In the world of financial technology, the rise of cryptocurrency presents both immense opportunities and complex challenges. Traditional banking systems often fall short in delivering cost-effective, efficient solutions—particularly for cross-border transactions, where high fees and lengthy processing times remain problematic. Coinsub, a forward-thinking crypto payment platform, is emerging as a beacon of innovation, offering a seamless alternative to traditional financial systems and redefining how individuals and businesses manage digital currency transactions.

As cryptocurrency adoption grows globally, Africa is becoming a key player in this digital revolution. In fact, Nigeria ranks as the third-largest cryptocurrency user base in the world, with over 13 million crypto users—representing 6.3% of the population. Across the continent, the use of digital currencies is skyrocketing, driven by economic instability, high inflation, and distrust in traditional financial systems. In 2021, Africa experienced a staggering 1,200% increase in cryptocurrency usage, making it one of the fastest-growing regions in the crypto space. With 33.4% of Nigerians aged 18 to 60 already using or owning cryptocurrency, the continent is poised to embrace platforms like Coinsub that make digital payments more accessible.

Coinsub aims to capitalize on this growth, offering a solution that simplifies the complexities of crypto transactions—whether it’s managing recurring payments like subscriptions or managing payroll, and invoices. After personally using Coinsub, I can confidently say that it is poised to revolutionize how we interact with digital currencies, making crypto payments as seamless as traditional methods, if not easier.
My journey with Coinsub began after a recommendation from Kenneth Lo, and it was a welcome development, particularly for someone like me who comes from Nigeria, a country where cryptocurrency usage is surging. Traditional banking systems were simply too slow and costly, especially when dealing with cross-border payments. After testing several crypto platforms, many of which focused primarily on off-ramping crypto and P2P services, I was curious to see how Coinsub could simplify such a complex process. What I discovered was a platform that not only makes crypto payments seamless but also has the potential to drive real financial inclusion—particularly in regions like Africa, where the traditional banking infrastructure struggles to meet the population's needs.
As Kenneth Lo explained, “Coinsub isn't here to replace traditional payment methods but to offer a viable alternative—one where people can earn and spend digital currency just as easily as traditional currencies.” For a nation like Nigeria, where digital assets are increasingly embraced by a young, tech-savvy population, Coinsub is a game-changer. In a country where trust in the government and traditional financial institutions is waning, the emergence of Coinsub signals the dawn of a new era in financial empowerment.
Coinsub's interface and functionality impressed me from the start. It quickly became apparent that Coinsub is more than just a payment tool; it's a robust platform designed to integrate seamlessly into various financial operations. Whether you’re an individual managing subscriptions or a business handling payroll, Coinsub is engineered to make these processes as smooth and intuitive as possible—addressing the very real need for cost-efficient, secure, and borderless payments in the digital age.

How Does Coinsub Work?
Coinsub is a non-custodial, permissionless crypto payment solution designed to cater to both individuals and businesses. The platform’s core mission is to eliminate intermediaries like banks and card processors, thereby reducing transaction costs and enabling faster, frictionless payments.

Coinsub offers the simplest way to send, manage, and accept crypto transactions. Whether you're an individual or a business handling invoices, payroll, subscriptions, or payments, Coinsub makes the entire process painless. The platform allows users to connect with over 70 different wallets, set up their products, and manage transactions in seconds. The streamlined interface ensures that managing payments or tracking accounts is always just a few clicks away. For customer checkouts, the process is equally simple — all they need to do is connect their wallet, and Coinsub handles the rest.
Jasper Fu, the CEO and co-founder of Coinsub, shared that the platform’s mission is to create a financial system free of intermediaries, which reduces inefficiencies and empowers businesses. “By eliminating middlemen like banks and card processors, Coinsub lowers transaction costs and enables faster, frictionless payments,” he explained on a podcast. This vision is at the core of Coinsub’s approach, and it’s what makes the platform so powerful.
From the moment I started using Coinsub, I noticed how quick and easy it was to set everything up. With just a few clicks, I could connect multiple wallets, set up payroll for my employees, and manage recurring payments with no technical hurdles. The user experience (UX) is incredibly intuitive, ensuring that even users with limited experience in crypto can navigate the platform with ease.

Coinsub delivers global access, meaning you can transact with anyone, anywhere, in seconds. And while the platform is fast and easy to use, it doesn’t compromise on security. Coinsub prioritizes top-notch security and full transparency in all transactions, allowing users to enjoy the freedom of blockchain technology with peace of mind.
Key Features of Coinsub
1. Cost-Effectiveness
For many startups and small businesses, especially in Africa, saving on transaction fees is crucial. With platforms like PayPal and Stripe charging 4.5% to 5% per transaction, Coinsub’s pricing structure is a breath of fresh air. Coinsub charges just 1.5% per transaction plus $0.10 on most networks, making it a far more cost-effective solution.

This competitive pricing is especially important for businesses that rely on recurring payments. For instance, a company with recurring subscriptions will see significant savings over time, allowing them to reinvest that money back into their business. Coinsub’s low fees, combined with its speed and reliability, make it an essential tool for any company looking to streamline their payment systems.
2. Ease of Use
One of the standout features of Coinsub is its user-friendly interface. Whether you’re setting up payroll, managing recurring payments, or handling one-time transactions, Coinsub ensures that the process is effortless. The platform’s design caters to both novice and experienced users, allowing for easy navigation and transaction management.

3. Real-Time Monitoring
Coinsub provides real-time tracking of payments, which is invaluable for businesses and individuals alike. The transparency offered by Coinsub ensures that users can monitor their transactions as they occur, offering peace of mind and simplifying financial management.

4. Global Reach
Coinsub’s global accessibility is a game-changer. It enables users to transact with anyone, anywhere, within seconds. This feature is particularly beneficial for international businesses and freelancers who need a reliable, fast, and cost-effective payment solution.
5. Security and Transparency
Security is a top priority for Coinsub. The platform employs state-of-the-art security measures to protect user data and transactions. Additionally, Coinsub’s emphasis on transparency ensures that all transactions are fully traceable, aligning with the principles of blockchain technology.
Diverse Applications
Coinsub’s versatility extends across various use cases, making it a valuable tool for different types of transactions:
SaaS and Subscription-Based Businesses: For SaaS companies and subscription-based services, Coinsub offers a seamless way to manage recurring payments. The platform’s low fees and efficient processing ensure that businesses can handle subscriptions smoothly while minimizing transaction costs.Ticket Sales: Coinsub is also ideal for event organizers. Whether dealing with one-time exhibitions or recurring events, the platform provides a reliable and secure payment solution, allowing customers to pay with cryptocurrency and ensuring a smooth ticketing process.Payroll: Managing payroll can be complex, but Coinsub simplifies it by requiring only an initial signature for recurring payments. This streamlining reduces administrative overhead and ensures timely, secure employee payments.Charities and Donations: Coinsub enhances the efficiency of charitable donations by minimizing transaction fees and providing instantaneous settlement. This ensures that more of the funds go directly to the intended cause, maximizing the impact of each donation.Remittances: Sending money across borders is often fraught with delays and high fees. Coinsub’s low-cost, rapid settlement system provides an effective alternative, allowing users to send funds home quickly and affordably.Installment Payments: Coinsub facilitates installment payments for high-ticket items, breaking down large expenses into manageable crypto payments. This approach makes premium products more accessible and can drive growth for businesses.
Bringing a Revolution To Recurring Payments
Coinsub is built to handle recurring payments in crypto, which is a game-changer for global subscription-based services. While platforms like Netflix and Spotify haven’t yet adopted Coinsub, the potential impact is enormous. Imagine paying for your monthly subscriptions seamlessly in crypto, without dealing with high fees, slow transaction times, or the headaches of currency conversion.
Coinsub supports stablecoins like USDC and USDT on multiple networks, including Polygon and Ethereum. Jasper mentioned that Coinsub’s focus on stablecoins simplifies both adoption and compliance, as businesses don’t have to worry about crypto’s notorious price volatility. Instead, they can focus on providing value to their customers, knowing that payments will be stable and secure. The platform’s cross-chain capabilities ensure smooth transactions across different blockchain networks, setting the stage for a future where recurring payments in crypto become the norm.
When I was first introduced to Coinsub, I could immediately see its potential in managing payroll. After trying it out for salary payments, I was amazed at how smooth the process was. Setting up the system took just minutes, and my employee received their crypto salaries quickly and securely. There were no delays or exorbitant fees, which is often the case with traditional cross-border bank transfers.
Using Coinsub for payroll has been a game-changer. The real-time tracking allowed me to monitor payment as they were made, providing transparency and peace of mind. This seamless integration into my business workflow saved both time and money, making Coinsub the ideal solution for entrepreneurs and business owners looking to streamline payroll and recurring payments.

Coinsub is not just a platform — it’s a financial ecosystem designed to empower both users and businesses. According to Kenneth Lo, Coinsub was crafted with a vision of eliminating middlemen and creating a more direct, transparent financial system. “We wanted to give both users and platforms more control over their transactions,” Kenneth said.
For entrepreneurs and startups in Africa, Coinsub offers a lifeline by providing access to affordable, reliable payment solutions. The team’s background in traditional finance helped them build a product that meets the real-world needs of people in both developed and developing markets. Coinsub’s real-time transaction monitoring ensures transparency, allowing businesses to keep track of their finances without unnecessary delays.
Building a Global Financial Network
Coinsub’s impact goes far beyond Africa. With its cross-chain functionality and upcoming Solana support, Coinsub is laying the foundation for a truly global financial network. The ability to handle payments across different blockchains, without requiring businesses to build bespoke infrastructure, is a game-changer for companies of all sizes.
Coinsub is also part of the Circle Alliance Program, a community of partners working to promote the use of $USDT and other stablecoins in everyday commerce. This collaboration will be crucial in onboarding the next billion users into Web3, making cryptocurrency a viable alternative to traditional banking systems. Coinsub’s support for PayPal’s stablecoin PYUSD further solidifies its position as a leader in global payments, bridging the gap between traditional finance and the decentralized world.
While Coinsub is poised to have a global impact, its potential for promoting financial inclusion in regions like Africa is particularly exciting. Cross-border payments in Africa are often slow, expensive, and inaccessible for many people. Coinsub changes that by offering a low-cost, fast, and secure solution for managing payments in cryptocurrency.
For freelancers and small businesses in Africa, Coinsub’s low fees and fast transaction times make it an ideal solution for receiving international payments. Instead of dealing with high bank fees and long processing times, individuals can receive payments in stablecoins like USDT and $USDC USDC directly into their wallets. This is a significant shift for those who face financial exclusion due to the inefficiencies of traditional banking systems.
For example, a freelancer in Lagos, Nigeria, can use Coinsub to pay for services or receive payments from international clients in stablecoins. No need for currency conversion, no hefty fees, and no long waits. This kind of financial freedom allows millions of Africans to engage with the global economy in ways that were previously unimaginable.
Seamless Integration and Complete Control
One of the standout features of Coinsub is how easy it is to integrate with existing business tools. Whether you’re adding the Coinsub widget to your website or using their free API to manage transactions, the platform is designed to be as simple as possible for merchants to deploy. I personally found the process incredibly smooth and fast — you can be up and running in minutes.

Coinsub’s platform also offers complete control over both one-time and recurring transactions. The user-friendly dashboard allows businesses to track payments, manage customer subscriptions, and view transaction histories in real-time. The backend handles all the complexities, so users don’t have to worry about things like token swaps or network fees.
Coinsub is not just a tool for businesses — it’s shaping the future of global finance. The platform’s cross-chain functionality means that transactions can take place across multiple blockchains, enabling seamless payments across different ecosystems. Coinsub’s partnerships, like those with Hashlock for security auditing and Cube3 AI for fraud prevention, further solidify its position as a leader in the crypto space.
Earning with Coinsub: The Referral Program
Coinsub’s referral program is another way the platform encourages growth. By referring friends and colleagues, you can earn:
25% of the first person’s referral.10% from the second person’s referral, with potential earnings of up to $50,000.
This program is about more than just growing Coinsub’s user base — it’s about rewarding the community for actively using and promoting the product. I’ve already shared my referral link with colleagues, and it’s a no-brainer. You can even add your referral link to your website or social media to start earning today.
Coinsub is the Future of Crypto Commerce
From simplifying recurring payments to enabling financial inclusion in regions like Africa, Coinsub is leading the charge in making cryptocurrency accessible to everyone. The platform’s low fees, seamless integration, and focus on security make it an essential tool for businesses looking to embrace the future of finance. Whether you’re handling payroll, subscriptions, or cross-border payments, Coinsub provides a simple, secure, and efficient way to manage crypto transactions.
Coinsub is set to revolutionize global finance by removing intermediaries and allowing for peer-to-peer transactions in a way that is both user-friendly and cost-efficient. If you’re ready to experience the future of crypto payments, I highly recommend giving Coinsub a try.
My experience with Coinsub has been nothing short of impressive. Whether it’s the seamless UX, the real-time monitoring, or the cost-effective transactions, Coinsub is transforming the way we manage payments, not just for businesses but for the very fabric of global finance.
If you’re ready to experience the future of finance, now is the time to try Coinsub. And don’t forget — with the referral program, you can earn while recommending a product that’s already changing lives.