B2BinPay

B2BinPay is a business-focused cryptocurrency payment gateway that lets merchants and financial services companies accept crypto from customers and settle transactions in digital assets or fiat currency. Founded in 2014 and led by CEO Arthur Azizov, the platform has processed more than $5.1 billion across approximately 6.7 million transactions for a client base of roughly 983 businesses as of 2025.

What It Does

B2BinPay abstracts the complexity of on-chain transactions behind a managed infrastructure layer. When a customer initiates a payment, the platform generates a unique deposit address, monitors the blockchain for confirmation, and consolidates received funds into the merchant's account. Merchants can then elect to hold the funds in the received asset, exchange them into another cryptocurrency, or convert to fiat — all within the same interface. Outgoing payment flows (payouts, payroll, withdrawals) are handled through a separate Wallet as a Service (WaaS) product.

The platform targets a broad swath of business categories: e-commerce merchants, forex and CFD brokers, cryptocurrency exchanges, online gambling operators, gaming studios, real estate platforms, travel companies, and mobile wallet providers. Its pricing model avoids rolling reserves, a common friction point with traditional payment processors that hold back a percentage of merchant revenue as a risk buffer.

Product Lines and Pricing

B2BinPay operates two distinct product lines with volume-tiered pricing:

Crypto Payment Processing (incoming transactions): Fees range from 0.25% to 0.40% of transaction volume, declining as monthly volume increases. This is the merchant-facing gateway product.

Wallet as a Service (outgoing transactions): Fees range from 0.025% to 0.050%, with no charge on incoming flows. This product targets platforms that need to send cryptocurrency in bulk — exchanges paying out withdrawals, payroll platforms distributing in crypto, or financial services companies running treasury operations.

Three account tiers — Enterprise, Merchant Fiat, and Merchant Crypto — accommodate different business models with corresponding feature sets and volume thresholds.

Solana Integration

B2BinPay added Solana network support in v21, released September 26, 2024. The integration covers three assets: the native SOL token, USDT on Solana (USDT-SOL), and USDC on Solana (USDC-SOL). The addition brought B2BinPay's total supported networks for USDT to 9 and for USDC to 10.

The Solana integration was motivated primarily by cost and throughput advantages. According to B2BinPay's own analysis at the time of the v21 release, the average Solana transaction fee was approximately $0.00189, compared to roughly $1.70 on Ethereum — making Solana around 900 times more cost-efficient for stablecoin transfers. Solana's on-chain liquidity also supported the decision: Solana-native USDT supply stood at approximately $1.8 billion and USDC at $2.5 billion at the time of integration.

For merchants, the Solana option means stablecoin payment processing at a fraction of the cost of comparable flows on TRON or Ethereum. The platform workflow for Solana payments follows the standard B2BinPay pattern: account registration, wallet setup within the dashboard, API key generation, sandbox testing, and live deployment.

DeFi App (2026)

In February 2026, B2BinPay launched a separate DeFi App product aimed at crypto-native businesses that want full on-chain control rather than the custodial model of the core gateway. The DeFi App is a non-custodial, multisignature crypto processing solution that keeps funds under the merchant's direct control throughout the payment lifecycle. This product targets platforms that require on-chain transparency and cannot operate with a custodial intermediary holding assets between settlement cycles.

Platform Features

Beyond the core payment flow, B2BinPay provides:

• Real-time transaction monitoring through a web dashboard with full transaction history and reporting
• Instant cryptocurrency swap functionality for converting between assets within the account (added in v19, February 2024)
• Smart contract functionality added in v25 (January 2026)
• Low-balance alerts and automatic callback resyncing (v26.2.4, July 2026)
• Enterprise access control systems for managing operator permissions within a payment operation (v26.1, June 2026)

Security and Compliance

The platform employs KYT (Know-Your-Transaction) compliance tooling, which screens incoming payments against blockchain risk scores to flag funds linked to sanctioned addresses or illicit activity. Additional security layers include two-factor authentication, address whitelisting, blockchain risk scoring, DDoS protection, and regular third-party security audits. AML and KYC protocols are embedded in the onboarding and transaction flow for regulated clients.

On the regulatory front, B2BinPay holds a Bitcoin Service Provider license and a CNAD Digital Asset Service Provider authorization (PSAD-0064) from El Salvador, secured in October 2025. The platform is also regulated in Mauritius.

Solana Ecosystem Fit

B2BinPay's Solana integration positions it as a payment infrastructure layer for businesses that want to accept stablecoins on one of the lowest-cost settlement rails available. Solana's throughput — thousands of transactions per second with average fees well under a cent — makes it particularly suitable for high-volume e-commerce and gaming applications where per-transaction overhead directly affects unit economics. The DeFi App extends this to non-custodial use cases, giving crypto-native platforms that operate on Solana a processing option that keeps assets on-chain without routing through a centralized custody intermediary.