Hitbtc vs Pointpay: Fees, Security, Features & Which to Choose (2025)

Trying to choose between Hitbtc and Pointpay This side-by-side comparison reveals total cost (fees + spreads), security & licenses, coins/derivatives, deposits/withdrawals, and app quality. In 2 minutes you’ll see who wins for beginners, active traders, and long-term holders. Clear pros/cons, a quick verdict, and safe links to get started.

Last updated on August 16, 2025

Hitbtc

Pointpay

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Available Countries

United States

Europe

Yes

Latin America

Yes

India

Yes

China

Yes

Canada

United Kingdom

United States

Yes

Europe

Yes

Latin America

Yes

India

China

Canada

Yes

United Kingdom

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Hitbtc is ideal if:

Sophisticated API-driven tooling Perfect for algorithmic and pro traders leveraging fast REST, WebSocket, or FIX services and advanced order types like scaled or trailing entries
Extensive demo zone and broad pair availability Great for learning or testing strategies without risk, while enjoying access to hundreds of spot, margin, and futures pairs
Robust security and transparency systems Ideal if you value strong safeguards like cold storage, 2FA, session monitoring, and audit-friendly reporting

Pointpay is ideal if:

All-in-one crypto platform Seamlessly combines exchange, wallet, payment, and banking tools in one accessible ecosystem—not just trading.
Tailored for all experience levels Offers Classic and Advanced interfaces for seasoned users, plus Quick Exchange for newcomers for fast, intuitive trades.
Engaging community ecosystem Includes staking, Vault savings, educational Learn & Earn, a Launchpad, and competitions—great for active and curious users.

Hitbtc isn’t ideal if:

Frustration-prone customer support Resolving urgent account or withdrawal issues may take days or longer, leaving critical calls pending
Opaque corporate governance Unclear headquarters, anonymous leadership, and regulation gaps can hinder your confidence and legal recourse
Inactivity-fee risks & asset access issues Long idle periods may lead to unexpected charges or frozen funds without clear notifications

Pointpay isn’t ideal if:

Limited advanced trading Some users find it lacks powerful tools like leveraged futures or deep charting options for professional-grade strategies.
Occasional tech hiccups Reports of login issues, app performance quirks, and delayed customer responses suggest potential reliability concerns in mobile use.
Uncertain regulatory clarity Conflicting information surrounds its licensing and regulatory compliance, leading to varied user trust and coverage depending on region.

Fees & Total Costs

Spot Maker/Take

HitBTC applies a tiered fee system where initial maker/taker rates decrease with higher 30-day trading volumes, and the highest tiers may even reward maker activity—while holding the native HIT token can further reduce spot and margin trading costs.

PointPay charges a flat maker-taker rate around 0.05%, offering up to 35% fee discounts for users holding increasing amounts of PXP tokens, with no tiered volume brackets beyond the PXP-based loyalty levels.

Futures/Derivatives

Futures (including perpetuals) follow fixed maker/taker pricing that can drop with volume tiers, and while there’s a funding or liquidation cost element applied per position, no dynamic funding fees like funding rate cycles are noted.

PointPay currently does not offer any futures or derivative trading, so there are no maker/taker or funding fees applicable.

Average Spreads on Liquid Pairs

Spreads on major liquid pairs remain competitive, typically tight due to deep order books and active liquidity, though exact spread sizes aren’t publicly fixed and fluctuate with market conditions.

While precise spread data isn’t published, the exchange is noted for offering competitive pricing that closely aligns with market prices on popular pairs like BTC/USDT and ETH/USDT.

Fiat Deposits & Withdrawals

HitBTC doesn’t directly support fiat deposits or withdrawals through bank or wire; instead, you must use third-party providers (like credit/debit card services) to buy crypto, which incurs third-party fees and varies in speed depending on provider.

Fiat deposits are facilitated via Mercuryo or MoonPay, and withdrawals are supported as well; deposits may include a small markup or cashback promotions but are generally straightforward, with processing times depending on the provider—often several hours to a couple of days.

On-chain Withdrawals

Withdrawal costs are adjusted dynamically based on each network’s conditions—this means fees adapt in real time depending on blockchain traffic rather than being a fixed flat fee.

Withdrawals incur network (miner) fees, varying by cryptocurrency and network conditions (e.g., BTC, ETH, TRX), rather than fixed platform fees, although PXP holders may enjoy reduced rates.

Hidden Costs

While no explicit fees for inactivity, KYC acceleration, or base currency conversion are listed, indirect costs may arise through third-party fiat services, prolonged KYC delays, or transaction spread during conversions.

currency conversion, inactivity, expedited KYC, etc.

Real-World Cost Example: “€500 BTC

If you purchase €500 worth of BTC via a credit card provider, you’d incur that provider’s fee (often a few percent), face the execution spread on BTC, and then pay a dynamic network withdrawal cost when moving BTC off-platform—creating a bundled cost beyond a simple fee.

If you buy €500 worth of BTC, your total cost would derive from the spread between buy/sell prices, a trading fee (e.g., ~0.05% discounted if holding PXP), and a subsequent withdrawal fee based on chain congestion and asset network—without quoting specific numbers to keep it evergreen.

Crypto Offering & Trading Features

Number of Coins & Pairs

HitBTC hosts between roughly 300 to over 500 cryptocurrencies and hundreds—likely between 500 to 2,300—trading pairs, while the top 20 by volume typically includes heavy-hitters like BTC/USDT, ETH/USDT, ADA/USDT, SOL/USDT and AAVE/USDT.

PointPay supports well over 140–200 cryptocurrencies with around 179–224 trading pairs available; top-20 volume pairs include BTC/USDT, ETH/USDT, XRP/USDC, SOL/USDT, USDC/USDT and others such as DOGE, ADA, LINK, AVAX, BNB.

Product Range

HitBTC supports spot, margin, and perpetual futures trading, along with staking functionality; it does not offer options, crypto ETFs, copy trading, or automatic DCA tools.

At present, PointPay offers spot trading, staking (Vaults and flexible/locked terms), NFT and Launchpad features, savings/earn programs, and a multi-currency wallet; however, there’s no margin, perpetuals, options, ETFs, loans, copy-trading, grid bots, or automated DCA at this stage.

Liquidity

The exchange processes substantial 24-hour trading volume—often several hundred million dollars—and offers solid book depth for liquid pairs like BTC/USDT and ETH/USDT, fostering efficient execution in large-size orders.

Estimated 24-hour trading volume ranges from around $138 million to over $206 million; order-book depth appears substantial for primary pairs like BTC/USDT and ETH/USDT, supporting solid liquidity for mainstream trading.

Tools

HitBTC provides advanced trading tools, including limit, stop, and OCO order types, customizable price alerts, TradingView-integrated charting, and robust API access via REST, WebSocket, and FIX.

PointPay supports limit, market, stop-limit, and OCO orders; it includes advanced TradingView charts with multiple indicators and timeframes, has alert features, and provides API and WebSocket support for algorithmic access.

Geographic Restrictions by Product

Derivatives and some advanced features are unavailable in jurisdictions such as the United States, United Kingdom, Canada, and various sanctioned regions, even while spot trading remains globally accessible in most locales.

Derivatives and leverage aren’t available yet, and certain products are restricted in regions like the U.S. and other sanctioned countries, meaning advanced trading tools may not be accessible depending on your location.

Innovation

The platform does not currently support launchpads or launchpools, and while it offers staking, it appears geared toward flexible-use models rather than fixed-term or locked reward schemes.

The platform provides Launchpad projects, a multi-asset Vault with flexible and locked staking (3, 6, and 12 month terms), and regular staking promotions, all aimed at enhancing user participation and passive income opportunities.

Security, Regulation & Custody

Operating Entity & Jurisdiction

Htechno Business LTD (and operators such as Ullus Corporations/Hit Solutions Limited) runs the platform, having launched around 2013 with ties to both Saint Vincent & the Grenadines and Hong Kong, plus branch operations in Chile.

PointPay is operated by a Lithuania-based company founded in 2018, with its headquarters in Tallinn, Estonia, situating it within the European regulatory environment and offering it EU operational grounding.

Licenses/Registration

The exchange does not hold explicit financial licenses (e.g., VASP or MiCA-based EU registration), and while it conducts KYC and AML compliance, its regulatory standing remains relatively informal and varies by user region.

The platform currently holds a Lithuanian VASP license and is registered in the U.S. as a Money Services Business (Wyoming MSB), while actively pursuing additional licensing in the U.S. and enhanced compliance under recent European crypto frameworks.

Custody

HitBTC retains a high percentage of assets in cold storage (roughly 80–90 %), conducts external wallet-balance proofs, and states it’s never been breached or lost custody of user funds—though full audit reports are not publicly published.

PointPay uses both hot and cold wallets, including air-gapped cold storage, with user-controlled wallet options, although there is no publicized Proof of Reserves or explicit cold-storage percentage disclosure.

Insurance & Protection Funds

There appears to be no formal insurance coverage or dedicated protection fund for user assets, meaning that gamblers with large holdings are not shielded against operational or platform risks.

There is no publicly available information suggesting that PointPay offers dedicated insurance coverage or protection funds for users’ assets.

Incident History

The platform claims zero successful hacks or asset losses since inception; however, users have occasionally reported account freezes or withdrawal delays, though there’s no record of formal penalties or regulatory sanctions.

There have been no major reported hacks, systemic suspensions, or regulatory penalties associated with the platform to date, suggesting a clean operational track record.

Risk Controls

Security tools include mandatory two-factor authentication (via app or YubiKey), withdrawal whitelists, phishing safeguards, session kill-switches, and granular API access, plus identity recovery protocols for lost 2FA.

The platform enforces standard security layers including multi-factor authentication, encrypted transaction passwords, and tiered KYC levels; however, features like API-specific permissions, sub-accounts, whitelists, or anti-phishing tools are not prominently highlighted.

Transparency

HitBTC supports transparency through public wallet-address disclosures for proof-of-reserves, but does not regularly publish monthly audit reports or uptime SLAs, and further formal documentation remains limited.

While PointPay commits to regulatory alignment and security, it does not currently publish regular audit reports, Proof of Reserves documents, public wallet addresses, or formalized SLAs for uptime or response times.

Deposits, Withdrawals, KYC & Support

Fiat Deposit Methods

HitBTC does not support direct fiat deposits via bank transfer or e-wallets; any fiat funding goes through third-party providers such as card processors, which bring their own limits and variable processing times.

PointPay allows fiat deposits via intermediary services like Mercuryo and MoonPay, and possibly bank transfers, with straightforward minimums (e.g., around €25), though maximums vary by provider; processing times range from instant to a few hours or up to a couple of days depending on the channel.

Supported Fiat Currencies & Conversion

KYC (Verification Levels)

HitBTC offers tiered account statuses—unverified “starter”, “verified”, and “qualified”—each unlocking progressively higher crypto withdrawal and (insider-access to) fiat limits, with basic trading accessible even without KYC.

PointPay’s KYC process is accessible through both app and website in five simple steps, typically completed within 24 hours; higher levels unlock full functionality such as trading, deposits, and withdrawals, while no-KYC users face limited access.

Withdrawals

limits, timing & networks

Withdrawals support common crypto networks (e.g., ERC20, TRC20), with limits like up to 10 BTC per withdrawal, and dynamic network fees; processing times have improved and can average 0.5 to 5 minutes for verified transactions.

Customer Support

Support is primarily via ticket or email (not live chat), with a knowledge base available, and response times can slow during busy periods despite claims of 24/7 availability.

PointPay offers live chat (often backed by bots and staff available 24/7) plus email support, although response times may vary; a knowledge base or FAQ section is available to help users find answers independently.

Languages & Localization

The platform is natively in English, shows prices in USD or EUR, but does not tailor regulatory disclosures or fees for local jurisdictions—geospecific clarity is limited.

The platform supports multiple languages (over 18), displays fees in major currencies like EUR and USD, and has localized options for users—including regulatory adjustments based on region—for smoother experience.

App Quality & Stability

HitBTC’s mobile app is actively maintained and used for trading on the go, though it may lack some features from the web interface; official crash-rate data isn’t published, but periodic updates continue to improve stability and UX.

PointPay’s mobile apps (iOS and Android) receive frequent updates with UI improvements and security enhancements (e.g., biometric login, 2FA fixes), though there are occasional user reports of withdrawal processing issues affecting app stability for some.

Experience, Performance & Ecosystem

UX/UI

The platform balances usability for beginners with depth for pros; while there’s no “Lite/Pro” toggle, the demo mode offers a simplified environment, and the main interface supports both intuitive order entry and advanced API-driven workflows.

PointPay offers distinct trading interfaces—“Quick Exchange” for fast, hassle-free trading, plus Classic and Advanced modes—which helps users smoothly transition from simple to more feature-rich views as they grow comfortable.

Performance

HitBTC generally delivers low-latency order execution, though market surges can spike system load; its real-time system monitor dashboard reveals live queues and statuses of deposits, withdrawals, and trading availability.

A recent technological upgrade dramatically sped up load times and responsiveness, handling up to a million concurrent users, and significantly improving order execution even during high-volatility periods.

Education

The exchange offers a fully functional demo/simulator with virtual funds to practice strategies across spot, margin, and futures markets, supplemented by support articles and multilingual content; while resources exist, dedicated Spanish-language materials are limited.

PointPay includes a “Learn & Earn” program with interactive lessons and rewards; however, it currently lacks a full demo simulator or dedicated educational content in Spanish.

Community

HitBTC supports community engagement via its blog, Reddit, and Telegram channels, and runs a referral program, though standalone forums or Discord-based discussions appear minimal.

The platform maintains an active presence via Telegram (English channel), regular AMAs, and a referral program that rewards users for inviting newcomers.

Integrations

The platform integrates with TradingView-style charts natively, supports robust external bots through REST, WebSocket, and FIX APIs, and while it doesn’t offer tax tools, traders can export trade reports for accounting tasks.

PointPay integrates TradingView directly for in-platform charting, and provides API access, though there’s no evidence of official tax tools, accounting software partnerships, or third-party trading bot integrations at this time.

Who Each One Is Best For

HitBTC suits algorithmic and experienced traders seeking deep asset coverage and programmatic access, while demo tools lower the entry barrier—but newcomers without comfort in API or report-driven accounting may find it less straightforward.

PointPay serves beginner-to-intermediate traders best—offering intuitive onboarding, guided trading modes, and educational incentives—while more advanced traders relying on professional-grade tooling or automation may find the platform’s current scope limited.