Wholly Crypto
Your on-chain wallets. Your keys.
Customer payments arrive in your merchant-controlled wallets. You can recover them with compatible wallet software, without asking a payment provider to release the funds.
SELF-HOSTED OR HOSTED?
Wholly Crypto vs CoinGate
CoinGate handles payment processing and offers fiat settlement. Wholly Crypto runs on your server and receives crypto into wallets you control.
Who controls the keys?
Not your keys while CoinGate holds the funds.
CoinGate manages the keys and transaction authorization for its custodial wallets. You can request withdrawals through your account, but cannot independently sign from those wallets. Withdrawals pass through the provider’s controls. [3]
You retain ownership of your balance. That is different from controlling the receiving wallet’s keys. After payout to your self-custody wallet, you control that destination.
| What matters | Wholly Crypto | CoinGate |
|---|---|---|
| Hosting | Your Linux VPS. No Docker required. | Hosted payment service; no payment-server installation to manage. [1] |
| Payment methods | 30 networks, Bitcoin Lightning through LND/NWC and verified tokens. Add supported custom EVM and Solana tokens. | Supported cryptocurrencies, with crypto and fiat settlement choices. [1] |
| Software fee | Default 1% of the original invoice fiat value, charged from separate prepaid credit. | Standard processing: 1% per transaction. Enterprise terms and other service fees can differ. [1] |
| Receiving funds | Direct to your wallets. Optionally send to Kraken, Binance or Coinbase and convert there. No bank payouts. | CoinGate processes payments and manages settlement under its commercial policy. [2] |
| Setup & operation | Licensed binary software. External HTTPS/WSS nodes, projects, stores and wallet tools in one console. | Merchant tools and integrations, with managed conversion and payouts. [1] |
All options can involve network fees. Self-hosting also needs a server, secure backups and maintenance. Asset counts are not directly comparable: a token is not a separate network.
Bitcoin, with a Lightning option.
Wholly Crypto accepts Lightning through your external LND node or a compatible Nostr Wallet Connect wallet. Enable it per store alongside on-chain Bitcoin. Customers scan a Lightning invoice; settlement does not wait for block confirmations.
Choose your custody model: your own node, managed self-custody or a custodial provider. NWC alone does not tell you who holds the keys. Receiving capacity and separate channel backups matter; sending and refunds stay in the connected wallet. Read the Lightning guide →
Receive crypto. Choose what to keep.
Wholly Crypto can send supported coins and tokens to your Kraken, Binance or Coinbase account, manually or through sweep rules. Choose a direct spot market to convert a credited deposit to fiat or another crypto.
This is optional exchange conversion, not bank settlement. Exchange custody, verification, regional limits, trading fees and network fees apply. Your customer payment still arrives in your wallet first. Exchange features →
When CoinGate fits
Choose CoinGate if you want managed payment infrastructure and fiat conversion or bank settlement rather than maintaining a VPS.
When Wholly Crypto fits
Choose Wholly Crypto if you want your own checkout host, direct crypto receipt and control over your server, wallets and accepted assets.
Explore the features →Before you choose
The headline fee is not the whole cost. Compare conversion, payouts and settlement terms at CoinGate with server and network costs when self-hosting. [1] CoinGate pricing ↗ · [2] CoinGate commercial policy ↗ · [3] CoinGate custody policy ↗
Wholly Crypto needs prepaid credit for automation. If it runs out, customer payments and checkout creation continue, but IPN, webhooks, Sweep, new exchange conversions, new projects/stores and installing updates pause. How credits work →
See if it fits your store.
Try the checkout without sending funds, or look through the setup guide.