual yield, with instant withdrawal anytime.

Coinstancy isn’t about playing the market.
 It’s about making your money work — safely and continuously.

Verdict 🏁

Paymium is a serious, historic French exchange — perfect for buying Bitcoin and entering the crypto market safely.

But Paymium is still part of the “old crypto world”:
 you buy, you wait, and you hope the price goes up.

Coinstancy is already in the next generation of fintech:

• 7% annual yield, calculated every second,
• no lockups,
• stable, non-volatile assets (USDC, USDT, EURC),
• institutional-grade security (Fireblocks),
• a legal structure outside MiCA’s limitations.

So if the question is:

“Which fintech should I choose to grow my money safely, simply, and profitably?”

The answer is clear: Coinstancy wins — hands down 🏆.