What is Coinhouse ?
France is home to several major players in the cryptocurrency space. Among them, Coinhouse stands out as a pioneer: the first French platform registered as a Digital Asset Service Provider (PSAN), offering secure and regulated crypto buying and selling.
But since the implementation of the MiCA regulation, European platforms like Coinhouse face a strict limitation: they are forbidden from offering yields on stablecoins. Users can buy and sell crypto but can no longer earn interest directly on their stablecoins.
👉 This is where Coinstancy, based in French Polynesia, steps in as an alternative. Being outside MiCA’s scope, Coinstancy continues to provide attractive stablecoin yields—exactly where Coinhouse is forced to stop.
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Coinhouse: a regulated French player
Founded in 2014, Coinhouse was one of the first European platforms to offer simple crypto buying and selling.
- Regulation ⚖️: Coinhouse is registered with the AMF as a PSAN.
- Services 💳: purchase, sale, and custody of cryptocurrencies like Bitcoin, Ethereum, or stablecoins.
- Target 👥: individuals and businesses looking for a French, regulated, and accessible platform.
Coinhouse has earned the trust of a large user base by providing a clear legal framework.
The limitation imposed by MiCA
The European MiCA regulation (Markets in Crypto-Assets), which came into effect in 2024, brought a strict rule:
👉 regulated platforms in Europe cannot offer yields on stablecoins.
This means players like Coinhouse can no longer provide savings products with returns on stablecoins (USDT, USDC, DAI, etc.).
For savers, this creates frustration:
- They can buy stablecoins on Coinhouse.
- But they cannot place them to generate yield.
As a result, many are searching for alternatives outside Europe.
Coinstancy: the solution outside MiCA
Coinstancy, based in French Polynesia, is not subject to MiCA. And that changes everything.
- Stablecoin yields 💸: Coinstancy allows up to 7% per year on stablecoins through savings pools.
- Ease of use 📲: the app is designed for beginners, with a simple interface.
- Security 🔒: assets are secured via Fireblocks, an institution-grade custody provider.
- Full liquidity 💧: funds can be withdrawn anytime, with no hidden fees.
In short: while Coinhouse is limited to buying and holding, Coinstancy adds the yield component that savers want.
Practical example: Coinhouse + Coinstancy
A user can easily combine the two platforms:
- Buy stablecoins on Coinhouse, with the security of a French regulated provider.
- Transfer them to Coinstancy, to place them in a pool and earn yield.
👉 This combo offers the best of both worlds: strict regulation for purchasing, freedom and returns for saving.
Coinstancy, a step further
Coinstancy goes beyond yield:
- Thematic pools: invest in crypto baskets covering specific sectors.
- Simplified staking: earn passive income by locking certain cryptos.
- Educational support: weekly L’Écho Crypto newsletter and beginner-friendly resources.
Thus, Coinstancy is not just an alternative but also a natural complement to Coinhouse.
Conclusion
Coinhouse is a strong, trustworthy, and regulated French player. But since MiCA, its users can no longer generate stablecoin yields.
👉 Coinstancy, based in French Polynesia, takes over. It offers simple, stable, and rewarding savings solutions, while remaining accessible to everyone.
💡 Together, Coinhouse and Coinstancy cover the full journey: buy, hold, and grow your crypto.
Get the best returns on Coinstancy.
Sign up for free in just a few clicks.
Frequently asked 🤔
Does Coinhouse still offer yields on stablecoins?
No ❌. Since MiCA, European-regulated platforms like Coinhouse can no longer provide yields on stablecoins. They are limited to buying, selling, and custody.
Why is Coinstancy not affected by MiCA?
Coinstancy is based in French Polynesia. Although linked to France, Polynesia is not part of the European Union and does not apply MiCA. Coinstancy can therefore legally offer yields.
What yields does Coinstancy offer?
Coinstancy stablecoin savings pools offer up to about 7% annually, with interest calculated continuously and no withdrawal fees.
Can users combine Coinhouse and Coinstancy?
Yes ✅. You can buy stablecoins via Coinhouse, then transfer them to Coinstancy to earn yield. It’s a simple and complementary strategy.
Is Coinstancy safe?
Yes. Coinstancy uses Fireblocks, a custody solution recognized worldwide for digital asset security. Funds are protected, and users maintain full liquidity.