STON.fi Review 2026

Item: STON.fi
Rating: 4.73
Author: Ivan Andriyenko

By: Ivan Andriyenko
Updated: February 27, 2026

Top Brokers Overview — United States

Coins -
Fees 5.2 /10
User Reviews 6 /10
Regulation 0.75 /10

4.7 /10

High risk

STON.fi User Reviews 6.0
Commissions and Fees 5.2
Regulation and Safety 0.8
Deposit and Withdrawal 2.5
Markets and Tradable Assets 1.0
Customer Support 4.6

How we tested STON.fi

Traders Union has analyzed financial markets for over 14 years, evaluating brokers based on 250+ transparent criteria, including security, regulation, and trading conditions. Our expert team of over 50 professionals regularly updates a Watch List of 500+ brokers to provide users with data-driven insights. While our research is based on objective data, we recommend that users perform independent due diligence and consult official regulatory sources before making any financial decisions.

Learn more about our methodology and editorial policies.

Pros & Cons

Decentralization minimizes reliance on centralized entities;
An intuitive interface is suitable for clients of all levels;
Staking, farming, and liquidity pool rewards are available;
Advanced security measures are implemented for user funds protection.

Limited choice of trading instruments;
No support for traditional financial products.

STON.fi, launched in 2023, is a decentralized cryptocurrency exchange that operates without intermediaries and free from traditional financial regulations, offering trading over 50 cryptocurrencies, including Bitcoin and Ethereum. The platform supports liquidity pools where users can provide liquidity and earn rewards. STON.fi boasts a user-friendly interface and offers high transaction speeds, averaging around 5 seconds. STON.fi stands out with a competitive transaction fee of just 0.3%, making it an attractive option for cost-conscious traders.

TU Expert Verdict

STON.fi carries a higher degree of risk. My review and user feedback point to noticeable performance issues and limitations. It may be appropriate only for experienced traders who fully understand the risks and are prepared for potential instability.

STON.fi is a decentralized cryptocurrency exchange that operates via a proprietary web platform and offers trading in over 50 cryptocurrencies, including Bitcoin and Ethereum. The platform features support for the TON blockchain, enabling high transaction speeds that average around 5 seconds, and offers cross-chain swaps with liquidity pool rewards. With a user-friendly interface and a minimum deposit of $1, STON.fi appeals to both beginners and experienced crypto traders seeking direct control over their assets and moderate transaction fees of 0.3%.

However, a notable drawback is STON.fi's lack of regulation by any government authority, which significantly reduces client protection and oversight. Other disadvantages include its absence from the U.S. and German markets, no support for fiat payments or bank transfers, limited funding methods, and a comparatively modest selection of tradable assets and features. STON.fi may not be suitable for traders prioritizing regulatory compliance, market coverage, or broad payment options, though it might appeal to those focused on decentralized trading and passive income from staking.

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STON.fi User Reviews

Score:

6 /10

3 total

5-star

0%
4-star

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3-star

100%
2-star

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0%

STON.fi attracted me with its options to generate passive income through staking and providing liquidity. Liquidity providers receive a 0.2% fee, which is a strong incentive to support the pools. The platform is user-friendly, and I appreciate the ability to trade on the TON blockchain without centralized intermediaries. However, the lack of many popular cryptocurrencies limits the opportunities for portfolio diversification. Overall, STON.fi is a good choice for those focused on long-term investments in a secure environment.

STON.fi offers attractive options for those seeking a decentralized platform with support for the TON blockchain. I've been using it for token swaps and liquidity pool participation, and I appreciate its user-friendly interface and competitive fee structure. While STON.fi supports popular coins like BTC, ETH, and USDT, I would appreciate an even wider choice of cryptocurrencies. While STON.fi is suitable for long-term investments through staking, the limited choice of instruments might be a drawback for more advanced traders. To further enhance the platform's appeal, I'd love to see support for additional cryptocurrencies like LTC and XRP.

I've been using STON.fi for a few months now, and overall, I'm happy with it. The fees are competitive, and I appreciate the opportunity to trade BTC and ETH directly on a decentralized exchange. Cross-chain transactions are also supported for added convenience, although a wider selection of cryptocurrencies would be ideal. The platform itself is user-friendly, but a comprehensive mobile app would be a big improvement. The RFQ model helps avoid unexpected price slippage and makes trading more predictable and secure. Overall, STON.fi seems like a good option for experienced traders. Beginners, however, should carefully study all the nuances before getting started.

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STON.fi Commissions and Fees

Score:

5.2 /10

STON.fi received a 5.2/10 score for its trading fees. While STON.fi is not the cheapest crypto exchange, the fees remain reasonable and competitive within the market.

No deposit fee

Spot fee above industry average

What are STON.fi trading fees?

We analyzed STON.fi’s crypto fees and compared them to the top two competitors, both of which hold high average positions in our rankings. To establish a comprehensive benchmark, we also calculated the average fee score based on an evaluation of over 100 cryptocurrency exchanges.

STON.fi trading fees vs competitors

	STON.fi	Nexus Trade	CoinMetro	Industry average Based on the evaluation of over 100 leading crypto exchanges
Spot, maker fee (%) Maker fees are charged when liquidity is added to the order book. This occurs by placing a limit order below the current market price for buy orders, or above the market price for sell orders.	0.3	0.22	0.1	0.15
Spot, taker fee (%) Taker fees are charged when liquidity is removed from the order book. This typically happens when a trade is executed at the market price.	0.3	0.22	0.2	0.194

What are STON.fi deposit and withdrawal fees?

Deposit fee, % Important! Even if an exchange does not charge fees for deposits and withdrawals, there can also be fees from the payment system or cryptocurrency network used by the user. For example, the network fee for USDT TRC20 is typically around $1.	0
Withdrawal fee, %	Network fees

Does STON.fi offer P2P trading?

No, STON.fi does not support P2P transactions. However, you can explore the best alternatives in our dedicated list of top P2P exchange platforms, offering a variety of secure options for peer-to-peer transactions.

Regulation and Safety

Score:

0.8 /10

STON.fi received a score of 0.8/10, indicating a low level of security and regulatory compliance. This suggests that the platform may lack essential protections, and users should exercise extreme caution.

No successful hacks history

Cold wallet storage is not mandatory

We also compared STON.fi against the top two competitors with the highest scores in our overall ranking based on the most critical security indicators.

STON.fi Security Factors
	STON.fi	OKX	Coinbase
Tier-1 regulation	No	No	Yes
Government-regulated	No	Yes	Yes
Investor protection fund Provides compensation to users in case of financial loss due to unforeseen circumstances on the platform.	No	Yes	Yes
2FA	No	Yes	Yes
Facial recognition	No	Yes	No
Cold wallet storage The majority of user funds are held offline, reducing vulnerability to online attacks.	No	Yes	Yes
Successful hacker attacks We review publicly available information on past security breaches to assess the exchange's security track record.	No	No	Yes

Is STON.fi a regulated crypto exchange? Regulation is crucial for the security and legitimacy of a cryptocurrency exchange. We assess the exchange’s regulatory status and its impact on platform reliability.

STON.fi is not currently regulated by any government authority, which is still a common occurrence in the cryptocurrency industry. While this doesn't automatically mean STON.fi is unreliable, government-regulated exchanges are generally considered more reliable due to the added oversight and client protection they offer.

Is verification (KYC) mandatory at STON.fi?

KYC verification is not mandatory for opening an account and trading at STON.fi. However, unverified accounts have certain limitations, such as lower withdrawal limits and restricted access to certain features.

Is STON.fi available in the USA?

STON.fi is not available in the USA due to regulatory restrictions. In some cases, access might differ by state, so we recommend confirming details with the platform’s support or checking the official website for the latest updates.

You may also consider the top 3 exchanges that are available in the USA and rank highly based on our methodology: OKX, Coinbase, Crypto.com .

Deposit and Withdrawal

Score:

2.5 /10

STON.fi received a 2.5/10 rating for its deposit and withdrawal services. STON.fi offers limited funding options and may charge fees, which could be inconvenient for many users.

Many cryptocurrencies for deposits and withdrawals
No deposit fees

No support for bank card payments
Bank transfers not available

Deposit and withdrawal options

STON.fi supports the following deposit and withdrawal options: Crypto.

STON.fi Deposit and withdrawal options vs competitors

	STON.fi	OKX	Coinbase
Bank transfers	No	No	Yes
Bank card	No	Yes	Yes
Crypto	Yes	Yes	Yes
PayPal	No	No	Yes

What is STON.fi minimum deposit?

The minimum deposit at STON.fi is 1 USD/USDT or 0 BTC. The minimum trade size is 1 USD/USDT, which also serves as the minimum amount required to start trading on the platform.

STON.fi minimum deposit vs competitors

	STON.fi	OKX	Coinbase
Minimum deposit, USD or USDT	1	10	10
Minimum deposit, BTC	0	5	1
Minimum trade amount, USD/USDT	1	1	2

Does STON.fi support fiat money?

STON.fi does not support fiat currencies; only cryptocurrencies are accepted.

Supported Coins & Markets

Score:

1 /10

STON.fi received a score of 1/10 in this category, indicating a modest offering of assets and markets. While STON.fi covers essential trading functions, the number of supported coins, fiat currencies, and investment tools may be insufficient for users seeking more comprehensive options.

Staking available
Other supported products

Prediction markets are not supported
Crypto futures not available

STON.fi supported coins and markets vs competitors

We compared STON.fi with leading exchanges in terms of supported coins, NFT access, and derivatives like futures and options to help users assess the platform’s product range and trading flexibility.

	STON.fi	OKX	Coinbase
Supported coins	-	600+	400+
Futures/Perpetual contracts	No	Yes	Yes
Options	No	Yes	No
NFTs	No	Yes	Yes
Tokenized Assets Digital tokens representing real-world assets, such as stocks, bonds, commodities, or real estate.	No	Yes	Yes
TradFi Perps Perpetual futures contracts linked to traditional financial assets, such as stocks, indices, or commodities.	No	Yes	Yes
Prediction Markets Markets where users trade contracts based on the outcomes of future events.	No	No	No
Other Assets	No	No	Pre-IPO

STON.fi passive income options vs competitors

We also compared STON.fi with top competitors in terms of passive income opportunities such as staking, farming, and copy trading, to help users evaluate the platform’s earning potential beyond regular trading.

	STON.fi	OKX	Coinbase
Staking	Yes	Yes	Yes
Yield farming	No	Yes	Yes
Copy trading	No	Yes	No

Customer Support

Score:

4.6 /10

STON.fi provides below-average customer support, with noticeable limitations in communication channels, service availability, or additional assistance resources.

During TU testing, the exchange received a relatively low score for support accessibility and responsiveness. Users may face difficulties obtaining timely assistance with account access, deposits, withdrawals, or trading-related issues.