What Coins.ph does

Coins.ph (legally Betur, Inc. and DCpay Philippines, Inc.) is a BSP-regulated crypto and digital financial services super app based in Pasig, Philippines, founded in January 2014. It serves Filipino consumers, overseas Filipino workers, crypto traders, and 2,000+ verified business clients by combining an e-wallet (QR Ph payments at 700,000+ merchants, 120+ billers, mobile load) with a cryptocurrency exchange covering 170+ assets and professional trading via Coins Pro. The company was the first crypto-based firm in Asia to hold both Virtual Currency and Electronic Money Issuer licenses from the Bangko Sentral ng Pilipinas, and now holds 26 approved and in-progress licenses including in-principle VASP approval for cross-border services.

The platform integrates national payment rails (InstaPay, PESONet, QR Ph) with blockchain networks (Ethereum, TRC-20, Solana) and supports a multi-currency wallet spanning PHP, USDT, USDC, and 170+ tokens. It pioneered stablecoin-to-QR Ph integration covering USDT, USDC, BTC, and ETH at retail merchants, and is testing a peso-backed stablecoin (PHPC) within the BSP sandbox. Revenue is generated through multiple transaction-based streams: maker/taker fees on spot trading (0.03%–0.15%), QR Ph merchant fees (1.2%), WebPay acceptance (1.0%), fiat disbursement fees (PHP 5–10 per transaction), institutional OTC/FX spread via TradeDesk, crypto withdrawal fees, and stablecoin remittance fees (0–1%) positioned against traditional 3–5% remittance costs. Distribution combines a self-serve mobile-first super app, an API suite for business integrations (QR Ph, WebPay, Virtual Accounts, Disbursements, Exchange APIs, On/Off Ramp), and B2B2C corridors through Circle Payments Network, Veem, BCRemit, HashKey Exchange, Clear Junction, and FinFan.

The user base of 16M+ registered users, 7M monthly actives, and 300+ employees supports a self-serve PLG consumer motion alongside a dedicated enterprise field sales team and developer-first API channel. International web presences in Thailand, Australia, and Brazil signal an explicit global expansion posture, with the Philippines remaining the primary regulated market.

Name

Coins.ph

Legal name

Betur, Inc. and DCpay Philippines, Inc.

Website

https://coins.ph

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

251–500 employees

Short description

Coins.ph is a BSP-regulated Philippines-based super app combining an e-wallet (QR Ph, bills, remittance) with a cryptocurrency exchange serving 16M+ users and 2,000+ businesses. Founded 2014, it is Asia's first crypto platform with both Virtual Currency and Electronic Money Issuer central bank licenses.

Ownership category

akta.pro rank

Product category

Digital Payments and Cryptocurrency Exchange

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Crypto Merchant Acquirers & PSPs (Payment Service Providers) (FSADAIAB)

akta.pro secondary industries

General-Purpose Digital Wallets (P2P + Merchant) (FSAMAEAA), On/Off-Ramp Providers (Fiat↔Crypto) & Cash-In/Cash-Out Networks (FSADAIAE), Crypto Payment Gateways & Checkout APIs (FSADAIAA), QR Code Payments Wallets (FSAMAEAC), B2B Crypto Payouts, Mass Payments & Treasury Disbursements (FSADAIAF)

Keywords

• Cryptocurrency exchange
• Digital wallet payments
• Cross-border remittance
• QR Ph merchant acquiring
• Stablecoin payments

Headquarters

HQ city

Pasig

HQ country

Philippines

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Crypto Trading Fees (Spot): Coins.ph earns trading fees on crypto spot market transactions. Maker/taker fee tiers range from 0.03%/0.05% (for high-volume traders with >PHP 5B in 30-day volume) to 0.10%/0.15% (for traders with <PHP 500K in volume). Professional exchange product Coins Pro offers lower fees for unlimited trading with deeper order book liquidity. Coins Pro uses maker/taker model across 10 volume tiers.
2. Payment Processing (QR Ph & WebPay): Coins.ph Business charges merchants a percentage fee on each QR Ph (P2M) and WebPay transaction. QR Ph standard rate: 1.2% per transaction. WebPay (Coins wallet acceptance): 1.0% per successful transaction. This applies to the business/corporate segment using Coins.ph for merchant acquiring.
3. Disbursement and Fiat Settlement: Coins.ph Business charges flat fees for peso disbursements to bank accounts and e-wallets. PESONet (batch processing): PHP 5 per transaction. InstaPay (instant settlement): PHP 10 per transaction. Over-the-counter remittance partner disbursements: PHP 105 for <=PHP 10,000; 1.6% for >PHP 10,000. Also includes cross-border payment settlement services.
4. Institutional OTC / TradeDesk: Coins.ph TradeDesk provides OTC trading service for high-net-worth individuals and corporates to trade digital assets and foreign currencies. TradeDesk operates on a no-fee model — quoted prices are the final settled amount with no additional fees. Minimum trade size is PHP 1 million. FX currencies supported include USD, EUR, GBP, HKD, JPY, SGD, AUD. Revenue is generated through spread on the quoted OTC prices.
5. Crypto Withdrawal Fees: Cryptocurrency withdrawal fees vary based on the network and token used, starting at 1 USDC. Specific per-network withdrawal fees are detailed in the support documentation. This represents a cost-recovery or margin-generating stream on blockchain network egress.
6. Buy/Sell (One-Click Trade): One-click buy/sell service for retail users using an RFQ (Request for Quote) model. Quotes provided directly by the system with no trading fees or slippage. The quoted price may differ from the Spot market price — revenue is generated through the spread embedded in the quote. Converted assets are automatically credited to the user's Spot Account.

Pricing tiers

Go-to-market motion5 records

Distribution channels8 records

Marketing channels10 records

Core offering

Coins.ph is a BSP-regulated mobile super app that combines a multi-currency digital wallet (PHP, USDT, USDC, and 170+ cryptocurrencies) with QR Ph payments, bill payment, mobile load, and remittance services for Filipino consumers. It also operates a B2B platform (Coins Business) that provides merchants and enterprises with QR Ph acquiring, WebPay online checkout, bulk disbursements, virtual accounts, institutional OTC/FX trading (TradeDesk), and a professional crypto exchange (Coins Pro). All services run on unified APIs and integrate with national rails (InstaPay, PESONet, QR Ph) and blockchain networks.

Product overview

Coins.ph operates as an integrated financial super app combining a BSP-regulated e-wallet with cryptocurrency exchange services. The core offering includes personal finance tools (Buy Load for all Philippine networks, Pay Bills supporting 120+ billers, QR Ph scanning at 600k+ merchants) alongside cryptocurrency trading (170+ digital assets including BTC, ETH, USDT, USDC, XRP, SOL via Buy/Sell, One-Click Convert, and professional Coins Pro exchange). For business customers, the platform provides Coins Business encompassing QR Ph merchant acceptance (Coins QR Ph), online checkout (Coins WebPay), corporate disbursements, and institutional services via Coins TradeDesk. The ecosystem also includes loyalty programs (Rewards Hub, VIP Center, Referral), earning features (Launchpool staking, Affiliate Program up to 60% commission), and educational tools (Coins Academy, Bitcoin Builder Program for students). A Philippine peso stablecoin (PHPC) is in BSP sandbox testing. All services are unified under BSP supervision since 2014 with 26 approved licenses including the first bank-tier EMI and EPFS licenses held by a crypto platform in the Philippines.

Differentiator

Problem solved

Functional benefit

Brands

• Coins Pro: Professional-grade cryptocurrency exchange product with unlimited trading, lower fees, and advanced charting tools powered by TradingView.
• Coins TradeDesk
• Coins Business
• Coins WebPay
• Coins QR Ph
• Bitcoin Builder Program

Products and services

• Coins.ph Super App All-in-one mobile super app combining a BSP-regulated e-wallet (QR Ph scanning, bill payment, mobile load, money transfers) with a cryptocurrency exchange supporting 170+ assets, available on iOS, Android, and Huawei AppGallery. Targets Filipino consumers and small businesses.
• Coins Crypto (Buy/Sell) One-click cryptocurrency purchasing and selling service for retail users supporting 170+ digital assets including Bitcoin, Ethereum, USDT, USDC, XRP, and Solana with minimum purchase of PHP 5 and live rate conversions.
• Coins Convert (One-Click Trade) Instant cryptocurrency conversion service using an RFQ (Request for Quote) model with competitive quotes, no trading fees or slippage, executing immediately upon confirmation. For retail users wanting to convert between PHP and crypto.
• Coins Pro Professional-grade cryptocurrency exchange with order book trading, TradingView charting integration, 7 chart styles, limit/market orders, and tiered maker/taker fee structure starting at 0.10%/0.15%. For active retail and semi-professional crypto traders.
• Coins Business Business-focused platform providing APIs and solutions for merchants and enterprises including QR Ph acceptance, WebPay online checkout, disbursement services, virtual accounts, cross-border payments, and crypto/FX trading for corporate treasury management. Serves 2,000+ verified business accounts.
• Coins QR Ph QR Ph payment acceptance solution for merchants enabling collection from any bank or e-wallet app using the national QR Ph standard, with 1.2% transaction fee and API integration options. Reaches 700,000+ retail merchants nationwide.
• Coins WebPay Online payment gateway for e-commerce enabling merchants to accept payments via Coins wallet, QR Ph, and credit/debit cards with 1% transaction fee per successful transaction and API integration.
• Coins Payments (Disbursement) Corporate payment solution for bulk payouts to employees, vendors, and contractors via PESONet (PHP 5/transaction batch) or InstaPay (PHP 10/transaction instant), supporting fiat and stablecoin settlement.
• Coins TradeDesk Institutional OTC trading service for high-net-worth individuals and corporates to trade digital assets and foreign currencies (USD, EUR, GBP, HKD, JPY, SGD, AUD) with no fees, minimum trade of PHP 1 million, and dedicated client management. Revenue via spread.
• Coins Crypto Services Enterprise cryptocurrency solutions including full order book exchange with matching engine, FIX/REST APIs for order placement and WebSocket market data, token listing services, Coins Access sub-account management, and OTC trading for corporate and institutional clients.
• Coins Business API Suite Unified API suite for business integrations covering QR Ph payments, WebPay checkout, Virtual Accounts for auto-reconciled deposits, Disbursements via InstaPay and PESONet, Exchange REST/WebSocket/FIX APIs, and On/Off Ramp (fiat-to-crypto and crypto-to-fiat conversion). Documentation at api.docs.coins.ph.
• Bitcoin Builder Program Standalone savings program for Filipino college and vocational students aged 18+ that matches annual PHP 100 BTC deposits with a PHP 100 BTC reward from Coins.ph, locked for 4 years in a non-custodial wallet with trading disabled, to encourage disciplined long-term holding.

Quantifiable outcome

• QR Ph transaction value grew from P559 million to P29.95 billion within 12 months in 2025 — a 5,300%+ growth rate
• +5 more outcomes

Named customers10 records

Segments6 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration25 records

Feature5 records

Partnerships

Six partnerships are on record, tiered major, core and minor.

• Clear JunctionmajorTechnology or Integration · 1 June 2026Clear Junction Limited, a UK-based payment infrastructure provider, partnered with Coins.ph to support the Philippines-based crypto-native payments company's European corridor expansion. Through the partnership, Coins.ph gains access to SEPA Credit, SEPA Instant, and Faster Payments rails for EUR and GBP collections and disbursements, along with named virtual IBAN issuance for corporate clients. The arrangement provides scalable European payment infrastructure as Coins.ph grows its international business serving corporate and financial institution clients across multiple countries.
• Circle (Circle Payments Network)coreTechnology or Integration · 2 February 2026Coins.ph joined Circle Payments Network (CPN) as a beneficiary financial institution to enable more efficient cross-border peso payouts into the Philippines. The integration allows CPN member institutions to route funds directly to Coins.ph, which distributes payments across its network of over 120 banks and e-wallets. Utilizes blockchain-based rails to provide real-time settlement status and greater transparency for users sending money into the country, targeting reduced fees and faster access to funds for recipients including Overseas Filipino Workers.
• VeemcoreStrategic or Co-development Partner · 19 January 2026Veem and Coins.ph expanded their partnership to improve cross-border payment experiences from the U.S. and Canada to the Philippines. The expanded model leverages Veem's pre-funded USD liquidity model, allowing Coins.ph to handle compliance checks, currency conversion, and peso disbursement to 100+ banks and e-wallets. Both companies explore new digital settlement methods including stablecoins like USDC. Targets Filipino remote workers, freelancers, and small outsourcing firms who historically faced high international wire fees and slow payout timelines.
• FinFanminorStrategic or Co-development Partner · 18 November 2025Coins.ph and Vietnam's FinFan signed an MOU to expand cross-border remittance and payment flows between the Philippines and Vietnam. This partnership uses Coins.ph's infrastructure to manage funds in USD for faster, more transparent remittance services, promoting financial inclusion and efficiency in Southeast Asia.
• BCRemitcoreStrategic or Co-development Partner · 1 November 2025Coins.ph and BCRemit partnered on November 1, 2025, to provide faster, more affordable remittances from overseas Filipinos using stablecoin-powered blockchain transfers. The service enables near real-time transactions, bypassing traditional banking delays. Both companies are regulated by the Bangko Sentral ng Pilipinas. Future plans include expanding to QR-Payment Collection for outbound remittances in 2026. BCRemit has processed over 1 million transactions worth over $600 million since 2015, leveraging USDC stablecoins to reduce transfer costs to approximately 1% (vs. 6.4% global average), reportedly cutting fees by approximately 80%.
• HashKey ExchangemajorTechnology or Integration · 14 July 2025Coins.ph partnered with HashKey Exchange to launch a regulated 24/7 remittance corridor between the Philippines and Hong Kong, enabling near-instant on and off-ramps between Philippine Pesos and Hong Kong Dollars. The partnership leverages both companies' regulatory licenses — Coins.ph's BSP licenses and HashKey Exchange's status as a licensed virtual asset exchange in Hong Kong — to reduce friction for remittances, payments, and digital asset flows. Aims to serve the millions of Filipinos with ties to Hong Kong and position the corridor as a foundation for interoperable digital finance across Asia.

Scale indicators12 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• PDAX (Philippine Digital Asset Exchange): PDAX is a BSP-licensed Philippine crypto exchange offering spot trading and on/off-ramps. It directly competes with Coins Pro for crypto traders in the same regulated market and customer segment.
• GCash: GCash is the dominant Philippine e-wallet operated by Globe Fintech Innovations, serving tens of millions of users with QR Ph payments, bill pay, and remittances. It is a direct peer in the consumer e-wallet and QR payments space and a Coins.ph integration partner, but could become a direct crypto competitor.
• Maya (PayMaya Philippines): Maya is a major Philippine digital bank and e-wallet offering QR Ph payments, cards, and savings products. Like GCash, it is a Coins.ph payout destination and integration partner but competes for the same everyday payments and emerging crypto use cases.
• Coins.co.th (Thailand): Coins.co.th is Coins.ph's own Thailand web presence under the Coins Group, operating a crypto exchange targeting Thai users with similar product offerings, comparable business model, and shared branding.
• Remitly: Remitly is a US-listed cross-border remittance platform with deep Philippines corridors. It is both a Coins.ph Business partner and a direct competitor for OFW remittance flows that Coins.ph is targeting with stablecoin rails.

Regional players

• Bitkub: Bitkub is Thailand's largest regulated crypto exchange with similar retail trader focus and Thai baht on/off-ramps. It is a regional comparable showing the Southeast Asian regulated-crypto-exchange model Coins.ph is scaling.

Broad incumbents

• Coinbase: Coinbase is a US publicly-listed regulated crypto exchange offering spot trading, custody, and payments APIs. As a broad incumbent, it competes for institutional crypto business globally and pressures Coins Pro's positioning on trust and regulatory quality.
• Binance: Binance is the world's largest crypto exchange by volume, offering spot trading, derivatives, and Web3 services globally. While regulatory-limited in some markets, it competes with Coins Pro on crypto trading fees, liquidity, and asset breadth.
• Wise (TransferWise): Wise is a global cross-border payments platform with strong Philippines corridors and multi-currency accounts. It is a broad incumbent competing with Coins.ph's B2B and remittance products on transparency and FX pricing.

Emerging players

• Strike: Strike is a Bitcoin payments and remittance app pioneering the stablecoin/Bitcoin-as-payment-network model. It is an emerging peer showing the global direction of stablecoin-based cross-border payments that Coins.ph is pursuing in the Philippines.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/coinsph
• YouTubeyoutube.com/c/CoinsPh
• Facebookfacebook.com/coinsph
• LinkedInlinkedin.com/company/coins-ph
• Instagraminstagram.com/coinsph
• TikToktiktok.com/@coinsph_official

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds5 records

Investors14 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Coins.ph