Lyzi x Comptacrypto: Crypto Payment and Tax Compliance, Finally a Complete Stack for Professionals

The primary barrier to crypto payment adoption in business is not technical. It is regulatory: "How do I declare this? How do I account for these transactions? Am I taking a tax risk?"

These are legitimate, concrete questions that still block thousands of merchants and professionals at the adoption threshold. The partnership between Lyzi and Comptacrypto addresses them directly, combining two complementary areas of expertise across the full chain: payment, conversion, traceability, accounting, and tax declaration.

Why Crypto Accounting Remains a Real Barrier for Professionals

Accepting a payment in Bitcoin or EURC generates specific obligations that standard accounting software does not natively cover:

Valuation of digital assets at the date of transaction
Conversion to fiat currency and traceability of the exchange rate applied
Nature of the operation based on the holder's status (company, association, sole trader)
Declaratory obligations imposed by French tax law (DGFiP) and the European regulatory framework
Management of unrealised or realised gains on retained assets

Without expert support, errors are common: incomplete declarations, missing supporting documents, forgotten transactions, incorrect fiscal qualification of operations. The consequences can be significant in the event of a tax audit.

This perceived risk is precisely what blocks adoption among merchants who have every economic reason to accept crypto.

What Lyzi Structurally Resolves on the Merchant Side

Lyzi's architecture eliminates the majority of accounting constraints for merchants who choose settlement in euros or FIAT to their bank account:

The merchant receives euros in their account, not cryptocurrencies — no digital asset to value, declare or manage
Each transaction is traced, timestamped and documented by Lyzi — payment records are available and exportable
Bank reconciliation is automated — Lyzi's reporting integrates into existing accounting flows like any other payment method
For merchants opting for partial settlement in stablecoins (EURC, USDC, EURCV, EURE), Lyzi ensures only EU-regulated issuers are used

For 90% of merchant use cases, Lyzi eliminates the accounting problem at source. But for professionals also managing crypto assets outside their commercial activity, or those opting for partial stablecoin settlement, Comptacrypto's expertise becomes essential.

What Comptacrypto Provides Where Lyzi Stops

Comptacrypto is a reference player in France on digital asset accounting and taxation, covering three distinct profiles:

Individuals: capital gains calculation, disposal declarations, tax optimisation of crypto transactions
Professionals and businesses: digital asset accounting, fiscal treatment of crypto payments received, DGFiP compliance, stablecoin management on the balance sheet
Chartered accountants: tools and support for managing crypto client files, training on new regulatory obligations

Its solutions cover the full cycle: automatic transaction import from exchanges and wallets, automated gains and losses calculation, generation of compliant tax documents, bespoke advisory for complex cases.

What the Partnership Delivers in Practice

For a Lyzi merchant working with Comptacrypto:

Lyzi payment transactions are automatically imported and qualified
Tax impacts are calculated and documented by specialist experts
The declaration is handled end to end — no crypto expertise required from the merchant
Partial stablecoin settlement can be chosen, knowing that the accounting treatment is managed

For a Comptacrypto client not yet accepting crypto:

They can activate Lyzi on their terminals or e-commerce without adding complexity to their internal management
The full chain — payment, conversion, traceability, accounting, declaration — is covered by two coordinated partners

The Regulatory Architecture That Secures the Entire Stack

Lyzi operates under dual approval: ACPR payment agent (REGAFI n°26900) and KNF-registered VASP (EU passport). Every processed transaction is subject to AML/KYC requirements — payment-side regulatory compliance is carried entirely by Lyzi.

Comptacrypto ensures fiscal and accounting compliance, in direct alignment with DGFiP obligations and the European digital asset framework.

Both compliance layers — payment and taxation — are covered. The merchant or professional manages neither.

Who Is This For?

Physical retailers running Lyzi-compatible terminals wanting to activate crypto payment with zero tax risk
E-commerce merchants integrating Lyzi at checkout and needing compliant declaration of crypto revenues
Sole traders and independent professionals receiving crypto payments subject to DGFiP obligations
Associations and NGOs accepting crypto donations via Lyzi and required to justify fund allocation