Business case
A fee merchants have a reason to pay
Buyer protection is the reason cards win high-value online purchases and crypto does not. Assure sells that protection as a line item on top of an existing crypto-acquiring account: the merchant is charged only on orders that carry it, and only while it is carried.
What the merchant pays today, and with us
Card payment with chargeback rights
1.5–3.0% + €15–25 per disputed case
The merchant pays the scheme fee on every order and a penalty on every dispute, whether or not the dispute is upheld. A case takes weeks.
Plain stablecoin payment
cents per transfer, no recourse
Cheap and final. There is nobody to complain to, which is exactly why buyers will not use it for anything expensive.
Stablecoin payment through Assure
0.4% of the protected amount
The merchant pays only on protected orders. Disputes are decided in minutes, and an upheld one costs the refund, not a penalty on top of it.
What one dispute costs us
An automatically decided case costs about five cents against a fee of several euros. The cases that go to a person cost what dispute handling has always cost — which is the argument for keeping that path narrow, not for removing it.
Revenue against protected volume
€1M protected per month
€4,000
monthly fee income
€10M protected per month
€40,000
monthly fee income
€50M protected per month
€200,000
monthly fee income
These are rate-card arithmetic, not a forecast: 0.4% applied to a volume you choose. What share of crypto-acquiring volume opts into protection is the number worth arguing about, and the honest answer is that nobody knows until it ships to real merchants.
Where the rest of the value is
- ·Protection is a reason to route a payment through Mercuryo rather than a wallet-to-wallet transfer, so it defends acquiring volume that is otherwise free to leave.
- ·Escrowed balances and settlement move through Mercuryo's existing pay-in and pay-out rails, which is volume on top of the fee itself.
- ·Every decided case is labelled evidence about a merchant, which feeds the risk scoring that acquiring already runs.