xCoins.io is a cryptocurrency exchange and lending platform that allows users to instantly buy bitcoins with fiat using a credit card and PayPal. The exchange was founded on August 5, 2016 by Sergey Nikitin, an experienced IT manager. The headquarters is located in Santa Monica, California, USA. The main goal of Sergey Nikitin was to create a service where you can quickly and easily buy bitcoins with a credit card. Precisely since most exchangers work slowly and do not allow users to buy coins using cards, xCoins made a splash in the world of virtual money and quickly gained popularity.