Crypto payments at Ninja: what to check before you send
If the Ninja cashier shows crypto options on your account, they work differently from cards and bank transfers in three important ways: payments are irreversible, the network matters as much as the coin, and the value can change between deposit and withdrawal. This page explains those differences in general terms; we do not claim which coins or networks the operator accepts at any moment. The set of methods and limits depends on the account — check the cashier. Method details are on the Bitcoin, Litecoin and USDT pages; the wider picture is on the payments overview and the home page.
Three coins, three different tools
| Coin | What it is | Main thing to watch |
|---|---|---|
| Bitcoin | The original cryptocurrency; its price moves freely | Network fees and confirmation time vary with network load |
| Litecoin | An older Bitcoin-like coin designed for quicker blocks | Price volatility, like any non-stable coin |
| USDT | A stablecoin pegged to the US dollar, issued on several networks | Choosing exactly the network the cashier names |
Depositing crypto, step by step
- Choose the coin in the cashier and read the network it names. USDT in particular exists on several blockchains, and an address on one does not receive coins sent on another.
- Copy the deposit address with the copy button rather than by hand, and check the first and last characters after pasting.
- If the cashier shows a memo, tag or destination field, include it. Without it, the deposit may arrive at the operator but not be matched to your account.
- Send a small test amount the first time. It costs one network fee and can save the whole deposit.
- Wait for the required confirmations. The transaction ID in your wallet shows how many have been reached.
Exchange rates and the account currency
Many cashiers convert crypto deposits into the account currency — for Estonian players typically the euro — at the rate shown when the deposit is credited. A withdrawal is then converted back at the rate valid at payout time. Between those two moments, the coin's price can move in either direction; with Bitcoin and Litecoin that can be significant, with a stablecoin like USDT it is mostly a matter of the dollar–euro rate. Some accounts keep the balance in crypto instead. Check which model your cashier uses before you deposit.
Withdrawing crypto
A crypto payout goes through the same stages as any other: Pending, Processing, Approved, Sent. The operator's review is not shorter just because the money will travel on a blockchain; verification is still required, and larger sums may still trigger questions about the source of funds. The difference is at the end: once Sent, the transfer is visible on the blockchain by its transaction ID, which makes it easy to confirm that the money has actually left. Use an address in a wallet you control, on the right network, and double-check it — a payout sent to a wrong address cannot be recalled. Many cashiers also expect crypto payouts to go back to the same coin and, sometimes, the same address you deposited from. The full process is in the withdrawal guide.
Risks worth naming
- Irreversibility. There is no chargeback in crypto. A mistake in the address or network is usually permanent.
- Price movement. A win can lose value between request and payout if you hold a volatile coin.
- Taxes. In Estonia, winnings from an organiser licensed by EMTA are not subject to income tax, while winnings from an unlicensed organiser are taxable income at 22% and must be declared; EMTA says nothing separately about organisers licensed in another EEA country. Crypto itself may raise tax questions of its own. Outside Estonia, check your local rules.