How does Criptan make money?

Criptan is a Spanish platform that empowers users to buy, sell, hold, and earn interest on their assets. By adding Euros or popular cryptocurrencies like USDC, BTC, or ETH, users can earn interest through investment options or simply by keeping their funds in Criptan wallets.In this article, we’ll explain how Criptan works and highlight why it’s the ideal solution for users looking to unlock new financial opportunities.Criptan’s journey began in 2018 with a focus on enabling cryptocurrency transactions—sending, receiving, and trading. Over time, as the company grew, so did its portfolio of services. Today, Criptan not only continues to offer its core features but also introduces “Criptan Earn” a groundbreaking vertical designed to help users maximize their funds through innovative investment opportunities. Since its launch, Criptan Earn has achieved remarkable success, thanks in part to its commitment to robust risk management practices. Criptan’s impeccable track record has remained intact, even during major market disruptions such as the collapse of FTX/Alameda, UST/Luna, BlockFi, Celsius, and others.

Take a look at the chart below and let’s break it down by revenue streams:

Revenue stream 1: Cryptocurrency transactions

Criptan, as part of its Liquidity Management Infrastructure (LMI), offers users the ability to add euros through a bank account and use personal cryptocurrency wallets (custodied by Criptan) to store their assets and access all available services. Although Criptan does not generate revenue from the euros or cryptocurrencies users send to the platform, as these operations have no associated cost, are essential for users to access other services that do generate income for the company, such as:

• Sending Services
  • Through its Liquidity Management Infrastructure, Criptan allows users to send funds to both other Criptan users and external platforms, whether in euros or cryptocurrencies.
  • While the goal is not to charge a withdrawal fee that poses a problem for users when accessing their funds —as it is primarily aimed at covering operational costs—, in this case, the company does generate revenue.
    • Euro Withdrawals: the base cost for euro withdrawals is a percentage of the amount withdrawn, with a minimum fee applied. However, clients in certain tiers may enjoy free withdrawals.
    • Cryptocurrency Withdrawals: the base cost for crypto withdrawals is a percentage of the amount withdrawn, with a minimum fee dictated by the current costs of the blockchain used. Again, depending on the client’s tier, crypto withdrawals may be free of charge.
• Brokerage services
  • Criptan features a high-precision order management system and access to the leading liquidity sources in the ecosystem. This allows it to offer competitive pricing to its clients while ensuring a healthy margin for the company. By integrating with a robust liquidity management infrastructure—including cold and hot wallets, fiat accounts, and blockchain tools—the system guarantees real-time availability and fund security. For users, this translates into more efficient transactions, optimized costs, and the peace of mind that their capital is managed securely and transparently, even in highly volatile market conditions.
    • Trading fees (purchases and sales): the base cost for trading operations on Criptan includes a fixed fee for both crypto purchases and sales. However, these fees may be waived for clients in specific tiers.
    • Spread: the spread is the difference between the buying and selling price that Criptan offers to its clients. Criptan sets these prices based on market conditions, allowing the company to provide users with a fixed, predictable rate while ensuring the ability to replenish its inventory with a profit margin.

Revenue stream 2: Criptan Earn

Criptan leverages its ability to borrow funds from its customers at a competitive rate and deploys this capital through carefully designed investment strategies to generate income. Criptan’s approach prioritizes stability and efficiency, focusing (but not limited) on three core strategies:

• Institutional Lending
  • Criptan lends funds to institutional investors against collateral, ensuring secure and stable returns.
    • Example
      • “Institution 1” wants to borrow 100,000 USDC.
      • A third-party partner collaborating with Criptan requests that “Institution 1” add, for example, 200,000 USD in Solana (SOL) to qualify for a loan of 100,000 USDC.
      • “Institution 1” adds the collateral of 200,000 USD in Solana and qualifies for the loan of 100,000 USDC.
      • Criptan, through the third-party partner and knowing the added collateral, lends 100,000 USDC to “Institution 1” at a determined interest rate.
      • Finally, “Institution 1” repays the 100,000 USDC plus the corresponding interest to Criptan within the agreed term, and the third-party partner releases the 200,000 USD collateral in Solana back to “Institution 1.”
• DeFi Liquidity Provision
  • Criptan provides liquidity in various DeFi markets, including Automated Market Makers (AMMs) and Decentralized Exchanges (DEXs).
    • Example
      • Criptan wants to participate in a DeFi protocol providing liquidity and decides to do it in a popular decentralized exchange (DEX).
      • Criptan adds 200,000 USDC into the DEX liquidity pool, becoming a liquidity provider.
      • The DEX uses the provided liquidity to facilitate trades between different tokens, ensuring that users can swap assets at competitive rates.
      • In return, Criptan receives a portion of the transaction fees generated by the trades in the pool, earning passive income over time.
      • Criptan monitors the liquidity provision, ensuring optimal yield and minimizing risks for the company by regularly assessing market conditions.
      • If Criptan decides or needs to exit the strategy, the assets are “rescued” from the liquidity pool and made available for use in another strategy or returned to customers.
• Derivatives Arbitrages
  • Criptan executes delta-neutral trades between native crypto derivative markets and spot markets to capitalize on price differences without taking directional risks.
    • Example
      • Criptan wants to take advantage of arbitrage opportunities in the crypto derivatives markets.
      • Criptan identifies a price discrepancy between a crypto derivative market and the corresponding spot market, where the price of a specific cryptocurrency is slightly different.
      • Criptan then sets up a delta-neutral trade, simultaneously buying the cryptocurrency in the spot market and selling a derivative contract (such as a futures contract) on the same cryptocurrency to hedge the position.
      • This strategy allows Criptan to capitalize on the price difference without taking directional risks, as the long and short positions offset each other.
      • Criptan benefits from the arbitrage profit, which is the difference between the price at which the crypto is bought today and sold in the future (or the other way around), minus any associated fees or costs.
      • If Criptan, for some reason, decides to exit the strategy, it ensures that all positions are closed in an efficient manner, returning the assets to customers or deploying them into another strategy.

All Criptan investments are structured to avoid directional exposure to any specific asset, maintaining parity between the denominations of assets and liabilities. This design ensures that the investments remain resilient to liquidity crises by preventing duration mismatches between assets and liabilities. Furthermore, Criptan reduces counterparty risk through a rigorous due diligence and risk scoring process, combined with a strategy of healthy diversification, which helps safeguard capital and enhance stability.

At Criptan, we work tirelessly to provide tools that empower our users, from buying and holding cryptocurrency to earning passive income with Criptan Earn. Our mission is to redefine financial empowerment for a modern world.

Over the years, we’ve thrived through both market booms and downturns, staying true to our vision and navigating industry turbulence—including the collapse of major players like FTX/Alameda, UST/Luna, and others—through robust risk management and an unwavering commitment to transparency.

Today, Criptan offers an expanded portfolio of services that enable users to grow their assets securely and efficiently, while enjoying seamless transactions between fiat and cryptocurrencies. Guided by our principles of trust, innovation, and excellence, we are paving the way for financial freedom in a decentralized world.

Criptan is embracing an era of growth and refinement, let us guide you toward a brighter financial future.