Before we dive into the detailed analysis, here's a summary of Criptan's key metrics at a glance.
Criptan Quick Summary
| Score | |
| Established in | 2018 |
| Headquarters | Spain |
| Regulator | CASP MiCA |
| Cryptocurrencies | +30 |
| Maker/Taker | Staggered |
| MiCA regulation | Yes, starting in 2026 |
| Minimum deposit | 1 € |
About Criptan: Origin and Target Audience
Criptan is a Spanish platform founded in 2018 to facilitate the purchase, sale, custody, and generation of returns on digital assets. Its product avoids complex trading tools and focuses on an experience similar to that of a savings and investment app.
Pros
MiCA Authorization Granted by the CNMV in Spain
More than 100,000 customers and access from more than 140 countries
Earn with weekly payments and flexible or fixed terms
BitGo, cold storage, ISO 27001, and insurance coverage of up to 250 million
Cons
It does not have an order book or maker/taker fees
Initial commission of 0.99 %, higher than several Pro exchanges
Earn involves counterparty risk and a lock-in period for time deposits
A more limited selection than Binance, Coinbase, or Kraken
Criptan reports more than 100,000 customers, approximately 100 million euros in assets under management, and availability of its app and web version in more than 140 countries. In 2026, it obtained MiCA authorization and launched a new round of funding to drive its growth in Spain, Andorra, and Europe.
Who is Criptan for? For users looking for a simple Spanish platform, customer support in Spanish, transfers in euros, and yield products based on BTC, ETH, USDC, and EURC.
What level of security does Criptan offer?
Criptan combines MiCA authorization, multi-signature storage, institutional custody with BitGo, access controls, KYC, ISO 27001 certification, and insurance coverage of up to 250 million for certain cold assets.
The public rating is displayed as follows:
Global Regulation and MiCA Authorization
In March 2026, Criptan Trade, S.L. received authorization from the National Securities Market Commission (CNMV) to operate as a crypto-asset service provider under MiCA. The entity is listed in the CNMV registry and on the European CASP list.
The authorization allows the company to provide the services listed in the resolution and to use the European passport within the EU and the EEA. Criptan also maintains the Bank of Spain’s D646 registration, which previously covered anti-money laundering obligations for custody and exchange services.
MiCA establishes requirements regarding governance, capital, segregation, custody, reporting, and claims, but it does not eliminate volatility or guarantee returns. Each product must be analyzed based on its specific terms.
Custody and protection of funds
Criptan claims to hold more than 80 % of its crypto assets in ultra-cold multi-signature wallets. Moving them requires authorization from multiple people located in different places, reducing the risk of a single key being compromised.
Part of the custody is handled by BitGo Europe. The Lloyd’s of London policy can provide up to $250 million in coverage for assets in cold storage when the custodian’s conditions are met.
Coverage does not mean that every customer is insured for 250 million, nor does it protect against market losses, stablecoins, investment decisions, or all scenarios related to Earn. The exact scope depends on the policy and the incident.
Reserve Test and transparency
Criptan does not offer a public Proof of Reserves verifier using a Merkle tree comparable to those used by Kraken or Binance. Its transparency relies primarily on institutional custody, audits, MiCA oversight, and regulatory segregation.
USDC and EURC balances also depend on Circle's reserves and attestations. An audit or custodian insurance does not replace a public, real-time view of all of Criptan's assets and liabilities.
For Earn, users should review how assets are used, the profit-sharing partners, and counterparty risk. Criptan has announced partnerships with providers such as OpenTrade for certain products linked to stablecoins.
Account Security
The platform requires KYC and implements access controls, encryption, and internal procedures. Users must use a unique password, biometric authentication when available, and always verify their email address, domain, and withdrawal information.
ISO 27001 certification attests to a security management system that is subject to controls, but it does not guarantee that an incident will never occur. Criptan has not publicly suffered a massive loss of customer funds comparable to major international hacks.
Blockchain transfers are irreversible. Sending funds to the wrong network, disclosing codes, or following instructions from a fake support team can result in losses beyond the platform’s control.
Security Pros
MiCA Authorization and Supervision by the CNMV
More than 80 % in ultra-cold multi-signature wallets
BitGo and coverage of up to 250 million USD
ISO 27001 Certification and KYC
Security Drawbacks
It does not publish a verifiable PoR for each user
The insurance policy has specific limits and conditions
Earn introduces a risk different from that of simple custody
Centralized custody: the user does not control the keys
Global Availability of Criptan
Criptan states that its app and desktop version are available in more than 140 countries. Its primary focus remains on Spain, Andorra, and European customers who use euros.
The MiCA authorization allows services authorized by the CNMV to be passported throughout the European Union and the European Economic Area. Actual availability may vary during the passporting process and depending on the products offered.
Outside of Europe, the app may be accessible, but MiCA does not automatically protect customers from any country. Criptan must comply with sanctions, anti-money laundering regulations, local restrictions, and the terms and conditions of each payment method.
You should not use a single color to indicate that all products are available in all 140 countries. Purchase, Bank Withdrawal, Earn, Shopping Carts, and Criptan Business may have different lists.
Cryptan Fees
Criptan uses a flat trading fee rather than a maker/taker model. The new tiered system reduces costs based on the volume over the last 30 days and the balance held in Earn.
Trading commission: starting at 0.99% and tiered discounts
The published starting rate is 0.99%. Discounts may bring it down to around 0.75%, 0.55%, or 0.45% at higher tiers, depending on volume and current terms.
| Platform | Maker | Taker / Buy/Sell |
|---|---|---|
Criptan
|
Not applicable | 0,99% |
Finst
|
0,15 % | 0,15 % |
Bitvavo
|
0,15 % | 0,25 % |
BLOX
|
Not applicable | 0.25 % flat |
Bit2Me Pro
|
Variable | Variable by volume |
Kraken
|
0,25 % | 0,45 % |
Coinbase Advanced
|
0,40 % | 0.60 % in the reference segment |
The final quote may also include market spreads or liquidity provider fees. Before confirming, you should verify the exact amount received, not just the advertised percentage.
Did you know? A purchase of 1,000€ at a rate of 0.99% results in a commission of 9.90€. If the platform reduces the rate to 0.45%, the cost drops to €4.50, compared to €1.50 on a platform with a flat rate of 0.15%.
Global Fiat Deposits and Withdrawals
SEPA transfers in euros are typically free when made through Criptan. Deposits made with a card, Apple Pay, or Google Pay may incur a provider fee of approximately 1.45%.
A fixed fee applies to euro withdrawals; please refer to the current fee schedule for details. Public sources indicate that the cost ranges from approximately €1.50 to €2.40, depending on the type of transaction and the most recent update.
There are no deposit fees for cryptocurrency deposits, but the source network charges a fee. Withdrawals incur a fixed fee and a variable blockchain fee depending on the asset and network congestion.
Earn Commission and Advanced Products
Criptan Earn displays the net return or terms for each product before confirmation. Earn Flex allows you to request a withdrawal, while Earn 90, 180, and 360 lock in your principal for the corresponding term.
Rewards are paid out weekly, usually on Fridays. A guaranteed APR during the cycle does not equate to capital guaranteed by a public fund; there are risks associated with Criptan, custodians, borrowers, stablecoins, and partners.
| Concept | Cost in Criptan |
|---|---|
| Buying and Selling, Beginner Level | 0,99 % |
| Buying and Selling, Advanced Levels | Approximately 0.75 %, 0.55 %, or 0.45 % |
| SEPA Deposit | Free through Criptan; the bank may charge a fee |
| Deposit via credit card or digital wallet | Approximately 1.45 % from the supplier |
| Euro Withdrawal | Flat rate; check current amount |
| Crypto Deposit | 0 € for Criptan; the source network is charged |
| Crypto Withdrawal | Fixed charge and variable network charge |
| Earn | Net Return by Asset, Term, and Product |
Step-by-Step Guide to Opening an Account with Criptan
Registration is completed through the app or website and requires identification. The residence determines payment methods, terms, and product availability.
Step 1: Initial registration
The user enters an email address or phone number, creates a password, and verifies their contact information. They should always log in through the website or official apps.
Residence and nationality must be reported accurately. This information determines the contracting entity and the applicable controls.
Step 2: Identity Verification (KYC)
Criptan requests an official document, a selfie or video, and personal information. It may also ask for your address, tax residence, economic activity, and the purpose of the account.
For large amounts or unusual transactions, proof of the source of funds, pay stubs, bank statements, or tax returns may be required. This is an AML requirement and not an optional procedure.
Step 3: Link a bank account
Users can deposit euros via SEPA transfer or compatible instant payment methods. The bank account and card must belong to the verified account holder.
You can also deposit supported cryptocurrencies. Before sending, be sure to check the asset, network, address, and memo; a quick test can help prevent errors.
Did you know? Depositing 1,000 € via SEPA may be free, while doing so with a card at a 1.45 % rate would cost approximately 14.50 € before the purchase fee.
Step 4: First Purchase or Deposit on Earn
To make a purchase, the user selects the asset, enters the amount, and reviews the fee and final total. Cestas allows you to automatically distribute your funds across multiple cryptocurrencies.
Before using Earn, you should check the term, APR, automatic renewal, early withdrawal, and risks. Fixed-term products may prevent you from recovering your principal until maturity.
Summary of Requirements for Opening an Account with Criptan
- Be older than 18.
- Reside in an eligible jurisdiction.
- Have a valid official document.
- Complete the selfie or biometric verification.
- Provide your mailing address and tax residence.
- Use your own bank account or card.
- Provide proof of the source of funds when requested.
Important note: Make a small initial transfer and withdrawal before depositing a large amount or opening a time deposit account.
Available cryptocurrencies: more than 30 assets
Criptan provides access to more than 30 assets, including BTC, ETH, USDC, EURC, LTC, SOL, XRP, ADA, DOGE, DOT, LINK, AVAX, TRX, SUI, UNI, BCH, POL, ARB, XLM, KAS, TAO, AAVE, ONDO, ENA, JUP, TIA, CRV, LDO, PAXG, XTZ, COMP, and SUSHI.
Earn focuses on BTC, ETH, USDC, and EURC. Not all assets support deposits, withdrawals, or returns; some are primarily offered through Baskets.
The catalog is sufficient for a simple, diversified portfolio, but it falls far short of the hundreds or thousands of tokens available on global exchanges.
Criptan Aprende, Cestas, and Business: Education and Tools
Criptan combines trading, profitability, and educational content. Its blog explains Bitcoin, stablecoins, regulation, taxation, and market context.
| Product | Focus |
|---|---|
| Buy Crypto | Simple buying and selling without an order book |
| Criptan Earn | Flexible terms or terms of 90, 180, and 360 days |
| Encrypt Baskets | Diversified and Automated Portfolios |
| Savings | Available balance and yield based on terms and conditions |
| Criptan Business | Treasury, Custody, and Products for Businesses |
| Criptan Learn | Education and Market News |
Beyond buying and selling, Criptan offers:
- Weekly dividend payments.
- Customizable portfolios with more than 30 assets.
- Transfers in euros and cryptocurrencies.
- Transaction history and downloadable tax documentation.
- Referral Program and Promotions.
- Services for individuals and businesses.
Criptan Earn: Earnings on Your Cryptocurrencies
The rates published as of January 2026 depend on the asset and term. Earn Fijo maintains a fixed APR throughout the term; Flex and Lottery offer greater liquidity but lower returns.
| Asset | Earn Flex | Earn 90 | Earn 180 | Earn 360 |
|---|---|---|---|---|
| USDC | 3.50 % APR | 4,50 % | 4,25 % | 4,00 % |
| Bitcoin | 0.70 % APR | 1,05 % | 1,10 % | 1,20 % |
| Eth | 2.20 % APR | 2,40 % | 2,75 % | 2,90 % |
| EURC | 2.10 % APR | 2,80 % | 2,55 % | 2,30 % |
The most important thing about Criptan Earn:
- Rewards are paid out weekly.
- Fixed-term deposits of 90, 180, or 360 days.
- Flex with a withdrawal request and terms of execution.
- APR varies by asset and term.
- Counterparty risk and stablecoin; this is not a bank deposit.
Regular Purchases (DCA): Automate Your Purchases
Criptan allows you to automate strategies using purchases or portfolios when the feature is available. The user defines the amount, assets, and frequency.
Each trade is subject to the rate for that tier. For frequent trades, you should compare the total cost with an exchange that charges less per trade.
Available order types
Criptan does not offer a professional account with limit, stop, or market orders. Its main trading options are:
- Instant buying and selling based on a quote.
- Conversion between euros and eligible assets.
- Crypto deposits and withdrawals.
- Diversified investment portfolios.
- Subscription to Earn Flex or Fixed.
Simplicity is beneficial for beginners, but it limits control over price and execution for active traders.
Criptan vs. Bit2Me
The most natural comparison is between Criptan and Bit2Me. Both are Spanish companies authorized under MiCA and allow transactions in euros.
| Characteristic | Criptan | Bit2Me |
|---|---|---|
| Foundation | 2018 | 2014 |
| Headquarters | Valencia | Elche, Spain |
| Regulation | MiCA via the CNMV and D646 registration | MiCA via the CNMV and regional registries |
| Commission Model | Starting at 0.99 % with tiered discounts | Simple Purchase and Bit2Me Pro with Volume-Based Rates |
| Cryptocurrencies | More than 30 | More than 400, depending on the product |
| Security | BitGo, cold storage, ISO 27001, and insurance | Ledger Enterprise, Cold Storage, and Internal Controls |
| Unique Product | Weekly Earnings and Simple Baskets | Expanded Ecosystem, Pro, Card, and API |
| Platform | App and website | App, Web, Pro, Card, and Business Services |
| Ideal for | Savings, stablecoins, and simple returns | Users looking for more assets and tools |
Criptan stands out for its streamlined experience, Earn with weekly payouts, and personalized customer service. It's easy to understand exactly what product you're signing up for.
Bit2Me offers more assets, Pro trading, and a larger ecosystem. For frequent trading, it may be more flexible; for straightforward profitability, Criptan offers a more direct path.
Apps and Platform: How Is Criptan Used in Everyday Life?
Criptan offers an app for iOS and Android and a web platform. Navigation focuses on the portfolio, buying, Earn, baskets, and transactions.
The app avoids complex charts and derivatives. Users can view their balance, cumulative returns, upcoming payments, due dates, and transactions all from a single account.
Public reviews highlight ease of use and customer support, although there are also criticisms regarding fees, spreads, and occasional app glitches.
Final Verdict: Is Criptan Worth It in 2026?
We believe Criptan is a solid option for users looking to buy, save, and earn returns on cryptocurrencies through a user-friendly platform. Its MiCA authorization under the supervision of the CNMV, along with BitGo, multi-signature custody, and ISO 27001 certification, particularly strengthens its offering for the Spanish market.
The app stands out for its ease of use, recurring purchases, shopping carts, and the Earn program with weekly payouts. On the other hand, its initial fee of 0.99%, its selection of just over 30 assets, and the lack of advanced tools may fall short for frequent traders or users looking for a wide variety of altcoins.
Ultimately, Criptan is a good choice for beginners and long-term investors who value regulation, support in Spanish, and a hassle-free experience. It wouldn’t be our first choice for professional trading or the lowest fees, and its Earn returns should be used with the understanding that they involve risks and are not guaranteed like a bank deposit.
This review is based on our actual experience using Criptan. We tested the platform by making deposits, purchases, sales, and withdrawals of cryptocurrencies, and we also evaluated its fees, security, and ease of use. The assessment you are reading reflects our hands-on experience, not a first impression or financial advice.
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