B2BinPay

B2BinPay is a cryptocurrency payment gateway that enables businesses to accept, store, exchange, and send digital assets without relying on traditional banking rails. Launched in 2017 as the payment processing arm of B2Broker Group, the platform serves exchanges, brokers, gaming operators, e-commerce merchants, and financial institutions that need multi-chain crypto payment infrastructure at scale.

Company Background

B2Broker Group was founded in 2014 by Arthur Azizov, a fintech entrepreneur who began his career operating payment terminals before transitioning to professional trading across FX, futures, and equities. Azizov holds an MBA in Finance and Management and has completed advanced coursework at MIT, and serves as both CEO and de facto CTO of the group, having personally overseen the development of the cloud-native infrastructure underpinning B2Broker's liquidity and technology products and B2BinPay's payment rails. The group now encompasses over 1,000 corporate clients and more than 330 professionals across multiple financial technology products. B2BinPay operates through regulated subsidiaries in El Salvador and Mauritius.

Core Product: Custodial Payment Gateway

B2BinPay's primary offering is a custodial API gateway that handles the full crypto payment lifecycle: address generation, payment monitoring, fund consolidation, fiat settlement, and payout routing. Each incoming payment is assigned a unique deposit address, allowing merchants to attribute payments to specific customers or orders without manual reconciliation. Funds received across multiple wallets are automatically swept into consolidated accounts, reducing operational overhead.

Merchants connect via a REST API or the web dashboard, integrating B2BinPay into checkout flows, brokerage deposit systems, or back-office treasury workflows. A sandbox environment mirrors production behavior for integration testing. Outgoing payments carry no separate percentage fee; merchants pay only on incoming volume. Fiat settlement via SWIFT and SEPA is available for businesses that prefer to convert crypto receipts to USD or EUR.

The gateway supports 350+ digital assets across more than 10 blockchains, including Bitcoin, Ethereum, Solana, BNB Smart Chain, Tron, Polygon, Avalanche, and Optimism. USDT and USDC are supported natively on multiple networks, including their Solana variants.

Solana Support

B2BinPay's custodial layer supports three Solana-based assets: SOL (native), USDT on Solana (USDT-SOL), and USDC on Solana (USDC-SOL). Businesses with Solana-native customer bases can accept payments in the network's principal assets while managing their full multi-chain activity through the same unified dashboard and API. Solana's sub-second finality reduces confirmation windows compared to proof-of-work chains, and its low per-transaction fee structure makes smaller-value payment flows economically viable through the platform.

Pricing

B2BinPay operates two principal pricing tiers. The Merchant tier is designed for businesses accepting crypto payments: incoming transactions carry a fee of 0.25% to 0.40% depending on monthly volume, and outgoing transfers incur no additional percentage charge. The Wallet-as-a-Service (WaaS) Enterprise tier serves platforms managing crypto wallets on behalf of their own user bases: outgoing transactions are priced at 0.025% to 0.050% based on volume, reflecting the wholesale scale at which WaaS operators typically function.

Wallet-as-a-Service and White Label

The WaaS product allows exchanges, neobanks, gaming platforms, and licensed financial operators to embed custodial wallet infrastructure directly into their products. B2BinPay manages the underlying custody, address generation, gas fee optimization — the platform claims approximately 48% gas fee reduction through batched transaction processing — and staking for supported assets including TRX. WaaS operators retain control over the user experience while B2BinPay handles the blockchain layer.

B2BinPay also offers a White Label configuration for institutions that require a fully branded crypto payment product. This is aimed at licensed EMIs and exchanges that need to deliver crypto payment processing under their own brand, without building custody infrastructure from scratch. The white-label product received the Best White Label Solution award at the FMLS:25 London conference in 2025.

DeFi App: Non-Custodial Product

In February 2026, B2BinPay launched B2BinPay DeFi, a non-custodial crypto payment processing product for crypto-native businesses that require full on-chain control and transparency. Unlike the custodial gateway, the DeFi App deploys smart-contract accounts on EVM-compatible networks and Tron. Users authenticate via wallet-signature verification rather than passwords, and private keys are never stored by B2BinPay. All critical operations — payouts, configuration changes, fund sweeps — require multiple signatures before execution, enforced by the underlying multisig governance framework.

The DeFi App supports single-currency and multi-currency invoice generation, with automatically created on-chain deposit addresses per invoice. Collected funds are aggregated in batches with full on-chain logging for auditability, and a payout approval queue ensures no funds move without team authorization. An API provides backend integration for automated workflows. Core functionality, including invoicing, fund collection, and approvals, is available at no charge subject to rate limits; API-heavy usage is metered by request type. At launch the DeFi App operates across EVM chains and Tron; Solana is not listed as a supported network for the non-custodial product.

Security and Compliance

B2BinPay's custodial platform integrates Crystal and Chainalysis as dual KYT (Know Your Transaction) providers, applying real-time risk scoring to every transaction and automatically blocking high-risk addresses before settlement. For FATF Travel Rule compliance, the platform uses Notabene, enabling VASPs transacting through B2BinPay to exchange originator and beneficiary data on transfers that exceed the regulatory threshold. Businesses can additionally layer their own AML provider on top of B2BinPay's internal checks via a dual-layer external AML verification feature introduced in January 2025.

Access controls include two-factor authentication, IP address whitelisting, device binding, and granular role-based permission management that restricts which accounts can view, move, or approve funds at the wallet or asset level. Comprehensive audit logging is maintained across all approvals and configuration changes.

Regulatory Licenses

B2BinPay operates through two licensed entities. In El Salvador, the company holds a Digital Asset Service Provider license (PSAD-0064) under the supervision of the CNAD and SSF. In Mauritius, B2BinPay is authorized by the Financial Services Commission (FSC) as a Virtual Asset Service Provider (registration GB24203002). These licenses support operations across jurisdictions that recognize El Salvador and Mauritius VASP authorizations. B2BinPay does not currently hold EU MiCA CASP authorization, as the EU transitional period closed in July 2026.

Scale

As of mid-2025, B2BinPay reported over $5.1 billion in cumulative incoming transactions across more than 6.7 million completed transactions, with over 983 active business customers. The B2Broker Group's broader client base across all products exceeds 1,000 corporate clients.