What is Mercuryo.io, which appears when purchasing Bitcoin (cryptocurrency) from a Tangem wallet? How to use it from Japan and points to note!

　Mercuryo.io is a fintech company that provides cryptocurrency payment solutions and develops a service that allows users to easily exchange fiat and cryptocurrencies. Below, we will explain in detail the details of the service, availability from Japan, how to use it, precautions, and specific operating procedures based on the latest information as of May 26, 2025, so that even beginners can understand.

Overview of Mercuryo.io

　Mercuryo.io is a London-based company founded in 2018 that provides a global payments ecosystem that enables seamless transactions between crypto and fiat currencies. Key services include:

・On-Ramp: Users can buy cryptocurrencies like Bitcoin (BTC), Ethereum (ETH), and Tether (USDT) using bank cards and other payment methods.

・Off-Ramp: Sell your cryptocurrency holdings, convert them to fiat and withdraw them to your Visa or Mastercard.

・Virtual co-branded cards: Users can be issued virtual cards to spend cryptocurrency and use them for everyday payments.

・Supported Cryptocurrencies: Mercuryo supports over 30 cryptocurrencies, the major ones include BTC, ETH, USDT, BNB, SOL, AVAX, etc. More information can be found in the Mercuryo Help Center.

・Supported fiat currencies: Over 25 fiat currencies are supported, including EUR, USD, GBP, CAD, CHF, CZK, DKK, AUD, HKD, etc. Although there is no direct support for JPY (Japanese Yen), it is possible to trade in other currencies such as Euros.

　Mercuryo is licensed in Canada and Croatia and operates in over 135 countries, with partners including Binance, KuCoin, and Trust Wallet, and works with over 200 companies.

Availability from Japan

　Mercuryo is available from Japan, and concrete evidence is that the off-ramp solution is available in Japan. For example, the Mercuryo Help Center lists Japan as a supported country. Also, the IXFI page shows that you can use Mercuryo to buy cryptocurrency with Euros (EUR) in Japan. Additionally, Pascal Kurzawa’s LinkedIn post states “Mercuryo goes Japan,” hinting at expansion into the Japanese market.

　However, it is not clear whether trading using JPY directly in Japan is possible. If JPY is not included in the list of supported fiat currencies, you will need to trade using other currencies such as Euro or USD. Given Japan’s cryptocurrency regulations, it is unclear whether Mercuryo is registered with the Japanese Financial Services Agency (FSA), and it is important to check for regulatory compliance when using it.

Important points to note when using this service

　Please keep the following in mind when using Mercuryo:

・Banking policies: Check whether your bank allows cryptocurrency transactions. Some banks may have restrictions on cryptocurrency-related transactions.

・Fees: A fee of up to 3.95% is charged per transaction, i.e. both when buying and selling, with a minimum fee of 4EUR/4USD added when selling (see Mercuryo Help Center). Fees are dynamic and may vary depending on your location and payment method.

・Security: Only use the official Mercuryo website (https://mercuryo.io/) and app, and beware of phishing scams. There have been reports of scams in past reviews, so be careful.

・Verify your transactions: Cryptocurrency transactions are irreversible, so please double-check your transaction details and make sure you don’t enter the wrong address or amount.

・Regulatory Compliance: In Japan, cryptocurrency exchanges must register with the FSA, but it is unclear whether Mercuryo is registered. Use at your own risk.

Specific operating instructions

　Below are the specific steps to buy and sell cryptocurrency using Mercuryo. We will explain it step by step so that even beginners can understand.

Account Creation and KYC Verification

1.Visit the website or app: Visit the official Mercuryo website or download the Mercuryo app from the App Store or Google Play.

2.Register: Enter the required details (email address, password, etc.) to create an account.

3.KYC Verification: Upload proof of identity (such as a passport or driver’s license) and address proof (such as a utility bill) to complete the KYC verification, which may take anywhere from a few minutes to a few days.

Linking your payment method

1.Log in to your dashboard: Log in to Mercuryo and open your profile settings.

2.Add a payment method: In the “Payment methods” section, add your bank card, such as Visa or Mastercard. Check if Apple Pay or Google Pay is available if needed.

3.Enter your card details: Enter your card number, expiration date, security code, etc. to complete the connection.

Buying Cryptocurrency

1.Go to the purchase page: Select the “Buy Crypto” or “Purchase” option from your dashboard.

2.Choose your cryptocurrency: Select the cryptocurrency you want to purchase (e.g. BTC, ETH).

3.Enter amount: Enter the amount of fiat currency you want to buy (e.g. 100 EUR). If JPY is not supported, choose Euro or USD instead.

4.Choose your payment method: Select your linked bank card.

5.Review transaction details: Confirm the amount of cryptocurrency you want to buy, the fee (up to 3.95%), and the total amount.

6.Confirm the transaction: Click the “Buy” or “Purchase” button to confirm the transaction.

7.Complete payment: Enter your card details and complete the payment. Once the transaction is successful, the cryptocurrency will be reflected in your Mercuryo wallet.

Selling Cryptocurrency

1.Go to the sell page: Select the “Sell Crypto” or “Sell” option from your dashboard.

2.Choose your cryptocurrency: Select the cryptocurrency you want to sell and enter the amount you want to sell.

3.Choose a withdrawal method: Choose Visa or Mastercard as your withdrawal method. These cards are supported in Japan.

4.Confirm the amount: Confirm the amount of fiat currency you will receive after the sale and the commission (maximum 3.95%, minimum 4EUR/4USD).

5.Finalize the transaction: Review the transaction details and click the “Sell” button.

6.Complete the transaction: Once the transaction is successful, the funds will be credited to your specified bank card.

Support and Further Information

　The Mercuryo Help Center (https://help.mercuryo.io/hc/en-gb) provides detailed information on supported payment methods, transaction limits, and frequently asked questions, and you can also contact the support team (support@mercuryo.io) if you run into any issues.

Table: Main features of Mercuryo