Pay with Exchange: Close the Biggest Gap in Onchain Checkout

Most users still hold their crypto on exchanges. Until now, payments weren’t built for that.

At Reown, we’ve spent years building smoother ways to pay onchain. Wallet-native checkouts. Embedded onramps. AppKit has powered seamless experiences for some of the most user-centric teams in crypto.

But one major UX gap kept showing up in the data:

Most users still keep their funds on centralized exchanges. And when they try to pay from those accounts, most checkout flows break.

That’s where conversion is lost.

Today, we’re fixing that.

The Problem: Exchange Users Can’t Complete Payments

Reown’s latest report, The State of Onchain UX, revealed something that builders have long suspected:

  • 72% of crypto users store funds on exchanges like Binance or Coinbase
  • But only 12% said they enjoy making crypto payments
  • 64% would pay more often if they didn’t have to move funds first
  • Nearly half have abandoned a payment because the process was too complex

The demand is real. But the infrastructure hasn’t caught up. Exchange-based users face too much friction at the final step. Moving funds to a self-custodied wallet just to complete a payment makes checkout slower, clunkier, and harder to scale.

The Fix: Let Users Pay Without Leaving the Flow

Introducing Pay with Exchange, a new feature in AppKit that lets users pay directly from their Binance or Coinbase accounts, with no app-switching and no credential sharing.

Instead of forcing users to withdraw, switch tabs, or wait for fund transfers, Pay with Exchange embeds the exchange payment flow directly into your app. That means fewer drop-offs and smoother conversions, all while keeping the experience secure and native.

Why It Works: Built for the Realities of Crypto UX

Pay with Exchange is designed to match the way users actually hold and use crypto, not how we wish they would. Here’s what makes it different:

  • No new integrations required: Works with your existing PSP setup
  • Exchange-native UX: Users never leave the flow
  • Credential-free: Reown never handles login info
  • Fewer clicks: Less friction, higher conversion
  • Enterprise-ready: Available now for teams building with AppKit

If you’re building for crypto-native audiences or just want to reach the majority of users who keep funds on exchanges, this unlocks a market segment that’s long been overlooked.

Who It’s For

Pay with Exchange is purpose-built for:

  • PSPs (Payment Service Providers) looking to boost completion rates
  • Merchant platforms offering onchain checkout
  • Gateways onboarding new users to crypto payments

It’s not just a feature. It’s an unlock for the entire onchain economy.

Get Started

Pay with Exchange is live for enterprise teams building with AppKit. If you’re rethinking how users pay onchain, we’d love to hear what you’re building.

Explore AppKit on the Reown Dashboard

Reach out to our team

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