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Česta pitanja

Cijena / Tečaj / Naknada

Kolika je provizija / cijena / tečaj / naknada?

Detalji razmjene su konačni i precizni. Sve je već uračunato u tečaj tako da nema dodatnih troškova. Trenutni tečaj možete saznati u koraku prije pokretanja razmjene.

Naše cijene se generalno kreću oko 1.5-2.5% u odnosu na popularne EUR burze, ali mogu varirati ovisno o uvjetima na tržištu i o valutama koje su predmet pojedine razmjene. Točan tečaj i iznose za specifičnu razmjenu vidjet ćete prije nego ju pokrenete.

Što ako se tečaj promijeni dok čekate uplatu?

Detalji razmjene se ne mijenjaju s vremenom. Razmjena će biti riješena po tečaju po kojem ste ju pokrenuli. Ako je kupnja X HRK za Y BTC, uvijek će ostati X HRK za Y BTC.

Kupnja / Prodaja

Koliki su minimalni i maksimalni iznosi za kupnju ili prodaju?

Minimalni iznos kupoprodaje je 30 kuna. Maksimalni iznos kupoprodaje putem web stranice je 250.000 kuna. Kupoprodaja većih iznosa je moguća - kontaktirajte nas sa željenim detaljima kupoprodaje i odmah ćemo se javiti s ponudom.

Možete li isplatiti ili primiti gotovinu uz sastanak uživo?

Gotovinom kupnju možete izvršiti u svim hrvatskim poslovnicama banaka, pošte i Fine, bez obzira jeste li njihov klijent.

U 55 poslovnica Hrvatske pošte moguće je prodati odabrane kriptovalute za gotovinu. Odgovore na česta pitanja vezana za ovu uslugu možete pronaći ovdje.

Također, u In Kapital mjenjačnicama gotovog novca možete prodati ili kupiti odabrane kriptovalute za gotovinu, trenutno samo u Zagrebu. Lokacije In Kapital poslovnica koje podržavaju razmjenu kriptovaluta pronađite ovdje.

Ne nalazimo se s klijentima uživo.

Kako mogu uplatiti u EUR valuti?

Jednostavno pokrenite kupnju željenog coina uz odabranu metodu plaćanja "SEPA/EU bank transfer (EUR)". Ispunite potrebne podatke te pošaljite EUR na dobivene podatke bankovnog računa. Kada primimo uplatu, poslat ćemo coin.

Bankovne transfere u EUR valuti možemo primati s bankovnih računa koji se nalaze u zemljama članicama SEPA-e, uključujući Hrvatsku. SEPA se sastoji od svih zemalja EU + Island, Lihtenštajn, Norveška, Švicarska, Andora, Monako, San Marino i Vatikan. Ne morate biti građanin SEPA zemlje kako bi otvorili SEPA račun.

Uplatiti možete preko internet ili mobilnog bankarstva. Isto tako, uplate gotovinom su moguće u poslovnicama banaka (zbog uplate gotovinom, mogući su dodatni troškovi i naknade u poslovnici).

Više informacija: Što je SEPA?

Kada ću dobiti coine (uplata u EUR valuti)?

U normalnim uvjetima, šaljemo coin odmah po primitku novca. SEPA EUR transferima je potrebno do 2 radna dana kako bi bili izvršeni, obično 1 dan. Banke ne procesiraju transakcije izvan radnog vremena platnog sustava, npr. noću, vikendima i praznicima. Pri pokretanju naloga kupnje uzmite u obzir vrijeme uplate, vikende te praznike koji bi mogli produljiti vrijeme potrebno kako bi nam novac stigao.

Vaša banka neće zaista izvršiti transakciju ako ju zadate izvan radnog vremena platnog sustava, iako će možda prikazati kako Vam se stanje na računu već umanjilo za poslani iznos.

Kako mogu dobiti isplatu u EUR valuti pri prodaji coina?

Jednostavno pokrenite prodaju željenog coina uz odabranu metodu isplate "SEPA/EU bank transfer (EUR)". Ispunite potrebne podatke te pošaljite coin na dobivenu adresu. Kada primimo coin, poslat ćemo novac.

Bankovne transfere u EUR valuti možemo slati na bankovne račune koji se nalaze u zemljama članicama SEPA-e, uključujući Hrvatsku. SEPA se sastoji od svih zemalja EU + Island, Lihtenštajn, Norveška, Švicarska, Andora, Monako, San Marino i Vatikan. Ne morate biti građanin SEPA zemlje kako bi otvorili SEPA račun.

Više informacija: Što je SEPA?

Primate li uplate u USD ili nekoj drugoj valuti?

Ne, primamo i šaljemo samo HRK i EUR.

Bankovne transfere u EUR valuti možemo primati i slati s i na bankovne račune koji se nalaze u zemljama članicama SEPA-e, uključujući Hrvatsku. SEPA se sastoji od svih zemalja EU + Island, Lihtenštajn, Norveška, Švicarska, Andora, Monako, San Marino i Vatikan. Ne morate biti građanin SEPA zemlje kako bi otvorili SEPA račun.

Primate li uplate s kartica ili Paypala?

Ne, trenutno ne primamo uplate s kartica i Paypala. Također, isplate na Paypal i Payoneer nisu moguće.

Mogu li izvršiti kupnju preko tvrtke?

Da. Normalno pokrenite kupnju i izvršite uplatu prema dobivenim podacima. Kroz dodatnu komunikaciju zatražit ćemo dodatne dokumente kako bismo uspješno završili kupnju i isporučili Vam coine.

Mogu li vam poslati "hitan" SEPA bankovni nalog?

Ne preporučamo slanje hitnih SEPA EUR naloga. Možemo imati poteškoća i zastoja pri primanju takvih naloga. Molimo pošaljite novac standardnim modom plaćanja.

Kako mogu platiti kunama?

Uplate primamo isključivo na bankovni račun firme. S vlastitog bankovnog računa možete platiti npr. mobilnim ili internet bankarstvom. Gotovinom možete platiti u svim poslovnicama banaka, pošte i Fine, bez obzira jeste li njihov klijent.

Kada ću dobiti coine (uplata u HRK valuti)?

U normalnim okolnostima coin šaljemo čim evidentiramo uplatu. Uplate unutar iste banke stižu odmah neovisno o radnom vremenu, vikendu ili blagdanu. Ostale uplate stižu isti dan kroz 2 do 4 sata ako su izvršene prije 15 sati radnim danom, inače idući radni dan prijepodne.

Vaša banka neće procesirati transakciju ako je zadana iza 15 sati, iako Vam aplikacija bankarstva možda prikazuje da je novac već odbijen s računa. Takva transakcija biti će zapravo izvršena tek sljedeći radni dan.

Kako mogu primiti isplatu u kunama?

Isplate izvršavamo na bankovni račun ili u gotovini.

Za gotovinu je odabrane kriptovalute moguće prodati u 55 poslovnica Hrvatske pošte. Odgovore na česta pitanja vezana za ovu uslugu možete pronaći ovdje.

Kada ćete isplatiti kune?

U normalnim okolnostima nalog zadajemo čim primimo coin. Uplata bi na Vašem računu trebala biti vidljiva kroz 2 do 4 sata ako je coin primljen prije 15 sati radnim danom, a inače idući radni dan prijepodne.

Ako kriptovalutu prodajete za gotovinu, isplatu ćete primiti čim primimo coin. Više o prodaji kriptovaluta za gotovinu možete pronaći ovdje.

Mogu li zaustaviti slanje ili promijeniti odredišnu adresu svoje razmjene?

Kontaktirajte nas odgovorom na email dobiven pri pokretanju razmjene, ali paralelno i drugim kanalima, ako je hitno. Situaciju ćemo moći riješiti ako već nismo izvršili slanje. U slučaju da je coin već poslan, transakcija je nepovratna i nažalost nećemo moći pomoći.

Nisam kliknuo "Plaćeno" na vrijeme i kupnja je automatski otkazana, što sad?

Ako još niste uplatili, jednostavno pokrenite novu kupnju kada ste spremni platiti.

Ako ste već uplatili, kontaktirajte nas odgovorom na email dobiven pri automatskom poništenju kupnje. Što nas prije kontaktirate, to je veća vjerojatnost da ćemo moći riješiti kupnju jednako kao da je potvrđena na vrijeme. Ako to ipak nismo u mogućnosti napraviti, ponudit ćemo Vam povrat sredstava ili pokretanje nove kupnje na već uplaćeni iznos.

Prodaja je automatski otkazana istekom vremena, što sad?

Ako još niste poslali coin, jednostavno pokrenite novu prodaju kada ste spremni obaviti slanje.

Ako ste već poslali coin, kontaktirajte nas odgovorom na email dobiven pri automatskom poništenju prodaje. Što nas prije kontaktirate, to je veća vjerojatnost da ćemo moći riješiti prodaju jednako kao da je potvrđena na vrijeme. Ako to ipak nismo u mogućnosti napraviti, ponudit ćemo Vam povrat sredstava ili pokretanje nove prodaje na već poslani iznos.

Molimo da coin transakcije odašiljete s vlastitih novčanika koji će transakciju zaista odmah i poslati, a ne s burzi koje nisu namijenjene za takvo slanje pa često odgađaju isplate i ne šalju točno zadan iznos već ga umanje za naknadu.

Kupio sam coin u vrijednosti X kuna, a poslali ste mi coin u vrijednosti Y kuna, zašto?

Detalji kupnje se ne mijenjaju s vremenom. Poslano Vam je po tečaju po kojem ste originalno odlučili pokrenuti kupnju, a u međuvremenu se vrijednost coina promijenila.

Status moje kupnje je "riješena", a ne vidim vašu transakciju u svom novčaniku, zašto?

Sve coin transakcije su javno vidljive. Otvorite bilo koji blockchain explorer (npr. Blockchain.com/explorer za BTC ili Etherscan.io za ETH) i unesite Vašu adresu u tražilicu. Dobiti ćete informacije o svim transakcijama vezanim za tu adresu, uključujući kad su poslane te koliko potvrda (confirmations) imaju. Ako je naša transakcija tamo vidljiva, ali svejedno ne vidite taj iznos u svom novčaniku, problem je u novčaniku. Kontaktirajte tehničku podršku novčanika kojeg koristite.

Što ako sam poslao nedovoljno ili previše?

Kontaktirajte nas odgovorom na email dobiven pri pokretanju razmjene. Obično možemo prilagoditi detalje razmjene stvarno poslanom iznosu, ili možete doplatiti nedostatak, tj. tražiti povrat viška.

Molimo da coin transakcije odašiljete s vlastitih novčanika koji će precizno poslati zadan iznos, a ne s burzi koje nisu namijenjene za takvo slanje pa često odgađaju isplate i ne šalju točno zadan iznos već ga umanje za naknadu.

Pri plaćanju sam unio pogrešan podatak, što sad?

Kontaktirajte nas odgovorom na email dobiven pri pokretanju razmjene s objašnjenjem situacije. Navedite ime platitelja naloga te priložite dokaz uplate (npr. screenshot bankarstva, PDF izvod, slika uplatnice i sl.)

Poslao sam coin na adresu iz neke bivše transakcije, što sad?

Kontaktirajte nas odgovorom na email dobiven pri pokretanju razmjene s objašnjenjem situacije. Coin vjerojatno nije izgubljen i moći ćemo riješiti prodaju. Molimo da uvijek koristite najnovije podatke s aktualne prodaje.

Mogu li kupovati ili prodavati iz BiH ili Srbije?

Ne. Trenutno poslujemo samo u SEPA području.

Porez

Moram li platiti porez na dohodak od prodaje coina?

Ovo je pitanje za Poreznu upravu. Nismo kvalificirani računovođe niti porezni savjetnici te je naš odgovor samo informativne prirode.

Prema našem shvaćanju tematike Poreznu upravu ne zanima u kojem obliku, tj. valuti je novac došao do Vas, već kako ste ga zaradili te u koju poreznu kategoriju zarade taj primitak spada. Ako ste kriptovalutu primili kao dohodak za obavljen rad ili usluge, Poreznoj upravi ćete vjerojatno morati dokazati koji je stvarni izvor vaših coina koje ste kod nas promijenili u kune (npr. zarada na internetu). Tako ćete platiti porez prema važećim propisima za taj tip dohotka, jednako kao da ste za svoj rad primili EUR ili USD na svoj devizni račun i onda ih pretvorili u kune.

Po pitanju zarade špekulacijom s vrijednosti kriptovaluta, Porezna uprava je 14. srpnja 2017. donijela mišljenje o poreznom tretmanu poreznih dobitaka po osnovi trgovanja kriptovalutama. Trgovanje kriptovalutom smatra se financijskom transakcijom, te se na dohodak ostvaren trgovanjem kriptovalutama plaća porez na dohodak po osnovi kapitalnih dobitaka. To znači da se porez plaća na razliku između nabavne i prodajne cijene umanjenu za troškove trgovanja. Porez na dohodak po osnovi kapitalnih dobitaka je 12% te se uvećava za prirez.

S obzirom da je porezni obveznik dužan do posljednjeg dana mjeseca veljače tekuće godine sam obračunati i uplatiti porez za sve kapitalne dobitke ostvarene u prethodnoj godini, preporučamo da se za izradu tog obračuna obratite kvalificiranom računovođi, poreznom savjetniku ili izravno Poreznoj upravi.

Više o navedenoj tematici možete pronaći na sljedećim linkovima:
https://www.porezna-uprava.hr/HR_publikacije/Lists/mislenje33/Display.aspx?id=19570
https://www.porezna-uprava.hr/HR_publikacije/Lists/mislenje33/Display.aspx?id=19590

KYC/AML

Trebate li identifikacijske podatke kada kupujem u EUR valuti?

Ovisno o iznosu, zatražit ćemo različite dokumente kako bi bili u skladu s KYC/AML zahtjevima banke te trenutnim zakonima i regulativama Republike Hrvatske i Europske unije. Molimo, kontaktirajte nas preko web chata ili nekog drugog komunikacijskog kanala za detaljno objašnjenje.

Identifikacijski dokument bit će potreban samo ako ste novi klijent ili prvi puta kupujte u EUR valuti.

Općenito

Koji novčanik preporučate?

To je subjektivno pitanje, ovisi o namjeni novčanika te u svakom slučaju postoji mnogo opcija. Neke od popularnijih su:

  • mobitel: Trust (BTC, ETH, razno)
  • web: Blockchain.com (BTC, ETH, razno)
  • PC: Electrum (BTC) ili Exodus (BTC, ETH, razno)
  • hardverski: TREZOR (BTC, ETH, razno) ili Ledger Nano S (BTC, ETH, razno)
  • papirnati: wiki

Zašto XRP ima minimalni balance?

XRP je token koji ima ugrađeno pravilo o minimalnom saldu koji morate imati na pojedinoj adresi/novčaniku, isto kao što neke banke imaju minimalne limite za održavanje bankovnog računa. Kako biste aktivirali i počeli koristiti XRP, morate položiti više od 20 XRP tokena u novčanik.

Nakon toga Vaš račun će se aktivirati i možete koristiti tokene po potrebi. Koristiti možete sve XRP tokene iznad 20 kom, a navedena količina ostaje trajno zaključana na adresi (tj. služi za održavanje adrese novčanika).

Zašto NEO token mogu razmjeniti samo u cijelim brojevima?

NEO token nije dostupan u decimalama, stoga su samo cijeli brojevi dostupni za razmjenu.

Coin-to-coin razmjena

Što je coin-to-coin razmjena?

Coin-to-coin je jednostavna i brza usluga koja omogućava razmjenu između različitih coinova. Registracija ili identifikacijska procedura nije potrebna, a možete izvršiti transakcija koliko želite. Brzo ćemo procesirati svaku transakciju bez dodatnih troškova ili skrivenih naknada. Iznose koje vidite pri pokretanju razmjene su konačni i nepromjenjivi.

Kako coin-to-coin razmjena radi?

Na početnoj stranici mjenjačnice jednostavno odaberite coin koji želite poslati i coin koji želite primiti te pokrenite proces klikom na dugme. Unesite iznos koji želite poslati ili primiti, adresu na koju ćemo slati coin i email adresu na koju ćemo slati obavijesti o razmjeni. Nakon pokretanja razmjene imat ćete 15 minuta da pošaljete coin na traženu adresu, a u suprotnom se razmjena istekom vremena automatski poništava.

Koliko treba vremena za obradu razmjene?

Uglavnom između 10-30 minuta, ali potrebno vrijeme većinom ovisi o trenutnom opterećenju blockchain mreže i njenoj brzini obrade transakcija. Također, kada šaljete coin preporučamo slanje direktno iz vlastitog novčanika, a ne preko burzi (Binance, Bitfinex, itd.) zbog njihove sporije obrade i mogućeg isteka vremena (15 min) unutar kojeg je potrebno poslati coin.

Kako mogu otkazati transakciju?

Blockchain transakcije su nepovratne. Jednom kada je coin poslan, ne može biti opozvan niti vraćen. Kada pokrećete coin-to-coin razmjenu, više puta provjerite sve adrese i ostale podatke prije pokretanja razmjene.

Kontaktirajte nas odgovorom na email dobiven pri pokretanju razmjene, ali paralelno i drugim kanalima, ako je hitno. Situaciju ćemo moći riješiti ako već nismo izvršili slanje. U slučaju da je coin već poslan, transakcija je nepovratna i nažalost nećemo moći pomoći.

Mogu li kupiti coine?

Da, molimo pogledajte Kupnja / Prodaja FAQ.

Mogu li prodati coine?

Da, molimo pogledajte Kupnja / Prodaja FAQ.

Koja je garancija isporuke coina?

Coin-to-coin razmjena je nova usluga razvijena od strane Electrocoina. Electrocoin d.o.o. je tvrtka za posredovanje u trgovanju kriptovalutama osnovana 2014. godine u Zagrebu. Kroz protekle godine uspješno smo izvršili više od 70.000 transakcija s 15.000 različitih klijenata. Više o nama možete pronaći na https://electrocoin.hr/

Frequently asked questions

Commission / Price / Exchange rate / Fee

What's your commission / price / exchange rate / fee?

Trade details are final and precise. All the fees and expenses are accounted for in our exchange rate, so there are no additional expenses. You always pay/receive exactly what's written on your screen while you're conducting a trade.

Our exchange rates are generally around 1.5-2.5% different from the current average coin/EUR prices on the open market, but could vary depending on market circumstances and the specific currencies being exchanged. You will be able to see the rate and exact amounts for a specific trade before initiating it.

What if the exchange rate changes while you're waiting for my payment to arrive?

Trade details do not change over time. Your cryptocurrency exchange will be conducted and concluded at the exact rate set at the moment you opened the trade. You are buying/selling at the moment you opened the trade - only the delivery of your coin is delayed. If you opened a trade in the amount of X EUR for Y BTC, you will always receive X EUR for Y BTC.

Purchase / Sale

What are the minimum and maximum amounts for a purchase or sale?

The minimum is 5 EUR and the maximum is 50.000 EUR for SEPA/EU bank transfer transactions. Larger orders are possible - please contact us for more information and a quote.

Do you accept or give out cash payments by meeting in person?

You may purchase cryptocurrency with cash in all Croatian bank, post and Fina offices by depositing cash into our bank account.

It is possible to sell cryptocurrency for cash at 55 Croatian Post offices. Answers to frequently asked questions about this service can be found here.

You can also buy or sell cryptocurrency for cash at In Kapital exchange offices in Zagreb. In Kapital locations that support cryptocurrency exchange can be found here.

We do not meet clients in person.

How can I pay using EUR?

Simply start the purchase process on our website while choosing "SEPA/EU bank transfer (EUR)" as the payment method. Fill in the required details and you will receive our bank account information to which you will make the payment. We will send the coin when we receive the EUR.

We can receive EUR bank transfers from bank accounts in countries that are part of SEPA. SEPA consists of all EU countries + Iceland, Liechtenstein, Norway, Switzerland, Andorra, Monaco, San Marino, and Vatican City. You do not have to be a citizen of a SEPA country to have a bank account in the SEPA zone.

You can use your internet or mobile banking application to send us the EUR.

You can also visit a bank office personally with cash in hand and initiate a SEPA transfer (depending on the bank and their local policies, limits and rates; additional charges may be incurred by your bank).

More information: What is SEPA?

When will I receive my coin if I paid in EUR?

Under normal circumstances, we will send your coin immediately after we can see your payment in our bank account. SEPA EUR payments usually arrive within 2 business days from the date of execution by your bank, often within a day. Banks do not process transactions outside of their working hours such as at night, on weekends, or during holidays. When initiating a trade, please be aware of the time of day, weekends, and bank holidays that might prolong the time it takes for the bank transaction to reach us.

Your bank will not actually transmit your payment outside of its working hours, even if it seems that they have already debited your account.

How can I receive an EUR payout for my coin?

Simply start the sell process on our website while choosing "SEPA/EU bank transfer (EUR)" as the payout method. Fill in all the blank boxes and you will receive a coin deposit address. We will send the EUR when we receive the coins.

We can send EUR bank transfers to bank accounts in countries that are part of SEPA. SEPA consists of all EU countries + Iceland, Liechtenstein, Norway, Switzerland, Andorra, Monaco, San Marino, and Vatican City. You do not have to be a citizen of a SEPA country to have a bank account in the SEPA zone.

More information: What is SEPA?

Do you accept payment in USD or other fiat currencies?

No, we can receive and send only EUR and HRK.

We can send and receive EUR bank transfers to and from bank accounts in countries that are part of SEPA. SEPA consists of all EU countries + Iceland, Liechtenstein, Norway, Switzerland, Andorra, Monaco, San Marino, and Vatican City. You do not have to be a citizen of a SEPA country to have a bank account in the SEPA zone.

Do you accept payments from debit/credit cards or Paypal?

No. At the moment we can't receive or send payments from or to debit/credit cards nor Paypal. Payoneer is also not supported.

Can I buy from you as a company (paying from a company-owned bank account)?

Yes. We will ask you for company registration documents and ID verification of an executive (e.g. CEO, owner) authorized to make payments on behalf of the company.

We will only ask for company registration documents and ID verification during the first trade with a new client.

Should I send you an urgent bank transfer? My bank has this option.

No, please don't. We strongly advise against this as we've experienced issues when receiving such payments. Please send a standard SEPA bank transfer.

How can I pay using HRK (Croatian kuna)?

We can receive a national HRK bank transfer from your Croatian bank account. You can use your internet or mobile banking application to send us the HRK.

You can also visit any bank, post or Fina office in Croatia, regardless if you're their client, and deposit a cash payment to our account (depending on the bank and their local policies, limits and rates; additional charges may be incurred by the bank).

When will I receive my coin (paid in HRK)?

Under normal circumstances, we will send your coin immediately after we can see your payment in our bank account. National HRK payments usually take 2-4 hours from the moment of execution by your bank. Banks do not process transactions outside of their working hours such as at night, on weekends, and during holidays. When initiating a trade, please be aware of the time of day, weekends, and bank holidays that might prolong the time it takes for the bank transaction to reach us.

Your bank will not actually transmit your payment outside of its working hours, even if it seems that they have already debited your account. If you initiated the transaction after 15:00, the bank will execute it on the next business day in the morning.

How can I sell my coin for HRK (Croatian kuna)?

We can make the payment to your bank account or in cash.

It is possible to sell cryptocurrency for cash at 55 Croatian Post offices. Answers to frequently asked questions about this service can be found here.

When will I receive my HRK (Croatian kuna)?

If you wish to receive the payment by bank transfer, under normal circumstances we will issue the bank transaction as soon as we receive the coin. The transfer should be visible on your account in about 2 to 4 hours if we receive your coin before 15 (Croatian time) on a work day, otherwise you should see the transfer on the next work day in the morning.

If you're selling cryptocurrency for cash at a Croatian Post office, you will receive the cash when we receive the coin. More information about this service can be found here.

Can I stop an initiated transaction to my address or change the coin delivery address for my open purchase?

Contact us by replying to the email you received after opening the trade. Feel free to also use our other contact channels if it's urgent. We are able to change the delivery address if we haven't already sent your coin. Any funds that have already been sent are unfortunately not refundable, as blockchain transactions are not reversible, and we have no technical means of helping you.

I didn't confirm my payment by clicking the "Payment confirmed" button and my trade was automatically canceled. What now?

If you haven't made the payment yet, simply start a new trade when you are ready to make the payment.

If you have made the payment, contact us by replying to the trade cancelation email you received. The sooner you alert us to the situation, the higher the chance that we will be able to reactivate and complete the trade as if it had been confirmed in time. If we are unable to offer the exact rate of the canceled trade, we will offer you a full refund or the ability to start a new trade for the sent amount at our current rates.

I tried selling you some coin, but the trade automatically timed out. What now?

If you haven't yet sent us the coin, simply start a new trade when you are ready to send the coin.

If you have already sent the coin, contact us by replying to the trade cancelation email you received. The sooner you alert us to the situation, the higher the chance that we will be able to reactivate and complete the trade as if the coin had been sent in time. If we are unable to offer the exact rate of the canceled trade, we will offer you a full refund or the ability to start a new trade for the sent amount at our current rates.

I bought coin worth X EUR, and you sent me coin worth Y EUR. What happened?

You bought an amount of coin that was valued at X EUR at the moment of opening the trade. That rate hasn't changed. You received the agreed upon amount of coin, priced at X EUR at that moment in the past.

My trade status is "completed", but I still don't see the coin in my wallet. What's going on?

All cryptocurrency transactions are publicly visible at any blockchain explorer for that particular coin. You can open, for example, Blockchain.com/explorer for BTC, or Etherscan.io for ETH. If you enter your coin delivery address into the search field you will be able to inspect all transactions to and from your address. Our transaction should be visible there. If it is, but you're still not seeing that coin amount credited in your wallet - there's an issue with your wallet. You can contact your wallet support staff for further assistance.

While selling you my coin, I accidentally sent more or less than the specified amount. What now?

Contact us by replying to the email you received while opening the trade. We can usually recalculate the trade amounts proportionally to the actual amount you sent.

Please always use your own dedicated wallet app to send coin transactions to our addresses, which will precisely send the exact amount we agreed upon. Don't send us coin by withdrawing it from your exchange account directly to our address.

I entered some wrong information while sending my bank transfer. What now?

Contact us by replying to the email you received when confirming the trade, explaining the situation. Please clearly state the name of the owner of the paying bank account, and attach a screenshot of your internet banking payment order, a PDF payment statement or any other proof of transfer.

I sent my coin to one of your addresses that I already used before in a previous transaction. What now?

Contact us by replying to the email you received when confirming the trade, explaining the situation. Please always use our latest address displayed in the currently active trade.

Can I buy or sell cryptocurrency for EUR if I'm from ...?

We can send and receive EUR bank transfers to and from bank accounts in countries that are part of SEPA. SEPA consists of all EU countries + Iceland, Liechtenstein, Norway, Switzerland, Andorra, Monaco, San Marino, and Vatican City. You do not have to be a citizen of a SEPA country to have a bank account in the SEPA zone.

More information: What is SEPA?

Tax

Do I have to pay tax on any EUR transactions I receive from you while selling my coin?

This is a question for your local or national tax authority. We're unable to offer financial, legal or tax advice related to transactions to your personal bank account. Each country may have their own interpretation on the treatment of cryptocurrency trading.

Please contact a qualified accountant, lawyer or tax professional familiar with your local regulations.

KYC/AML

Do you ask for any personal documents when I buy coin from you for EUR?

Depending on the amount and various other factors, we may require some identity verification documents for compliance with our KYC/AML regulations. You will be guided through the process and receive exact instructions once you have initiated a trade with us.

We will generally only go through identity verification once on your first purchase.

General

Which wallet can you recommend?

This is a highly subjective question with many recommendations available online. We recommend reading some reviews and comparison articles before making your choice. Some of the more popular wallets we can recommend include:

  • phone: Trust (BTC, ETH, various)
  • web: Blockchain.com (BTC, ETH, various)
  • PC: Electrum (BTC) or Exodus (BTC, ETH, various)
  • hardware: TREZOR (BTC, ETH, various) or Ledger Nano S (BTC, ETH, various)
  • paper wallets: wiki

Why does XRP have a minimum balance?

Ripple's XRP is a special asset that has built-in rules on minimum balances held in XRP addresses, just like some bank accounts where you have to maintain a minimum balance. In order to activate and use XRP, you must first deposit no less than 20 XRP into your account. You will not be able to move the 20 XRP out of your account.

Why can I exchange NEO only in whole numbers?

Only whole number NEO amounts can be sent on the NEO blockchain. This is why you can only exchange whole number amounts of NEO.

Coin-to-coin exchange

What is a coin-to-coin exchange?

Coin-to-coin is a simple and fast cryptocurrency exchange service which enables you to convert between different coins. Registration is not required, and you can make as many exchanges as you want. We'll quickly process any transaction for you without charging any additional or hidden fees. Coin amounts that you see when starting a trade are unchangeable and final.

How does it work?

While on our main exchange page simply choose the coin you want to send and the coin you want to receive, then begin the process by clicking the button below. Enter the amount you wish to send or receive, the address to which we should send our coins, and the email address to which we will send any notifications related to the trade. After starting a trade you will have 15 minutes to send your coins, or else the trade will be canceled. When we receive your coins we will send our coins to the address you have specified.

How long does it take for a transaction to be finished?

Usually between 10-30 minutes, but this mostly depends on current blockchain load and its transaction processing speed. Also, when sending coins we suggest that you use your private wallet, and avoid using exchange wallets (e.g. Binance, Bitfinex, etc.) due to their delayed transaction processing.

How can I cancel my transaction?

Blockchain transactions are irreversible. Once the coin is sent, it cannot be recalled. If you are going to exchange coins, check your addresses and other details before taking any action.

You can always contact us by replying to the email you received after opening the trade. Feel free to also use our other contact channels if it's urgent.

Can I buy coins from you?

Yes, please check the Purchase / Sale section of the FAQ.

Can I cash out/sell my coins to you?

Yes, please check the Purchase / Sale section of the FAQ.

Why should I trust you?

Our coin-to-coin exchange is a newly developed service; however, Electrocoin d.o.o. is a cryptocurrency brokerage company founded in 2014. and based in Zagreb, Croatia. Over the years we have successfully concluded more than 70.000 trades with more than 15.000 different clients. Read more about us at https://electrocoin.hr/en/

Crypto To Cash - česta pitanja

U kojim poslovnicama pošte mogu prodati svoje kriptovalute?

Projekt je aktivan u 55 poštanskih ureda diljem Hrvatske (klikni za kartu):
  • Zagreb, Branimirova 4
  • Zagreb, Dubrava 53
  • Zagreb, Jurišićeva 13
  • Zagreb, Britanski trg 12
  • Zagreb, Gundulićeva 8
  • Zagreb, Ozaljska 152
  • Zagreb, City Centar One Zagreb East, Slavonska avenija 11D
  • Zagreb, Arena Centar, Vice Vukova 6
  • Zagreb, Trg John F. Kennedy 11
  • Zagreb, Jankomir 33, City Centar One Zagreb West
  • Zagreb, Avenue Mall, Avenija Dubrovnik 16
  • Sesvete, Varaždinska 1
  • Velika Gorica, Slavka Kolara 15
  • Samobor, Gajeva 4
  • Zadar, Kralja S. Držislava 1
  • Zadar, Šimuna Kožičića Benje 1
  • Zadar, "Mala pošta", Josipa Jurja Strossmayera 8
  • Zadar, Supernova, Ulica Akcije Maslenica 1
  • Split, Kralja Tomislava 9
  • Split, Lovretska 22
  • Split, Vinkovačka 8
  • Rijeka, Krešimirova 7
  • Rijeka, Korzo 39
  • Šibenik, Bribirskih knezova 83
  • Šibenik, Ulica fra Jerolima Milete 2
  • Dubrovnik, Vukovarska 16
  • Dubrovnik, Široka 8
  • Osijek, Kardinala Alojzija Stepinca 17
  • Osijek, Prolaz Julija Benešića 1
  • Varaždin, Trg Slobode 9
  • Opatija, Eugena Kumičića 4
  • Pula (Pola), Danteov trg 4
  • Rovinj (Rovigno), Matteo Benussi 4
  • Poreč (Parenzo), Vukovarska 17
  • Krk, Bodulska bb
  • Mali Lošinj, Vladimira Gortana 4
  • Korčula, Trg kralja Tomislava 24
  • Ploče, Trg kralja Tomislava 18
  • Metković, Dr. Ante Starčevića 9
  • Sinj, Glavička 5
  • Makarska, Trg 4. Svibnja 533 Br. 1
  • Hvar, Obala Riva 19
  • Vis, Obala Svetog Jurja 25
  • Supetar, Vlačica 13
  • Vinkovci, Ulica Matije Antuna Reljkovića 7
  • Virovitica, Masarykova 1
  • Požega, Kamenita vrata 10
  • Slavonski brod, Trg hrvatskog proljeća 6
  • Čakovec, Tome Masaryka 28
  • Bjelovar, Gajeva 2
  • Sisak, Stjepana i Antuna Radića 29
  • Karlovac, Ivana Gorana Kovačića 4
  • Koprivnica, Florijanski trg 18
  • Krapina, Ulica Ljudevita Gaja 18
  • Gospić, Kaniška 53

Koje kriptovalute mogu prodati u poslovnicama pošte?

Trenutno za gotovinu u poslovnicama pošte možete prodati Bitcoin (BTC), Ethereum (ETH), XRP, Stellar (XLM) i EOS.

Koji je proces prodaje kriptovaluta u pošti?

Ako u poslovnici postoji redomat s opcijom I - otkup kriptovalute, odaberite ju i pričekajte da Vas pozovu na šalter. Inače djelatniku na šalteru jednostavno kažite da želite prodati kriptovalutu. Na šalteru ćete predočiti osobnu iskaznicu ili putovnicu (opcionalno i e-mail adresu) i reći djelatniku pošte iznos kriptovalute koju želite razmijeniti. Nakon toga će Vam djelatnik izdati kupon s adresom na koju ćete iz svog kriptovalutnog novčanika poslati kriptovalutu. Ako ste na šalteru predali i e-mail adresu, e-mailom ćete dobiti obavijest kad je transakcija uspješno provedena, a Vaša gotovina spremna za preuzimanje.

Nakon što je transakcija uspješno poslana, možete se vratiti na šalter u pošti i s istim kuponom podići svoju gotovinu. Ovisno o kriptovaluti koju koristite, cijeli proces može trajati do pola sata, ali je obično gotov unutar par minuta.

Mogu li u poslovnici pošte kupiti neku kriptovalutu?

Ne, trenutno je u 55 poslovnica pošte u okviru ovog projekta moguće samo prodati kriptovalute za kune.

Ako želite kupiti kriptovalute, možete posjetiti bitcoin-mjenjacnica.hr, odabrati gotovinsku transakciju te zatim u bilo kojoj poslovnici pošte uplatiti gotovinu općom uplatnicom. U ovom slučaju koristite već postojeću poštinu uslugu općeg platnog prometa: na redomatu birate opciju A - Plaćanje računa / Uplate / Isplate, a zatim plaćate kriptovalutu jednako kao što biste platili npr. režije.

Je li ova usluga anonimna?

Nije. Na šalteru ćete morati predočiti osobnu iskaznicu ili putovnicu.

Postoje li limiti na iznos prodaje u poslovnici pošte?

Unutar 24 sata možete prodati kriptovalute u ukupnom iznosu od 7000 HRK. Najmanji iznos za prodaju je 1 lipa.

Mogu li u pošti primiti EUR ili neku drugu valutu umjesto HRK?

Ne, moguće je isplatiti isključivo kune (HRK).

Koja je provizija/naknada na prodaju kriptovaluta?

Nema dodatne provizije ili naknade na prodaju kriptovaluta. Vaše kriptovalute otkupljujemo po tečaju koji je za oko 6% udaljen od kombinacije tržišnih tečajeva s raznih burza kriptovaluta u trenutku prodaje.

Kako je to riješeno porezno?

Na šalteru pošte ćete dobiti gotovinu i na vama je da sva svoja gotovinska primanja sami prijavljujete nadležnoj Poreznoj upravi prema trenutno važećim pravilima koja možete proučiti na sljedećim linkovima:

https://www.porezna-uprava.hr/HR_publikacije/Lists/mislenje33/Display.aspx?id=19570
https://www.porezna-uprava.hr/HR_publikacije/Lists/mislenje33/Display.aspx?id=19590

Preporučujemo da se za informacije o uplati poreza savjetujete s kvalificiranim računovođom, poreznim savjetnikom ili izravno u nadležnoj Poreznoj upravi.

Koliko vremena imam za slanje kriptovaluta na navedenu adresu nakon što na šalteru dobijem kupon?

Transakcija mora biti vidljiva na mreži unutar 15 minuta.

Mogu li slati kriptovalute sa svog računa na nekoj burzi kriptovaluta?

Ne. Molimo Vas da koristite isključivo kriptovalutne novčanike, idealno na svom mobitelu. Burze i slični servisi transakciju ne šalju odmah, a nekad ni ne šalju točan iznos (imaju izlazne naknade). Ako transakcija ne bude vidljiva na mreži u roku od 15 minuta, morat ćete kontaktirati Electrocoin za povrat sredstava jednom kad se transakcija pojavi.

Što ako pošaljem premalo ili previše kriptovalute u odnosu na iznos na kuponu?

Ako pošaljete manje od iznosa na kuponu, transakcija će automatski biti prilagođena stvarno poslanom iznosu i jednostavno će vam biti isplaćeno manje kuna. Ako pošaljete previše, bit će vam isplaćen kunski protuiznos koji ste originalno i zatražili, a višak kriptovalute bit će vam vraćen na kriptovalutnu adresu po vašem izboru. Morat ćete kontaktirati Electrocoin službu za korisnike da biste nam javili povratnu adresu.

Preporučujemo da koristite mobilni kriptovalutni novčanik i skenirate QR kod na kuponu, čime ćete osigurati da su svi iznosi točni, a transakcija poslana u roku.

Kome se mogu javiti u slučaju problema ili pitanja oko transakcije?

Možete se javiti Electrocoin službi za korisnike:

E-mail: [email protected]
SMS, Viber, Telegram, WhatsApp: +385 91 981 2643 (samo poruke)
Skype: bitcoin-mjenjacnica

Crypto To Cash - frequently asked questions

At which post offices can I sell cryptocurrency?

The project is active at 55 post offices in Croatia (click for map):
  • Zagreb, Branimirova 4
  • Zagreb, Dubrava 53
  • Zagreb, Jurišićeva 13
  • Zagreb, Britanski trg 12
  • Zagreb, Gundulićeva 8
  • Zagreb, Ozaljska 152
  • Zagreb, City Centar One Zagreb East, Slavonska avenija 11D
  • Zagreb, Arena Centar, Vice Vukova 6
  • Zagreb, Trg John F. Kennedy 11
  • Zagreb, Jankomir 33, City Centar One Zagreb West
  • Zagreb, Avenue Mall, Avenija Dubrovnik 16
  • Sesvete, Varaždinska 1
  • Velika Gorica, Slavka Kolara 15
  • Samobor, Gajeva 4
  • Zadar, Kralja S. Držislava 1
  • Zadar, Šimuna Kožičića Benje 1
  • Zadar, "Mala pošta", Josipa Jurja Strossmayera 8
  • Zadar, Supernova, Ulica Akcije Maslenica 1
  • Split, Kralja Tomislava 9
  • Split, Lovretska 22
  • Split, Vinkovačka 8
  • Rijeka, Krešimirova 7
  • Rijeka, Korzo 39
  • Šibenik, Bribirskih knezova 83
  • Šibenik, Ulica fra Jerolima Milete 2
  • Dubrovnik, Vukovarska 16
  • Dubrovnik, Široka 8
  • Osijek, Kardinala Alojzija Stepinca 17
  • Osijek, Prolaz Julija Benešića 1
  • Varaždin, Trg Slobode 9
  • Opatija, Eugena Kumičića 4
  • Pula (Pola), Danteov trg 4
  • Rovinj (Rovigno), Matteo Benussi 4
  • Poreč (Parenzo), Vukovarska 17
  • Krk, Bodulska bb
  • Mali Lošinj, Vladimira Gortana 4
  • Korčula, Trg kralja Tomislava 24
  • Ploče, Trg kralja Tomislava 18
  • Metković, Dr. Ante Starčevića 9
  • Sinj, Glavička 5
  • Makarska, Trg 4. Svibnja 533 Br. 1
  • Hvar, Obala Riva 19
  • Vis, Obala Svetog Jurja 25
  • Supetar, Vlačica 13
  • Vinkovci, Ulica Matije Antuna Reljkovića 7
  • Virovitica, Masarykova 1
  • Požega, Kamenita vrata 10
  • Slavonski brod, Trg hrvatskog proljeća 6
  • Čakovec, Tome Masaryka 28
  • Bjelovar, Gajeva 2
  • Sisak, Stjepana i Antuna Radića 29
  • Karlovac, Ivana Gorana Kovačića 4
  • Koprivnica, Florijanski trg 18
  • Krapina, Ulica Ljudevita Gaja 18
  • Gospić, Kaniška 53

Which cryptocurrencies can I sell at a post office?

You can currently sell Bitcoin (BTC), Ethereum (ETH), XRP, Stellar (XLM) and EOS for cash at a post office.

What does the process of selling cryptocurrency at a post office look like?

If there is a queue number machine in the post office with the option: I - cryptocurrency exchange, select it and then wait for a teller to call you up to the counter. Otherwise just ask a teller for the cryptocurrency exchange service. You will have to present an ID card or passport (and optionally provide your email address), and express the cryptocurrency amount you wish to exchange. You will then receive a coupon with the address to which you have to send the cryptocurrency using your cryptocurrency wallet. If you have provided your email address, you will receive a notification when you can collect your cash.

Once the transaction has been successfully completed, you can return to the post office counter and use the coupon to collect your cash. Depending on the cryptocurrency used in the exchange, the process can last up to half an hour, but is generally done within minutes.

Can I buy cryptocurrencies at a post office?

No. At this time, you can only sell your cryptocurrencies for Croatian Kunas at the 55 post offices participating in the project.

If you wish to purchase cryptocurrencies, you can visit bitcoin-mjenjacnica.hr, choose cash as the payment method, then make a cash payment at any post office in Croatia using a payment slip. In this case, you would use the existing payment service provided by the postal service: at the queue number machine select option A - Bill payment / Payments out/in, and pay for the cryptocurrency just like you would pay a utility bill for example.

Is this service anonymous?

No. You will have to present an ID card or passport at the counter.

Is there a sale limit at a post office?

You can sell cryptocurrencies in the total amount of 7000 HRK within an interval of 24 hours. The lowest sale amount is 1 lipa (0.01 HRK).

Can I receive EUR or another currency instead of HRK at a post office?

No. It is only possible to receive Kunas (HRK).

What is the commission/fee for a cryptocurrency sale?

There is no additional commission or fee for the exchange. The cryptocurrencies are exchanged at a rate that is about 6% off from combined market rates of various cryptocurrency exchanges at the moment of exchange.

How is this treated in regards to taxes?

At the post office counter you will receive cash and it is up to you to report all of your cash income to the relevant tax administration office according to the currently active rules which you can read using the following links (for Croatian residents):

https://www.porezna-uprava.hr/HR_publikacije/Lists/mislenje33/Display.aspx?id=19570
https://www.porezna-uprava.hr/HR_publikacije/Lists/mislenje33/Display.aspx?id=19590

We recommend consluting a qualified accountant, lawyer or tax professional familiar with your local regulations.

How much time do I have to send the cryptocurrency to the specified address after receiving the coupon at the counter?

The transaction has to be visible on the network within 15 minutes.

Can I use a cryptocurrency exchange account to send the cryptocurrency for the trade?

No. Please use a cryptocurrency wallet, ideally on your smartphone. Cryptocurrency exchanges and similar services do not issue transactions immediately and they often don’t send the exact amount due to the withdrawal fees. If the transaction is not visible on the network within 15 minutes, you will have to contact Electrocoin for a refund once the transaction appears.

What if I underpay or overpay in relation to the amount on the coupon?

If you underpay, the transaction will automatically be adjusted to the sent amount and you will receive less cash. If you overpay, you will receive the exact amount of cash that you have requested, and the surplus cryptocurrency will be sent back to an address of your choice. You will have to contact the Electrocoin support team to communicate the receiving address.

We recommend using a mobile cryptocurrency wallet on your smartphone and scanning the QR code on the coupon, thus ensuring that the amount is correct and the transaction sent out on time.

Who can I contact if I have a problem or a question regarding a transaction?

Please contact the Electrocoin support team:

E-mail: [email protected]
SMS, Viber, Telegram, WhatsApp: +385 91 981 2643 (text messages only)
Skype: bitcoin-mjenjacnica

Electrocoin

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LocalBitcoins

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Bitcoin mjenjačnica

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“The Best! :)

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yearn.finance (YFI)

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USD Coin (USDC)

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Zcash (ZEC)

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Dash (DASH)

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Stellar (XLM)

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yearn.finance (YFI)

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Uniswap (UNI)

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Dai (DAI)

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Qtum (QTUM)

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Paxos Standard (PAX)

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TrueUSD (TUSD)

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Wrapped Bitcoin (WBTC)

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Waves (WAVES)

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Dogecoin (DOGE)

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Maker (MKR)

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Paxos Gold (PAXG)

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HRK

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EUR

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Tether (USDT)

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Litecoin (LTC)

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Chainlink (LINK)

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Ripple (XRP)

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EOS (EOS)

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TRON (TRX)

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Cardano (ADA)

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NEO (NEO)

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Zcash (ZEC)

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Dash (DASH)

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Stellar (XLM)

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yearn.finance (YFI)

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Uniswap (UNI)

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Dai (DAI)

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Qtum (QTUM)

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Paxos Standard (PAX)

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TrueUSD (TUSD)

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Wrapped Bitcoin (WBTC)

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Waves (WAVES)

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Dogecoin (DOGE)

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Maker (MKR)

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Paxos Gold (PAXG)

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HRK

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EUR

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Bitcoin (BTC)

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Ether (ETH)

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Tether (USDT)

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Bitcoin Cash (BCH)

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Litecoin (LTC)

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Chainlink (LINK)

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Ripple (XRP)

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EOS (EOS)

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TRON (TRX)

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Cardano (ADA)

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Binance Coin (BNB)

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NEO (NEO)

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USD Coin (USDC)

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Zcash (ZEC)

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Dash (DASH)

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Stellar (XLM)

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yearn.finance (YFI)

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Uniswap (UNI)

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Dai (DAI)

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Qtum (QTUM)

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Paxos Standard (PAX)

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TrueUSD (TUSD)

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Wrapped Bitcoin (WBTC)

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Waves (WAVES)

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Dogecoin (DOGE)

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Maker (MKR)

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Paxos Gold (PAXG)

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HRK

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HRK

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HRK

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EUR

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Bitcoin (BTC)

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Ether (ETH)

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Tether (USDT)

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Bitcoin Cash (BCH)

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Litecoin (LTC)

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Chainlink (LINK)

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Ripple (XRP)

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EOS (EOS)

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TRON (TRX)

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Cardano (ADA)

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Binance Coin (BNB)

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NEO (NEO)

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USD Coin (USDC)

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Zcash (ZEC)

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Dash (DASH)

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Stellar (XLM)

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yearn.finance (YFI)

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Uniswap (UNI)

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Dai (DAI)

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Qtum (QTUM)

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Paxos Standard (PAX)

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TrueUSD (TUSD)

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Wrapped Bitcoin (WBTC)

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Waves (WAVES)

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Dogecoin (DOGE)

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Maker (MKR)

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Paxos Gold (PAXG)

bitcoin-mjenjacnica.hr/#

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HRK

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HRK

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EUR

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Bitcoin (BTC)

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Ether (ETH)

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Tether (USDT)

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Bitcoin Cash (BCH)

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Litecoin (LTC)

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Chainlink (LINK)

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Ripple (XRP)

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EOS (EOS)

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TRON (TRX)

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Cardano (ADA)

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Binance Coin (BNB)

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NEO (NEO)

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USD Coin (USDC)

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Zcash (ZEC)

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Dash (DASH)

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Stellar (XLM)

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yearn.finance (YFI)

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Uniswap (UNI)

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Dai (DAI)

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Qtum (QTUM)

static image

Paxos Standard (PAX)

static image

TrueUSD (TUSD)

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Wrapped Bitcoin (WBTC)

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Waves (WAVES)

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Dogecoin (DOGE)

static image

Maker (MKR)

static image

Paxos Gold (PAXG)

static image

HRK

static image

HRK

static image

EUR

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Bitcoin (BTC)

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Ether (ETH)

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Tether (USDT)

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Bitcoin Cash (BCH)

static image

Litecoin (LTC)

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Chainlink (LINK)

static image

Ripple (XRP)

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EOS (EOS)

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TRON (TRX)

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Cardano (ADA)

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Binance Coin (BNB)

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NEO (NEO)

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USD Coin (USDC)

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Zcash (ZEC)

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Dash (DASH)

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Stellar (XLM)

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yearn.finance (YFI)

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Uniswap (UNI)

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Dai (DAI)

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Qtum (QTUM)

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Paxos Standard (PAX)

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TrueUSD (TUSD)

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Wrapped Bitcoin (WBTC)

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Waves (WAVES)

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Dogecoin (DOGE)

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Maker (MKR)

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Paxos Gold (PAXG)

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  • Electrocoin d.o.o.
  • Rukavec 5, Zagreb
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    • HR3724850031100300013
  • Electrocoin d.o.o.
  • Rukavec 5, Zagreb
  • HR 00
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  • Bitmark d.o.o.
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  • Electrocoin d.o.o.
  • Rukavec 5, Zagreb, Croatia
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