B2BINPAY Review
6.5/10Crypto gateway from the B2Broker forex group: published 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
350+ assets, USDT/USDC on multiple chains, and a real USD/EUR exit, held down by a crypto-only intake and a fiat leg that stops at two settlement currencies.
The El Salvador CNAD entry and four Mauritius FSC licenses are real, but there is zero US, UK, or EU authorization and the Italian MiCA application went unresolved past the 2026-07-01 cutoff.
REST API with a sandbox, hosted pages, and a payment button cover the standard shapes, with no casino-platform connector list and only a Praxis homepage logo tying it to gambling cashiers.
Instant crypto settlement, T+1 to fiat, 0% outgoing, and an explicit No Rolling Reserve policy, set against a €5,000 minimum fiat withdrawal and undisclosed banking partners.
Nine years inside a 12-year group, but the $5.1B headline is cumulative since 2017 and not one gambling client is named.
A complete public fee schedule from 0.25% to 0.50% with tiered WaaS rates and no setup or monthly fees, docked because the volume-tier period is never defined.
Methodology. Our own score, a weighted average of six dimensions, tilted toward licensing and trust. Crypto-gateway weighting loads 0.26 onto compliance, exactly where B2BINPAY is weakest for a Western buyer, so even a segment-best 8.0 for its published rate card cannot lift the blend past 6.5 once El Salvador plus Mauritius is weighed against the missing MiCA. Read the full methodology
- The fee schedule is fully public: coins 0.40% sliding to 0.25% and stablecoins 0.50% to 0.35% incoming, 0% outgoing, WaaS at 0.050% to 0.025%, and a 0.50% SEPA/SWIFT off-ramp (Jul 2026), transparency most of this segment refuses.
- Licenses with numbers and dates: El Salvador CNAD entry PSAD-0064 (inscribed Oct 20, 2025), the BCR Bitcoin Service Provider authorization (Apr 2025), and four Mauritius FSC licenses, VASP plus classes M, O, and R, all dated Apr 24, 2026.
- The fiat leg is published where rivals hide it: settle to USD or EUR at T+1, withdrawals at 0.50%, plus an explicit No Rolling Reserve policy and free outgoing crypto.
- A 12-year group (B2Broker, founded 2014, roughly 500 staff) stands behind it, gambling is explicitly welcomed in the Terms' "Who we serve" list, and the stack runs past simple processing into swaps, custody, and wallet-as-a-service.
- No MiCA authorization anywhere after the 2026-07-01 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 (June 2026), with the casino page separately listing the USA as unavailable, which makes this an offshore-only tool.
- Zero named gambling clients, no casino case studies, and no SiGMA or SBC footprint: the iGaming pages sit on a forex-DNA processor, and a Praxis homepage logo is the only visible link to casino cashier stacks.
- The scale is modest for the segment: $5.1B is cumulative incoming volume since 2017, against CoinsPaid's €9.1B for 2024 alone, and the pricing page never defines whether volume tiers reset monthly or accumulate.
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 modelable public pricing, 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 with named casino references and an iGaming event footprint.
Markets & licensing
B2BINPAY's licensing sits in two crypto-friendly jurisdictions. El Salvador carries CNAD entry PSAD-0064, B2BINPAY El Salvador, S.A. de C.V., 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 company's own Terms say it does not market to any of the three.
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 casino page is blunter and simply lists the United States among jurisdictions where services are unavailable. There are no money-transmitter licenses and no state gaming-vendor registrations. Nothing US-facing should touch this gateway.
The UK gets the same treatment as the US in the Terms: services only under a financial-promotion exemption, no marketing, no active offering. There is no FCA registration of any kind behind it. A UKGC-licensed operator has no compliant route here, and the practical meaning is uniform across the US, UK, and EU: not licensed in, and not soliciting, any of the three.
- 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 2025-10-20
- El Salvador (BCR) PSBEl Salvador
- Bitcoin Service Provider authorization, supervised by SSF and CNAD · Authorized 2025-04-11
- 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 2026-04-24: 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 2026-07-01 cutoff
Licensing tier: Grade this stack for what it is: genuine crypto licensing in jurisdictions that carry little weight with Western counterparties. CoinGate holds a Bank of Lithuania CASP 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.
Not disclosed.
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, without any list of regulated markets.
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. The casino page separately lists the USA as unavailable.
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 one gambling-side path is Praxis, whose orchestrator logo appears among homepage partners.
No concrete figure is published. Merchants "begin receiving payments quickly" is the stated pace, and KYB time is not disclosed.
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 a public volume-tiered schedule with free outgoing transfers and an explicit no-rolling-reserve policy.
- 350+ digital assets (Jul 2026)
- 17 blockchains, from BTC and ETH to TRON, SOL, TON, Base, and Optimism
- USDT and USDC multi-chain, pitched at gambling operators as the volatility hedge
- 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, with no screening vendor named
Wallet-as-a-Service & white-label wallets
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 enterprise-grade access controls
- Custody sits under licensed activity: Mauritius FSC Class R plus the El Salvador CNAD authorization
Fiat off-ramp & treasury
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
Payment API, hosted pages & button
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 Praxis as the only visible route into casino cashier stacks.
- 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, with no methodology or product detail published
- Praxis logo among homepage partners, the single gambling-side distribution signal
The history
Sales decks get rewritten for every deal. A dated record doesn't.
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 visible hub, the event calendar runs through Finance Magnates London and crypto expos, with SiGMA and SBC nowhere on it, and the 2025-2026 licensing push (El Salvador PSB in April 2025, CNAD in October 2025, Mauritius FSC in May 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
No two vendors describe themselves the same way, which makes their own claims hard to line up. Every name here answers the same fields, so you can see where this one sits against the closest alternatives.
| Attribute | B2BINPAY | CoinsPaid | CoinGate | Confirmo |
|---|---|---|---|---|
| Founded | 2017 | 2014 | 2014 | 2014 |
| Team | 500+ | 200+ | 50+ | — |
| US market | Restricted | Restricted | Restricted | Restricted |
| Pricing | Public | Public | Public | Not published |
| 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 (Jul 2026) | Weekly on Standard, weekly or on-request on Enterprise | Bank-account settlements that can be fully automated and recurring, with near-instant crypto settlement (Dec 2025) |
| Instant payouts | Yes | Yes | — | — |
The take: CoinsPaid is the gambling-native pick with far bigger volume (€9.1B for 2024 alone against B2BINPAY's $5.1B lifetime figure), while CoinGate and Confirmo hold actual EU CASP authorizations from Lithuania and Ireland, making either the default for an EEA-licensed operator. B2BINPAY's counters are published pricing, on-the-record USD/EUR off-ramp terms, and wallet infrastructure. Pick it when your license is offshore, your traffic never touches the US, UK, or EEA, and you want the whole crypto treasury on one invoice.
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, with the tier period never defined (Jul 2026).
The rate card is public and complete: processing at 0.25-0.50% incoming by volume tier, 0% outgoing, WaaS at 0.025-0.050%, a 0.50% fiat off-ramp with a €5,000 minimum withdrawal, no setup or monthly fees, and an explicit no-rolling-reserve policy. Two things are missing: the volume-tier period (monthly or lifetime is never said) and any word on contract length or lock-in (all Jul 2026).
The deal
Money movement
Onboarding path
- 1Price the flow from the public fee page 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 in the Terms (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, with the vendor's 24/7 support behind it
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.
Frequently asked
The things operators actually ask before signing.
Can EU, UK, or US operators use B2BINPAY?+
No, and the vendor's own paperwork says so. The Terms of Use (updated June 26, 2026) state that B2BINPAY El Salvador serves US, UK, and EU customers only where a financial-promotion exemption applies, and that it does not market, promote, or actively offer services in any of the three. The casino page goes further and simply lists the United States among jurisdictions where services are unavailable. With no FCA registration, no MiCA authorization, and no US money-transmitter footprint, an operator licensed in any of these markets has nothing to build on here.
Is B2BINPAY authorized under MiCA?+
No. Its one EU thread was B2BINPAY ITALY S.R.L., an OAM-registered virtual-currency operator in Rome with a CASP application filed under MiCA. Italy's transitional regime ended July 1, 2026 with no B2BINPAY authorization granted, and the Italian entity no longer appears in the company's current legal documents. The practical answer for an EEA-licensed operator is that no MiCA coverage exists.
What does B2BINPAY actually charge?+
The fee schedule is public. Incoming coin payments cost 0.40% under $1M in volume, sliding to 0.25% above $5M, while stablecoins and tokens run 0.50% down to 0.35%. Outgoing crypto is free apart from per-chain minimums ($0.02 on Solana up to $2.00 on ERC-20 and TRON payouts). Wallet-as-a-Service charges nothing incoming and 0.050% outgoing, dropping to 0.025% past $20M. No setup fee, monthly fee, or rolling reserve is listed. One gap remains: the page never says whether volume tiers reset monthly or accumulate (all figures July 2026).
Does B2BINPAY settle to fiat?+
Yes, and the terms are published. Merchants can accept crypto and settle to USD or EUR at T+1, with incoming fiat free and withdrawals at 0.50% via SEPA (minimum €10) or SWIFT (minimum €20). The catch is the €5,000 minimum fiat withdrawal, which makes the off-ramp a treasury tool for batched settlement runs rather than a way to sweep small balances (July 2026).
Who owns B2BINPAY?+
The B2Broker group, founded in 2014 by Arthur Azizov and Evgeniya Mykulyak as a brokerage-technology vendor selling liquidity, trading platforms, and CRM to forex brokers. B2BINPAY launched in 2017 as the group's crypto payment arm and stays privately held, with no outside funding rounds at all. Azizov signs the 2025-2026 license announcements as CEO of B2BINPAY, and no separate management team is published. The forex DNA matters for buyers: the back office is built to broker-infrastructure standards, and the event calendar runs through Finance Magnates shows, skipping SiGMA and SBC.
Does B2BINPAY accept gambling businesses, and can it show casino references?+
It accepts them openly: Gambling and Online Games sit in the Terms' "Who we serve" list, dedicated casino and gaming pages pitch stablecoin settlement and no-chargeback flows, and onboarding runs risk-based KYB per client. References are another matter. Not a single casino client is named, there are no gambling case studies, and the company has no visible SiGMA or SBC presence, so plan your own reference checks.