Kvarn X
Kvarn Capital Oy · FI · 7 countries served
MiCA-licensed · FIN-FSA (Somija) MiCA CASP + MiFID II investment firm★ 4.5 / 5
Kvarn X (operated by Kvarn Capital Oy and Kvarn Investment Services Oy) is a Helsinki-based multi-asset investment platform with a MiCA CASP licence from Finland's FIN-FSA (2026-02). Combines crypto, stocks, ETFs, bonds and gold products in one environment. Among the lowest fees in the EU - 0.1% on crypto trading and 0.06% (min €4) on stocks and ETFs. 400+ crypto assets and MiFID II investment firm status make it one of the strongest MiCA CASP exchanges in the EU.
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Fees
| Spot maker | 0.10% |
| Spot taker | 0.10% |
| SEPA deposit | Free |
| Card deposit | — |
| SEPA withdrawal | Free |
Features
- ✓SEPA transfers
- ✓Bank ID support
- ✓Mobile app
- ✓Two-factor authentication
- ✓Cold storage custody
- −Proof of Reserves
- −Derivatives (futures/perp)
- ✓400+ crypto trading pairs
Supported fiat currencies: EUR
Pros
- ✓FIN-FSA MiCA CASP licence (2026-02) + MiFID II investment firm
- ✓Very low fees: 0.1% crypto, 0.06% stocks/ETFs (€4 min)
- ✓400+ crypto assets - one of the broadest in EU MiCA exchanges
- ✓Multi-asset platform: crypto + stocks + ETFs + bonds + gold
- ✓iOS and Android apps
- ✓EU passport across 30 EEA countries
- ✓Automated Dollar-Cost Averaging (DCA)
- ✓Talos integration for MiCA-compliant execution
- ✓Professional institutional UI
Cons
- ✗EUR fiat only (no SEK/NOK/DKK)
- ✗Finnish/English only - no LV/LT/EE/Scandinavian
- ✗No public Proof of Reserves (yet)
- ✗Lower brand recognition in Latvia/Lithuania/Estonia
- ✗€4 minimum stock fee - higher for small trades