Koinly is the breadth-and-attribution pick in the US crypto-tax cohort. The 90-day Impact Network cookie is the longest publicly published cookie window in the category — no other program in our top-7 publishes longer than 30 days. Combined with the broadest exchange/wallet coverage at 1,000+ integrations, Koinly is the structurally correct recommendation for US filers with international exposure or multi-platform transaction history. The 12-month EPC lands at $2.23, ranked #8 in the cohort — middle-tier on headline economics but the attribution profile is genuinely differentiated. The catch worth surfacing up front: Koinly’s base commission ladder (20-25%) tops out below CoinLedger’s flat 25%, and the 40% top tier requires a negotiated/volume agreement that smaller affiliates will not realistically clear. Affiliate compensation is upstream of every ranking here; FintechPays earns a commission if you sign through our link, and that is disclosed in the body banner above.
Who this is actually for
Koinly is built for affiliates serving multi-jurisdiction US audiences — readers with international exchange exposure (Bitstamp from a European stint, BitFlyer from a Japan posting, a Binance.com account opened pre-restrictions). The 20+ country support and 140+ country footprint mean a US filer who needs to handle FBAR Form 114 + Form 8938 + Schedule B foreign-account reporting alongside their crypto taxes can do it in a single tool. The integration count — 1,000+ exchanges, wallets, and blockchains — is materially deeper than CoinLedger’s ~300, which matters specifically for audiences whose transaction history pre-dates the 2020-2022 exchange consolidation.
The program is wrong for two cohorts. First, single-platform Coinbase-only users — they convert structurally better on CoinTracker (the Coinbase official partner with in-app integration). Second, lifetime-revenue-maximizers who want the highest year-2+ cashflow per acquisition — CoinLedger’s 25% flat-with-no-ceiling beats Koinly’s 20% recurring-after-initial structure on a 36-month projection. Koinly’s strength is the 90-day cookie and the breadth coverage; that strength has a specific audience match.
The commission economics, decoded
Koinly’s commission ladder runs 20-25% initial commission with up to 20% recurring, scaling to a negotiated 40% top tier for high-volume partners. The 40% is real but requires meaningful volume to negotiate — small affiliates will not see it. We use 25% as the default for our 12-month projection, with the recurring uplift (year 2+) sitting outside the projection window per EPC v1 spec.
The pricing ladder runs Newbie $49, Hodler $99, Trader $179, Pro $329. Affiliate-driven conversions skew toward Hodler ($99) and Trader ($179) — Newbie is dominated by direct-search converters and Pro is dominated by professional/CPA channel. We weight to the Hodler median $99, producing 25% × $99 = $24.75 as our base_payout. The conservative call: lifetime recurring revenue at 20% post-initial would lift this on a 24+ month basis but is excluded by the 12-month cap.
The EPC formula runs cookie_decay 0.75 — this is Koinly’s structural advantage. The 90-day Impact Network cookie is published explicitly on koinly.io/affiliate and confirmed against Impact’s network listing. Per EPC spec, 90d → 0.75. attribution_factor 1.0 (Impact runs clean last-click attribution; no own-funnel competition observed). reliability_factor 1.0 (Impact Network payout infrastructure has industry-standard reliability; no documented complaints). conversion_rate_estimate 0.12 (cohort midpoint). payment_threshold_friction 1.0 (Impact’s $50 minimum is the cohort floor).
$24.75 × 0.75 × 1.0 × 1.0 × 0.12 = $2.23 of projected 12-month EPC.
The cookie advantage is real and meaningful. If we ran Koinly’s economics with a 30-day cookie (0.55 decay), the EPC would drop to $1.63 — 27% lower. The 90-day window is doing almost a third of the work. Cold-traffic creators (long-form YouTube tutorials, evergreen blog posts, podcast guest appearances) capture meaningfully more attribution depth on Koinly than on any other cohort member except possibly TaxBit (if TaxBit ever publishes their cookie length, which they have not).
Cookie window and attribution honesty
Koinly is the only program in the US crypto-tax cohort with a publicly published cookie length above 30 days. This is genuinely meaningful, and we have not seen the editorial side of the category surface it honestly. The 90-day window means a YouTube viewer who watches your Koinly review in January, screenshots the recommendation, and then converts during a March tax-season panic still attributes back to you. Across a tax-season conversion cycle that spans February through April, the 90-day cookie captures the entire decision-to-action window for most US filers.
Impact Network attribution itself is industry-standard last-click. There is no cookie-overwrite risk from Koinly’s own marketing (Koinly does run some paid search on its brand but Impact’s attribution is robust to this — a user who clicks your link, then later clicks a Koinly Google ad, still attributes to you within the cookie window). attribution_factor stays at 1.0 with confidence. The minimum payout via Impact is $50 USD with monthly cadence — not as low as CoinLedger’s $30 but cleaner USD denomination and clearer reporting infrastructure than direct-program payouts.
Payout reliability — the data, not the marketing
Koinly has been operating since 2018 with founder Robin Singh as a publicly visible spokesperson — the brand is established, the affiliate program has been running for years on Impact, and we found zero non-payment complaints in our audit (Trustpilot 4.7/5 across ~1,200 reviews — highest trust score in our cohort, r/CryptoTax thread audit, AffMaven coverage). Impact Network payout reliability is essentially unquestioned at industry scale; the same infrastructure handles affiliate payouts for hundreds of programs across multiple verticals.
The Norway HQ is a credibility nuance, not a reliability concern. For US affiliates, payouts arrive in USD via Impact’s standard infrastructure; there is no W-8 friction or FX-conversion layer that affects payout timing or completeness. For US-tax content, the Norway HQ becomes a small editorial honesty point — your audience deserves to know that Koinly is not US-incorporated, especially when you compare against US-domestic alternatives like CoinLedger or TokenTax. We surface this in our review body, not as a knock on Koinly but as a transparency point.
The integration count claim (1,000+) is verifiable — Koinly publishes a public integration directory and we spot-checked roughly 30 entries (10 US exchanges, 10 international exchanges, 10 wallets/chains) and found all live. The DeFi-protocol coverage is shallower than Summ or Awaken on the deepest end, but for mainstream US filers with multi-exchange history, Koinly’s breadth is unmatched in the cohort. reliability_factor stays at 1.0 with high confidence.
Regulator coverage and US compliance
Koinly is not a financial-regulated entity — it is a software vendor. The primary regulator we cite is the IRS, specifically Form 8949, Schedule D, Schedule 1 (other income, for staking/airdrop/interest income), and Form 1099-DA for TY2025 filings. Koinly’s product supports all of these natively.
The 1099-DA context applies to Koinly the same way it applies to CoinLedger and CoinTracker — TY2025 1099-DAs arrived with proceeds but no cost basis (for assets acquired pre-January 1 2026). Koinly’s reconciliation flow handles this — historical purchase data is pulled from the user’s connected exchanges and the cost-basis gap is filled at import. Editorial content should walk readers through the specific import flow rather than just naming the feature.
The multi-jurisdiction strength is where Koinly genuinely differentiates from CoinLedger. For US filers with foreign account exposure, FBAR Form 114 (FinCEN) and Form 8938 (FATCA) reporting kicks in at specific thresholds. Koinly’s 20+ country coverage means a single tool generates both the US-side Form 8949 and the source-country tax filings — useful for affiliates whose audience includes returning expatriates, immigrants with home-country crypto history, or dual-citizen filers.
FTC affiliate disclosure rules apply identically. Disclose the affiliate relationship prominently in body copy proximity to the call-to-action. Impact Network’s terms also require certain disclosure language; we cover that in our methodology page.
What the program does better than anyone else
Three things Koinly genuinely outperforms the cohort on. First, the 90-day Impact cookie is the longest publicly published in the category — and the only one in the top-7 that exceeds 30 days. For cold-traffic creators with long decision-to-conversion cycles, this is the single most important factor. Second, the 1,000+ integration count is the broadest exchange/wallet coverage in the cohort — Coinbase, Kraken, Gemini, Binance.US, plus the long-tail of international exchanges that US filers with international history actually need. Third, multi-jurisdiction support is structurally aligned with the increasingly cross-border reality of US crypto filers; the 20+ country coverage handles a real audience need that CoinLedger and CoinTracker do not.
Robin Singh’s continued public visibility as Koinly’s founder is a meaningful trust signal — affiliate audiences that have watched Robin’s interviews or panel appearances convert at higher rates than equivalent traffic to founder-anonymous competitors. We do not formally factor this into EPC, but it is the kind of brand-trust depth that 4.7/5 on 1,200 reviews quantifies.
Where it falls short
The base commission rate sits below CoinLedger’s flat 25%. On a like-for-like 12-month projection at the same AOV, CoinLedger pays meaningfully more — Koinly only catches up on the cookie-decay factor and only matters if your audience has the cold-traffic profile that benefits from a longer cookie. For warm-traffic creators (direct subscribers, captive newsletter audiences), CoinLedger’s higher base wins.
The Norway HQ is a small but real US-tax-credibility friction. Audiences asking “is this US-domestic?” deserve a direct answer; the honest answer is “no, but the product handles US filings correctly.” Editorial reviewers who avoid the question lose credibility.
The 40% top tier is publicly advertised but realistically out of reach for affiliates without significant volume to negotiate against. The 25% default is what most affiliates actually receive, and we have modeled accordingly.
Verdict
Promote Koinly to audiences with multi-platform transaction history, international exchange exposure, or cold-traffic content patterns where the 90-day cookie does its work. The $2.23 EPC ranks #8 in our cohort but the attribution profile is genuinely the cleanest in the category for the right audience match. Do not lead with Koinly for single-platform Coinbase-only audiences (route to CoinTracker) or for warm-traffic lifetime-revenue-maximizers (route to CoinLedger). The honest framing: Koinly is the second-best pick for almost every audience, and the best pick for the specific cohort of multi-jurisdiction US filers — that is exactly the audience that pays affiliate-content creators well over the long run.
Editor’s notes
base_payout $24.75 reflects 25% × $99 Hodler median. The 90-day Impact cookie produces cookie_decay 0.75 per spec table — the cohort’s structural attribution advantage. attribution_factor 1.0 (Impact clean last-click). reliability_factor 1.0 (Impact infrastructure + no documented complaints). The 40% top tier requires negotiated/volume agreement and is excluded from the default base. Norway HQ is disclosure-relevant for US-tax-credibility positioning, not a reliability concern. Fact-check: 90-day cookie, Impact Network attribution, 20-25% ladder confirmed against koinly.io/affiliate as of 2026-05-14.