A stablecoin is a cryptocurrency designed to maintain a stable value by being pegged to a fiat currency such as the euro, US dollar or pound sterling. Unlike other cryptocurrencies, which can be highly volatile, stablecoins seek to reduce this volatility by ensuring a stable correspondence between the value of a stablecoin and the reference asset (for example, 1 stablecoin = 1 U.S. dollar).

There are several types of stablecoin, each relying on different equilibrium mechanisms to maintain this stability. The common objective of all stablecoins is to provide reduced volatility. The major advantage of stablecoins is that they enable users to retain the value of their assets without having to go back to a traditional fiat currency, while remaining on the blockchain. By combining the stability of fiat currencies with the technological advantages of blockchain, such as reduced fees, increased speed of execution or traceability, stablecoins offer an attractive solution for many users.

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On Paymium, it is possible to convert one's bitcoins (BTC) or euros into stablecoin USDC or EURCV.

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Here's how to proceed:

In the "Convert" tab, select the asset you wish to exchange.

Choose "USDC" or "EURCV" in the next field.

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Please note that, for the time being, USDC withdrawals are not yet available on Paymium.

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USDC (USD Coin) is a stablecoin issued by Circle, registered with the SEC (Securities and Exchange Commission).

USDC maintains its parity with the U.S. dollar by being backed mainly by short-term U.S. Treasury bills. To guarantee its stability and transparency, USDC reserves are regularly audited.

For more information on USDC and its transparency mechanisms, you can visit Circle's website: https://www.circle.com/en/transparency‍‍

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Why choose USDC?‍

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USDC is one of the most widely used stablecoins in the cryptocurrency ecosystem, benefiting from high liquidity. This high liquidity makes USDC particularly accessible and easy to use. What's more, USDC is renowned for its reliability, thanks to the various checks and audits to which it is regularly subjected.

This is why we have chosen USDC as the reference stablecoin on our platform.

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EURCV (“EUR CoinVertible”) is a stable cryptocurrency (stablecoin) whose value is indexed to the euro, meaning that one EURCV is designed to maintain a fixed value of one euro. It is used to facilitate digital transactions and store value without the volatility of other cryptocurrencies.

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EURCV is the stablecoin developed by Forge, a subsidiary of Société Générale and compliant with the new requirements of French and European stablecoin regulations such as the MiCA regulation which came into force on June 30.

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EURCV is based on the Ethereum blockchain.

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You can now deposit, buy and sell EURCV on your Paymium account.  The following brokerage pairs are available: EURCV/BTC and EURCV/EUR (see prices).

Last Updated: March 2025

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This offer expired on March 2025. Check out the new welcome offer.

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What is the Welcome Offer?

To thank you for choosing Paymium, you’ll receive a refund on your transaction fees (commissions) up to a total volume of €500 in transactions or during the first 30 days after signing up.

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How Does the Welcome Offer Work?

1. Sign up for free on Paymium.
2. Complete the verification of your account (mandatory to benefit from the offer).
3. Make your first transactions:
   • If you reach €500 in transaction volume within the first 30 days: You will receive a reward of €1.50 for every €100 of volume completed. The payment will be made automatically the following day at 4 AM CET.
   • If you do not reach €500 in transaction volume within 30 days: We will calculate a reward of €1.50 for every €100 of volume completed during this period. The payment will be made at the end of the 30 days.

Important: The reward amount is not exactly equal to the commissions paid, as these vary depending on several factors (such as trading pairs or the type of transaction).You don’t need to take any action — the reward is applied automatically.

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What Is Transaction Volume?

Transaction volume refers to any buying or selling activity involving the euro (EUR) or a stablecoin euro (EURCV). For example, if you purchase €200 worth of Bitcoin and later sell €100 worth of Bitcoin, your total transaction volume will amount to €300.

Important: Only volumes including a pair with the euro (EUR) or a stablecoin euro (EURCV) are counted. For instance, transactions on pairs like BTC/EUR, BTC/EURCV or ETH/EUR contribute to the volume. However, transactions on pairs without the euro, such as BTC/USDC, are not currently included.

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Eligibility Criteria

• Be a new customer who signed up on Paymium after October 15, 2024.
• Complete the verification process for your account.

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Additional Information

• Validity period: The offer is valid for the first 30 days after you sign up.
• Maximum refund amount: Fees are covered for a total of up to €500 in transactions.
• Program changes or termination: Paymium reserves the right to terminate or modify this offer at any time without prior notice.

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Start Today!

Sign up today and enjoy your first transactions without fees. The Welcome Offer is our way of thanking you and making your first steps in Bitcoin and cryptocurrency transactions easier.

For any questions, contact our customer service team.

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A market order is an order to buy or sell without a fixed price condition.
This type of order enables you to buy or sell immediately, based on the liquidity of the platform.

The investor can view the order book to get real-time bid and ask information.

In order to ensure that there is not a significant difference in the buy or sell price, there is a 2% protection compared to the estimated price.
It means that your buy/sell market order will not be executed if the price differs by more than 2%.

A limit order is a buy or sell order with a determined price condition.

This type of order provides security to the investor, but it may take some time for the order to be executed.

‍Limit order to buy
If the offered purchase price is too low, there may be no seller who has an offer compatible with your buy order. Your limit order will therefore not be executed immediately. 
In this case, you should wait until the sellers lower their price or modify your order with a higher limit.
If your limit is higher than a seller's offer, the seller's offer will be accepted and your order will be partially or fully executed.
Partial execution occurs if the quantity offered by the seller is less than the quantity specified in your order. It is possible that your order may be executed by combining bids from several sellers.

‍Limit order to sell
If this price is too high, there may not be a buyer who has a compatible offer for your sell order. Your limit order will therefore not be executed immediately.
In this case, you should wait until the buyers increase their price or modify your order with a lower limit.
If your limit is lower than a buyer's offer, the buyer's offer will be accepted and your order will be partially or fully executed.
Partial execution occurs if the quantity requested by the buyer is less than the quantity specified in your order. Your order may be executed by combining bids from several buyers.

A maker order is an order present in the order book that brings liquidity to the market.
The maker order can be executed by matching one or more taker orders that take liquidity from the order book, thus creating the market price.

A maker order must be different from the last market price.

A taker order is a buy or sell order that takes liquidity in the order book. It is directly matched with the best price offered.

The taker order differs from the maker order, which brings liquidity to the market because it is not directly executed.
The taker will 'match' directly with one or more maker orders.

The order book contains all active buy and sell orders in real time.

It is made up of two important elements:
- Bid corresponds to buy orders (in green on the expert interface),
- Ask corresponds to sell orders (in red on the expert interface).

It enables a client to view the amount of orders in the order book and position himself in comparison with other buyers and sellers.

The spread is the difference between the bid price and the ask price.

Generally, if the spread is low (close to 0), you will be able to trade faster at the best price.

However, if the spread is high, you will have to wait a while before you can trade at the best price.

An exchange is a platform without intermediaries that directly connects buyers and sellers. This is the case with Paymium.

A broker is an intermediary between clients and service providers.

These two types of players have significant differences in terms of service offerings, pricing and user experience.

In addition, the price of an asset is formed on exchange platforms.

Please read our article for more information.

The liquidity of a platform is the ease with which a user can buy or sell an asset (Bitcoin or other) at the best price.
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The depth of market provides information about the liquidity of the platform. It describes in real time the orders waiting to be executed.

A stop loss order is an order to close a position when the price of an asset reaches the price level set by the investor.

The price set by the investor must be lower than the last price.
The stop loss order protects the investor because if the asset reaches this price, a market order is executed.
However, since it is a market order that is executed, this means that the order can be executed at a lower price than the one that was set.

The stop loss functionality is not yet available on Paymium.

A stop limit order is a buy or sell limit order that is executed when the trigger level defined by the investor is reached.
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The investor must determine a stop price (trigger level) and a limit price in advance. The limit price must be less than or equal to the stop price.
If the price of the asset reaches the defined stop price, a limit order will be executed.

The stop limit order is a means of protection for the investor, as it enables him not to sell at a price lower than the defined one.
However, the order may not be executed (even if the stop price has been reached) because the limit order threshold was never reached.

The stop limit functionality is not yet available on Paymium.

2 possibilities to buy bitcoins.


‍1- Execute a market order

From a computer, please log in to your Paymium account and click on the 'Swap' tab.
Then, in the top drop-down bar, please select the currency 'Euro' and enter the desired amount.
Choose the type of payment: euros already in your account or by credit card.
Finally, select 'BTC' in the bottom drop-down bar and confirm your purchase.

‍From the mobile application, please log in to your account and once on the homepage, click on 'Buy'.
Enter the amount in Euro and an estimated amount of bitcoins will be displayed.
Choose the type of payment: euros already in your account or by credit card.
Finally, click on 'Buy'.

A market order will be executed.


‍2- Place a limit order

From a computer, please log in to your Paymium account and click on 'Buy or Sell (expert)' and 'Sell'.
Then click on 'Limit Order' and fill in the amount of bitcoins you want to buy. You will then see an estimate of the maximum price at which you want to buy your bitcoins and the amount you want to trade in euros.
Please fill in the price of your choice. Then swipe to confirm the order and click 'Are you sure?' to confirm your purchase.

‍From the mobile application, please log in to your account and once on the home page, click on 'Buy'.
Enter the amount in Euro and check 'Price limit per bitcoin'.
Then, enter the limit per bitcoin of your choice and you will be given an estimated amount of bitcoins. Finally, click on 'Buy'.

2 possibilities to sell bitcoins. 


1- Execute a market order

From a computer, please log in on your Paymium account and click on 'Swap' tab.
Then, in the top drop-down bar, please select 'BTC' and fill in the proposed amount.
Finally, select 'Euro' in the bottom drop-down bar and the estimated amount in Euro will be displayed. Then confirm your sale.

From the mobile application, please log in to your account and once on the homepage, click on 'Sell'.
Enter the amount in bitcoins and an estimate of the amount in Euros will be displayed. Finally, click on 'Sell'.

A market order will be executed.

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‍2- Place a limit order

From your computer, please log in to your Paymium account and click on 'Buy or Sell (expert)' and 'Sell'.
Then click on 'Limit Order' and fill in the minimum price at which you want to sell your bitcoins and the Euros you want to exchange.
Swipe to confirm the order and click on 'Are you sure?' to confirm your sale.

From the mobile application, please log in to your account and once on the homepage, click on 'Sell'.
Enter the amount in bitcoins and check 'Price limit per bitcoin'.
Then, enter the bitcoin limit of your choice and you will be given an estimated amount in Euro. Finally, click on 'Sell'.

From a computer, please log in to your Paymium account and click on the 'Swap' tab.
Then, in the top drop-down bar, please select the currency 'Euro' and fill in the requested amount.
Choose the type of payment: euros already in your account or by credit card.
Finally, select 'ETH/altcoin' of your choice in the bottom drop-down bar and confirm your purchase.

‍From the mobile application, please log in to your account and once on the homepage, click on 'Buy'.
Then select the crypto-currency of your choice, enter the amount in Euro.
Choose the type of payment: euros already in your account or by credit card.
You will then see an estimate of the amount of the crypto-currency.
Finally, click on 'Buy'.

From a computer, please log in to your Paymium account and click on 'Swap'.
Then, in the top drop-down bar, please select 'ETH/altcoin' of your choice and fill in the proposed amount.
Finally, select 'Euro' from the bottom drop-down bar and confirm your sale.

‍From the mobile application, please log in to your account and once on the homepage, click on 'Sell'.
Next, select the crypto-currency of your choice, enter the amount of the crypto-currency and it will display an estimated amount in Euros. Finally, click on 'Sell'.

In order to ensure fast execution of your crypto-currency buy and sell orders, you have two separate euro accounts:
- Deposit account: allows you to deposit/withdraw your euros,
- Trading account: allows you to buy/sell crypto-currencies.
You need to transfer your euros between these two accounts depending on the transaction you want to make.
The transfer is almost instantaneous. It may be necessary to refresh the page.

How to do it?

From a computer
Simply go to this page or click on the drop-down menu with your portfolio estimate and click on 'Internal Transfer'.
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From the mobile application
Just click on the four parallel bars at the top left and on 'Internal transfer'. Then follow the instructions.

When you want to buy crypto-currency, make sure your trading account is credited.

And when you want to make a euro withdrawal to your bank account, make sure your deposit account is credited.

There are several reasons for this problem, please ensure that:

- your Paymium IBAN is created. To do so, from a computer, please click on 'Deposit',

- your account is credited in Euro or in crypto-currencies, and especially the trading account,

- your device (computer or smartphone) is up to date.

If you are still unable to trade, please contact us.

A Recurring Buy Plan (RBP) also known as DCA (Dollar-Cost Averaging) enables you to automatically purchase crypto-currencies at the frequency of your choice (daily, weekly or monthly).
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The minimum purchase order is €5.
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Your trading account must be credited with Euro in order for the purchase to be executed.

To set up a RBP, please click on 'Set up DCA' and choose the crypto-currency of your choice. Fill in the quantity and frequency, then swipe the 'Launch your RBP'
button.

If your Paymium account is not credited with Euro, your RBP will be stopped.
Once your account is refilled, your RBP will automatically be functional again.

The frequency can be daily, weekly or monthly.

From your computer, please click on the 'Set up DCA' tab, select your RBP, stop it and create a new one to make changes.

Currently, Bitcoin and Ethereum are available for RBP plans.
In the future, this service should be extended to other crypto-currencies.

Currently, you can have one Bitcoin RBP and one Ethereum RBP.
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It is not possible to have multiple RBP of the same crypto-currency.

Your RBP will stop.

Please make sure that your trading account is credited with euros.

Please ensure that your trading account is credited with euros.
Once credited, your RBP will resume.

If your trading account is credited with euros and your RBP is not working, please contact us.

From your computer, please click on the 'Set up DCA' tab, then select your RBP and swipe the 'Stop your RBP' button.

The OTC (Over-The-Counter) service enables users to buy and sell crypto-currencies over-the-counter, starting from a minimum amount of €50,000.
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The price and quantity are determined in advance and validated by the client prior to the execution.

A reliable and secure actor.
We are one of the oldest actors in the crypto-currency world and we are also registered as a PSAN with the AMF (no. E2021-011).
Please visit our blog to learn more about us.

‍A responsive and flexible actor.
Once your account is approved and credited, your OTC order can be executed within hours.
You will have a dedicated French-speaking account manager to assist you. You can choose the communication channel of your choice.
Please read this article for more information.

We invite you to contact us by completing this form.

Once the form is completed (only a few minutes), an account manager will contact you to make an offer.
You will have the opportunity to accept it or not.

The OTC service is available from a minimum purchase or sale amount of €50,000 or equivalent Bitcoin or Ethereum.

Once your account has been approved and credited, the OTC order can be executed within a few hours.

The OTC service is currently available for Bitcoin and Ethereum.
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It is expected to be offered for other crypto-currencies in the future.

From your computer, click on 'Swap'. Enter the amount in euros of your choice and select 'Credit card'.
Select the crypto-currency you want and an estimate will be displayed.
Finally, click on 'Swap'.

From your mobile application, click on the three parallel bars at the top right of the screen, then on 'Buy or sell'.
Enter the amount in euros of your choice and just below, select 'Credit card'.
Select the crypto-currency you want and an estimate will be displayed.
Finally, click on 'Swap'.