How a Miami Trading Company Cut Their Fees 50x by Accepting Crypto Payments

plgki
May 6, 2026 •
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Capital Flow Trader is a Miami company that lets people trade in the financial markets using the company’s money instead of their own. This kind of business is called a prop firm.

To get in, traders first need to pass a test that shows they can trade well and handle risk. Once they pass, they can trade with up to $150,000, keep 80% of the profits, and the company keeps the other 20%

Today, Capital Flow has 20 employees, more than 2,500 funded traders around the world, and has already paid out over $4.5 million to successful traders.

Declined Cards, Lost Customers

To get funded by Capital Flow, traders pay a fee to take an evaluation that proves they can actually make winning trades, and that fee is the company’s main source of income.

The problem? 

Their customers come from all over the world, and card payments were often declined

People couldn’t pay, so they gave up and left before even starting. 

On top of that, Capital Flow was losing 5% on every transaction in fees, which quickly added up and ate into the money they needed to grow. 

They needed a payment system that actually worked for a global audience.

Zeno Bank Crypto Payment Gateway

Capital Flow picked Zeno Bank because it solved both problems at once. Crypto payments work anywhere in the world, so cards getting declined is no longer an issue.

And instead of losing 5% in fees, Capital Flow now pays just 0.1%.

Setup was easy too, their team connected Zeno Bank to their platform with the API integration in less than a day.

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Lower Fees, Higher Approval Rates, Real Growth

Capital Flow had been losing customers to failed card payments. The big question was, would switching to crypto fix the problem? The answer came fast.

Zero Declined Transactions

Before Zeno Bank, card declines were blocking international customers from completing purchases. Today, Capital Flow processes payments with zero declines. Every customer who wants to pay can pay.

50x Reduction in Payment Processing Fees

Capital Flow went from paying 5% per transaction to ZenoBank’s 0.1% fee. That’s a 50x cost reduction. For example, on $20 million in processed payments, Capital Flow saves $980,000, adding 4.9% to their net margin.

With those savings, they could buy 20 brand-new Tesla Model Ys, one for every member of the team.

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Faster Access to Funds, Faster Growth

With Zeno Bank, Capital Flow gets paid instantly instead of waiting days for bank transfers. 

That means money is ready to use right away, for example, if a trader pays a $500 fee on Monday morning, Capital Flow can spend it that same day on Google Ads to bring in new traders, or pay a software bill directly in crypto. 

Faster money in, faster money out, faster growth.

Nahuel, CEO of Capital Flow Trader: “It’s the cheapest, fastest, and most reliable payment solution we’ve ever used.”

Stop Losing Sales at Checkout

When a customer’s card gets declined, that sale is gone, and most businesses don’t even realize how many customers they lose this way. 

For Capital Flow, the problem is even bigger because prop trading is a high-risk industry. Banks see words like “trading” or “crypto” and block payments to protect themselves from fraud, chargebacks, and regulatory trouble.

Zeno Bank fixes that. Customers pay with the crypto token they prefer, transactions clear fast, and businesses keep more of their revenue with fees as low as 0.1%.

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As the CEO of Capital Flow Trader said, “Our clients are satisfied when paying, and we are satisfied when settling.” Capital Flow plans to keep using Zeno Bank as its primary payment solution.

Your customers want to pay you. Make it easy for them. Start here 

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