What’s Next? CoinGate Plans for 2026

As crypto payments move from niche to everyday business infrastructure, expectations are changing. Businesses are no longer looking only for ways to accept crypto. Now, they expect tools that fit into real operational and treasury workflows.

In 2026, CoinGate will continue building toward that goal. Our roadmap focuses on reducing manual work, improving predictability, and expanding how businesses can use crypto and stablecoins across their operations.

Below is an overview of what we’re working on next and how these improvements are expected to impact our clients in 2026.

Billing Designed for Ongoing Business Relationships

Many CoinGate clients use crypto billing not for one-off payments, but for recurring services, retainers, subscriptions, or long-term B2B relationships.

In 2026, Billing improvements will focus on making these workflows easier to manage at scale.

Planned upgrades include:

• A refreshed Billing interface aligned with the redesigned checkout
• Automated email reminders for unpaid invoices
• Recurring invoices with flexible schedules (monthly, quarterly, or custom dates)

These changes will reduce manual follow-ups, improve payment consistency, and make crypto invoicing viable for businesses that rely on predictable, recurring revenue, such as SaaS providers, agencies, and service companies.

Dedicated Deposit Addresses for Repeated Payments

Not every incoming payment fits neatly into an order or invoice flow. Some businesses need to receive repeated deposits from the same customers, partners, or internal entities.

Dedicated deposit addresses will be designed for this use case. With this functionality, businesses will be able to:

• Assign a unique deposit address to each customer or counterparty
• Track incoming payments without issuing individual orders
• Distinguish payer information using guest shoppers, beneficiaries, or similar identifiers

This supports balance top-ups, operational deposits, marketplace funding, and other flexible payment flows where simplicity and traceability matter more than formal invoicing.

On-Chain Subscriptions

We’re expanding recurring payment capabilities with on-chain subscriptions.

This model enables simple subscription-style payments where a customer’s EVM wallet (a web3 wallet designed to interact with Ethereum and other EVM-compatible blockchains) is debited automatically on a recurring basis, without relying on traditional invoice generation for each cycle.

On-chain subscriptions are particularly relevant for digital services, memberships, infrastructure providers, and platforms that want predictable recurring payments while keeping settlement fully on-chain.

Faster Payouts and Withdrawals

For many businesses, speed of settlement directly affects cash flow and operational efficiency.

In 2026, we’re working toward real-time processing for crypto payouts and withdrawals.

Automated payouts will result in quicker access to funds for affiliates, contractors, creators, and vendors. For businesses running high-volume or time-sensitive payout programs, real-time processing will remove delays between initiating a payout and seeing the balance update, making it easier to track available funds and plan payments.

Expanding Fiat Access with USD Deposits via SWIFT

To better support treasury and cross-border operations, we’ll be adding USD deposits via SWIFT.

This will allow businesses to move funds more easily between their bank  and CoinGate accounts.

USD SWIFT deposits simplify funding accounts, managing multi-currency balances, and bridging fiat and crypto workflows, especially for international businesses operating across multiple regions.

Yield on Account Balances

Some businesses hold crypto or stablecoin balances for extended periods as part of their operational setup.

We’re exploring yield opportunities on selected account balances, which would allow clients to earn returns on idle funds while keeping assets available for payouts and withdrawals.

This can improve capital efficiency by turning idle balances into a productive part of treasury operations, while maintaining access to funds when needed.

Simpler Payouts and Refunds Using Email Only

Managing wallet addresses can be a source of friction, especially for one-off payouts or refunds.

We’re working on the ability to send payouts and refunds using the recipient’s email address only, with wallet details handled later in the flow.

The expected outcome is reduced back-and-forth communication, lower error risk, and simplified payout and refund workflows, particularly for customer support teams and marketplaces.

Stay Tuned

Our 2026 roadmap is tailored to making crypto and stablecoins practical tools for everyday business operations.

Each of these initiatives is shaped by how CoinGate clients use the platform today, and we notice where they need more flexibility, automation, and clarity as their operations grow.

With that said, we’ll continue sharing updates as these features move closer to release.