B2BINPAY Review
6.5/10Crypto gateway from the B2Broker forex group: 0.25-0.50% fees, 350+ assets, a T+1 USD/EUR off-ramp, El Salvador and Mauritius licenses, and no route into the US, UK, or EU.
Our read
- Volume-tiered fees run coins 0.40% down to 0.25% and stablecoins 0.50% down to 0.35% incoming, 0% outgoing, with WaaS at 0.050% down to 0.025%.
- El Salvador CNAD entry PSAD-0064, inscribed October 20, 2025, the BCR Bitcoin Service Provider authorization from April 11, 2025, and four Mauritius FSC licenses, VASP plus classes M, O, and R, all dated April 24, 2026.
- The fiat leg settles to USD or EUR at T+1, withdrawals run 0.50% via SEPA or SWIFT, and there is no rolling reserve.
- A 12-year group (B2Broker, founded 2014, roughly 500 staff) stands behind it, gambling is an accepted vertical in the Terms, and the stack runs past processing into swaps, custody, and wallet-as-a-service.
- No MiCA authorization anywhere after the July 1, 2026 cutoff: the Italian entity's CASP application went unresolved, closing the EEA outright.
- The US, UK, and EU all sit under do-not-market exemption language in the Terms updated June 2026, which makes this an offshore-only tool.
- The gambling vertical runs on a processor built for forex brokers.
Offshore-licensed (Curacao, Anjouan, Costa Rica) casinos and sportsbooks outside the US, UK, and EEA that want crypto acceptance with a T+1 USD/EUR off-ramp and volume-tiered fees from 0.25% to 0.50%, platforms embedding white-label wallets, and forex-adjacent operators already inside the B2Broker orbit.
UKGC-, MGA-, or any EEA-licensed operator (no MiCA, and the EU sits in the Terms' do-not-market language), anything US-facing, and teams that want a gambling-native processor.
Markets & licensing
B2BINPAY's licensing sits in two crypto-friendly jurisdictions. El Salvador carries CNAD entry PSAD-0064, inscribed October 20, 2025 and authorized for exchange, transfer, and custody of digital assets, plus a central-bank Bitcoin Service Provider authorization from April 11, 2025. Mauritius adds four FSC licenses for B2binpay Mauritius LTD, all dated April 24, 2026: VASP VA-1.0, Broker-Dealer Class M, Wallet Class O, and Custodian Class R. What does not exist is any US, UK, or EU authorization, and the Terms place all three under do-not-market language.
The Terms of Use, updated June 26, 2026, restrict US business to customers falling within a financial-promotion exemption and state that B2BINPAY does not market, promote, or actively offer services in the US.
The Terms give the UK the same treatment as the US: services only under a financial-promotion exemption, no marketing, no active offering. There is no FCA registration behind it, so a UKGC-licensed operator has no compliant route here.
- El Salvador (CNAD)El Salvador
- Digital asset service provider: exchange, transfer, and custody of digital assets · PSAD-0064 · B2BINPAY El Salvador, S.A. de C.V. · inscribed October 20, 2025
- El Salvador (BCR) PSBEl Salvador
- Bitcoin Service Provider authorization, supervised by SSF and CNAD · Authorized April 11, 2025
- Mauritius (FSC) VASPMauritius
- Class M broker-dealer, Class O wallet services, Class R custodian under the VAITOS Act 2021 · B2binpay Mauritius LTD · four licenses dated April 24, 2026: VA-1.0, VA-1.1, VA-1.2, VA-1.3
- Italy (OAM), unresolvedItaly
- Virtual-currency operator registration (Art. 17-bis), with a MiCA CASP application in progress · Registry code 17196191005 · B2BINPAY ITALY S.R.L. · MiCA CASP application unresolved past the July 1, 2026 cutoff
Licensing tier: Crypto licensing in jurisdictions that carry little weight with Western counterparties. CoinGate holds a Bank of Lithuania MiCA CASP authorization and Confirmo one from the Central Bank of Ireland, and next to those, El Salvador plus Mauritius covers custody and transfer activity without opening a single regulated Western market.
—
License geography is El Salvador and Mauritius. Client geography is wherever risk-based KYB says yes, which in practice means offshore-licensed operators across LatAm, CIS, Asia, and MENA.
The Terms hard-prohibit a 16-entry sanctions list (Afghanistan through Yemen, plus occupied Ukrainian regions) and put the US, UK, and EU under do-not-market exemption language.
Methods & rails
What you can reach
Payout rails
Processing features
Integrations & engineering
One contract and one API instead of a separate deal per studio, feed, or PSP. Here's what connects, how fast, and on what stack.
One REST integration, or a hosted payment page or payment button for lighter setups, connects a merchant to custodial crypto accounts covering the 350+ assets. Incoming payments settle instantly to the merchant account, where funds can sit, swap crypto-to-crypto or crypto-to-fiat, move off-chain between B2BINPAY accounts, or exit to a bank in USD or EUR at T+1. The same infrastructure resells as Wallet-as-a-Service and white-label wallets for platforms embedding crypto under their own brand, with security controls (2FA, address whitelists, role-based rights, wallet thresholds) extended by version 26.1's access controls in 2026. There is no casino-platform connector catalog. The gambling-side partnership is Praxis.
Products & tools
Everything runs on one account stack: the processing gateway takes crypto in, the wallet infrastructure white-labels the same rails for platforms, and the treasury layer swaps, holds, or exits to USD and EUR through SEPA and SWIFT.
Crypto payment processing
Incoming crypto acceptance across 350+ assets, settling instantly to custodial merchant accounts, priced on volume tiers with free outgoing transfers and no rolling reserve.
- 350+ digital assets
- 17 blockchains, from BTC and ETH to TRON, SOL, TON, Base, and Optimism
- USDT and USDC settlement across multiple chains
- Incoming fees tier from 0.40% down to 0.25% for coins and 0.50% down to 0.35% for stablecoins and tokens, outgoing at 0.00%
- No chargebacks by blockchain finality, and a flat no-rolling-reserve policy
- KYT screening on every transaction
Wallet-as-a-Service
B2B wallet infrastructure sold as a product: platforms embed custodial wallets under their own brand, priced at 0.050% on outgoing volume sliding to 0.025% past $20M, with incoming free.
- Embedded and fully branded wallet deployments for platforms
- Outgoing fees from 0.050% ($0-1M) down to 0.025% ($20M+), incoming at 0.00%
- 2FA, address whitelists, role-based user rights, and per-wallet thresholds
- Version 26.1 (2026) added access controls
- Custody sits under licensed activity: Mauritius FSC Class R plus the El Salvador CNAD authorization
Fiat off-ramp
The accept-crypto-settle-to-fiat leg: USD and EUR bank operations at T+1, withdrawals at 0.50% via SEPA or SWIFT with a €5,000 minimum, plus in-platform swaps and off-chain transfers between B2BINPAY accounts.
- Fiat settlement in USD and EUR at T+1, crypto settlement immediate
- SEPA withdrawals 0.50% (min €10), SWIFT withdrawals 0.50% (min €20)
- €5,000 minimum fiat withdrawal, incoming USD/EUR free
- Crypto-to-crypto and crypto-to-fiat swaps inside the platform
- Off-chain transfers between B2BINPAY accounts, plus staking
Integration
A REST API with a sandbox environment, hosted payment pages, and a payment button, plus a low-latency crypto API aimed at trading operations, with a Praxis partnership on the cashier side.
- REST payment API with a sandbox testing environment
- Hosted payment pages and a payment button for lighter integrations
- Low-latency crypto API for trading operations, a carry-over from the group's liquidity business
- AI-driven fraud detection
The history
Longevity in this industry usually comes with a change of owner somewhere in it.
B2BINPAY launched in 2017 as the crypto payment arm of B2Broker, the brokerage-technology group Arthur Azizov and Evgeniya Mykulyak founded in 2014 to sell liquidity, MT4/MT5 white labels, and CRM to forex brokers. That heritage still shapes everything: the group counts roughly 500 staff across 10 offices with Dubai as the hub, the event calendar runs through Finance Magnates London and crypto expos, and the 2025-2026 licensing push (El Salvador PSB in April 2025, CNAD in October 2025, Mauritius FSC in April 2026) planted flags in crypto-friendly jurisdictions instead of the EU.
Corporate
Leadership
Milestones
- 2014
Arthur Azizov and Evgeniya Mykulyak found B2Broker, selling liquidity, trading platforms, and CRM to forex brokers.
- 2017
B2BINPAY launches as the group's crypto deposit and payout layer, initially for its brokerage client base.
- 2023
Best Crypto Payment Service won at Crypto Expo Dubai.
- 2025
El Salvador arrives in two steps: the central bank's Bitcoin Service Provider authorization (April 11) and CNAD digital-asset entry PSAD-0064 for B2BINPAY El Salvador, S.A. de C.V. (inscribed October 20).
- 2026
Mauritius FSC licenses B2binpay Mauritius LTD across four classes, VASP plus M, O, and R (all dated April 24, announced May 13). The Terms updated June 26 keep the US, UK, and EU on the do-not-market list as Italy's MiCA transition closes July 1 with no B2BINPAY authorization.
Where they're pushing next
- LatAm, anchored by the El Salvador licenses
- Africa and the Indian Ocean via the Mauritius VASP license
- MENA from the Dubai group hub
- Gambling, e-commerce, and adult verticals marketed alongside the forex heritage base
Awards & recognition
Longevity and ownership
Switching vendors is expensive, which makes the company's staying power part of the purchase. What the contract says about your data decides how expensive an exit gets.
B2BINPAY vs alternatives
Most buyers in this market shortlist three or four vendors long before they take a single sales call.
| Attribute | B2BINPAY | CoinsPaid | CoinGate | Confirmo |
|---|---|---|---|---|
| Founded | 2017 | 2014 | 2014 | 2014 |
| Team | 500+ | 200+ | 50+ | — |
| US market | Restricted | Restricted | Restricted | Restricted |
| Pricing | Public | Public | Public | — |
| Currencies | 2+ | 40+ | 3+ | — |
| Coins | 350+ | 20+ | 20+ | 10+ |
| EMI / PI licenses | — | — | Lithuania | Ireland |
| Settlement | Instant to merchant crypto accounts, T+1 for fiat (USD/EUR) | Near-instant crypto-to-fiat at a rate locked when the payment is made | Weekly on Standard, weekly or on-request on Enterprise | Bank-account settlements that can be fully automated and recurring, with near-instant crypto settlement |
| Instant payouts | Yes | Yes | — | — |
Settlement & commercials
B2BINPAY publishes pricing. Those figures are below, and final terms still land in the contract.
Volume-tiered processing on incoming transactions: coins 0.40% under $1M sliding to 0.25% above $5M, stablecoins and tokens 0.50% to 0.35%, outgoing 0.00%. Wallet-as-a-Service inverts it: incoming free, outgoing 0.050% sliding to 0.025% above $20M. Tiers are calculated on deposits in US dollars at confirmation time.
The deal
Money movement
Onboarding path
- 1Price the flow first: 0.40-0.25% coins or 0.50-0.35% stablecoins incoming, 0% outgoing, 0.50% to fiat
- 2Contact sales and pass risk-based KYB with B2BINPAY El Salvador, S.A. de C.V., the contracting entity (gambling is an accepted category)
- 3Test against the sandbox and choose the integration depth: REST API, hosted payment page, or payment button
- 4Configure the account stack: currencies and chains, address whitelists, user roles, wallet thresholds, and 2FA
- 5Set the settlement policy: hold crypto, convert to stablecoins, or route to the USD/EUR off-ramp (T+1, €5,000 minimum withdrawal)
- 6Go live and reconcile through merchant-account reporting
Support & account management
You can't demo service before you sign, so what a vendor puts in writing is the only floor you can hold it to.