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 CoinPayments
CoinPayments provides hosted payment and wallet tools. Wholly Crypto keeps the merchant checkout, wallet operation and payment records on your own server.
Who controls the keys?
Hosted wallet custody is not control of the keys.
CoinPayments’ agreement describes custodial account assets and provider-managed wallets, including pooling. You can request a withdrawal subject to service availability and account terms. That is not independent signing control of the provider’s wallet. [4]
Forwarding to your own address does not give you keys to the provider’s holding wallet. This describes the hosted gateway/custodial wallet, not the separate DepiPay offering.
| What matters | Wholly Crypto | CoinPayments |
|---|---|---|
| Hosting | Your Linux VPS. No Docker required. | Hosted gateway, merchant dashboard and wallet services. [3] |
| Payment methods | 30 networks, Bitcoin Lightning through LND/NWC and verified tokens. Add supported custom EVM and Solana tokens. | Multi-currency crypto payments with configurable settlement modes. [2] |
| Software fee | Default 1% of the original invoice fiat value, charged from separate prepaid credit. | Current fee page: coins from 3%, tokens 3%. Network and risk-related charges may apply. [1] |
| Receiving funds | Direct to your wallets. Optionally send to Kraken, Binance or Coinbase and convert there. No bank payouts. | Gateway options include wallet balance, individual forwarding or batched settlement. [2] |
| Setup & operation | Licensed binary software. External HTTPS/WSS nodes, projects, stores and wallet tools in one console. | Hosted checkout and account-based wallet/payment tools. [3] |
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 CoinPayments fits
Choose CoinPayments if its hosted checkout and wallet settlement modes suit your store and you prefer not to operate payment infrastructure.
When Wholly Crypto fits
Choose Wholly Crypto if you want payments into merchant-controlled addresses, your own VPS and a default 1% prepaid processing model.
Explore the features →Before you choose
This comparison covers the CoinPayments gateway. CoinPayments also points to DepiPay as a separate non-custodial solution; do not assume every offering has the same custody model. [1] CoinPayments fees ↗ · [2] Payment and settlement settings ↗ · [3] CoinPayments FAQ ↗ · [4] CoinPayments user agreement ↗
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.