B2BinPay
B2BinPay is a regulated crypto payment gateway that enables merchants, brokers, exchanges, and financial institutions to accept, store, convert, and settle 350+ digital assets across 10+ blockchains, serving 983 business customers with $5.1B+ processed to date.
- Company typePrivate
- Founded2021
- HeadquartersTallin, Estonia
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What B2BinPay does
B2BinPay is a privately held crypto payment gateway and processing platform founded in 2014, headquartered in Tallinn, Estonia, with regulated operating entities in Mauritius and El Salvador and a regional presence in Rome. The company enables businesses to accept, store, send, swap, and convert cryptocurrency payments across 350+ digital assets and 10+ blockchain networks (Bitcoin, Ethereum, TRON, Solana, Polygon, Avalanche, BNB Smart Chain, Base, Optimism, Algorand, among others), combining on-chain and off-chain transaction processing for speed and cost efficiency. Core products include Crypto Payment Processing, Wallet as a Service (WaaS), Swaps, Staking, Custody, and a fully branded White-Label solution for financial institutions, complemented by the B2BINPAY DeFi App — a non-custodial multisignature product launched in February 2026 for crypto-native businesses requiring on-chain control. Supporting features include treasury management, wallet infrastructure, hosted payment pages, trading operations, security (2FA, address whitelists, KYT, blockchain risk scoring), on-ramp/off-ramp fiat conversion, and a REST API with sandbox environment.
B2BinPay monetizes primarily through tiered transaction fees: 0.25%–0.40% on incoming crypto payment volume, 0.025%–0.050% on outgoing WaaS transfers, and white-label licensing fees to banks, EMIs, and payment service providers. The go-to-market is multi-channel — self-serve for SMBs via app.b2binpay.com, enterprise direct sales for white-label deployments, and API/developer integration for mid-market platforms — with no disclosed external funding, suggesting the business is founder-led and self-funded under CEO Arthur Azizov. By 2025 the company had processed over $5.1 billion in cumulative incoming transactions across 6.7 million-plus transactions for 983 business customers spanning merchants, e-commerce, forex/CFD brokers, crypto exchanges, online gaming, gambling, real estate, travel, and hospitality. Note: firmographics records a 2014 founding date, while company-history records a 2021 establishment for the current regulated entities; the discrepancy is preserved here rather than reconciled.
The company's strategic positioning rests on three pillars: multi-jurisdiction regulatory licensing (VASP in Mauritius, PSAD/PSB in El Salvador), broad multi-chain asset and network coverage, and modular platform extensibility (custodial gateway, non-custodial DeFi, white-label institutional). Active expansion signals through 2025–2026 — the white-label launch, the DeFi App, the Mauritius VASP license, and Version 26.1 enterprise access controls — indicate deliberate buildout of both the institutional customer segment and the product surface ahead of anticipated EU MiCA CASP authorization.
B2BinPay firmographics
Firmographics- Name
- B2BinPay
- Legal name
- B2BINPAY MAURITIUS LTD
- Website
- https://b2binpay.com
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- B2BinPay is a regulated crypto payment gateway that enables merchants, brokers, exchanges, and financial institutions to accept, store, convert, and settle 350+ digital assets across 10+ blockchains, serving 983 business customers with $5.1B+ processed to date.
- Ownership category
- akta.pro rank
B2BinPay industry classification
Industry- Product category
- Crypto Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Crypto Payment Gateways & Checkout APIs (FSADAIAA)
- akta.pro secondary industries
- Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL), Enterprise Payments & Tokenized Money (stablecoins, tokenized deposits, CBDC rails) (FSAPAIAJ), SME & Business Cross-Border Payments (B2B) (FSAMAIAB)
Keywords
Where B2BinPay is headquartered
LocationHeadquarters
- HQ city
- Tallin
- HQ country
- Estonia
- HQ region
- Europe
Offices3 records
Markets served
B2BinPay business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales
Revenue model
- Transaction Fees - Crypto Payment Processing: Percentage-based fees on incoming crypto transactions with tiered pricing based on transaction volume. Higher volumes receive lower rates (0.25% for $5M+ monthly volume down to 0.40% for under $1M). Outgoing transactions are free.
- Wallet as a Service (WaaS) Fees: Tiered fees on outgoing wallet transactions ranging from 0.025% for $20M+ volume to 0.050% for under $1M. Incoming deposits are free.
- White-Label Licensing: Revenue from licensing the white-label platform to banks, EMIs, and payment providers who want to offer crypto payment services under their own brand.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Crypto Payment Processing - Incoming |
| Transaction based/ take rate | Monthly | Crypto Payment Processing - Outgoing |
| Transaction based/ take rate | Monthly | Wallet as a Service - Incoming |
| Transaction based/ take rate | Monthly | Wallet as a Service - Outgoing |
| Freemium | Pay-as-you-go | B2BINPAY DeFi App |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels6 records
B2BinPay product offering
Product offeringCore offering
B2BinPay is a B2B crypto payment processing and wallet infrastructure platform that enables businesses to accept, process, send, store, exchange, and settle cryptocurrency payments. The platform supports 350+ digital currencies across 10+ blockchain networks and is offered through core crypto payment processing, Wallet-as-a-Service, a white-label suite for banks/EMIs/payment providers, swaps, staking, custody, and a non-custodial DeFi App, all accessible via REST API and web interface.
Product overview
B2BinPay is an all-in-one crypto payment ecosystem offering a modular platform architecture. The core offering consists of Crypto Payment Processing and Wallet as a Service (WaaS), supplemented by additional modules including White Label (for institutional partners), Swaps (instant token conversion), Staking (yield generation), and Custody (secure asset storage). The platform also includes the B2BINPAY DeFi App for non-custodial multisignature processing. Supporting features include Treasury Management, Wallet Infrastructure, Payment Page, Trading Operations, Security Solutions, On-ramp/Off-ramp Solutions, and a Crypto Payment API. The platform supports 350+ digital currencies across 9+ blockchains, has processed over $5.1 billion in transactions, and serves sectors including e-commerce, forex brokers, crypto exchanges, gambling, merchants, real estate, and travel.
Differentiator
Problem solved
Functional benefit
Brands
- B2BINPAY DeFi App: A non-custodial multisignature crypto processing solution built for crypto-native businesses requiring full on-chain control and transparency. Operates on EVM-compatible networks and TRON with customizable signer configurations and approval thresholds.
Products and services
- Crypto Infrastructure Platform (Core) Full platform overview providing comprehensive crypto infrastructure for businesses, including treasury management, wallet infrastructure, and trading operations.
- Crypto Payment Processing A crypto payment gateway enabling merchants to accept cryptocurrency payments and settle to fiat or stablecoins. Supports 350+ digital currencies across 9 major blockchains with multi-asset support.
- Wallet as a Service (WaaS) An embedded wallet solution allowing businesses to receive, store, and send digital tokens within their product. Provides multi-currency wallet management from a single interface.
- White Label Platform A fully branded white-label solution enabling banks, EMIs, and payment providers to add crypto payment and digital wallet capabilities under their own brand. Supports over 350 digital assets across 10 blockchains.
- Swaps Instant token conversion service allowing users to convert Bitcoin or other cryptocurrency balances to any other token, stablecoins, or fiat at fixed exchange rates.
- Staking Earn yield on digital assets through staking services, allowing users to generate passive income on their cryptocurrency holdings.
- Custody Secure asset storage solution providing custody services for digital assets with focus on security and regulatory compliance.
- B2BINPAY DeFi App Non-custodial multisignature crypto processing solution built for crypto-native businesses requiring full on-chain control and transparency. Operates on smart contracts across EVM-compatible networks and TRON with customizable signer configurations and approval thresholds. Core functionality including invoicing, fund collection, and approval workflows is available at no cost.
Quantifiable outcome
- $5.1B+ processed in incoming transactions by 2025
- +3 more outcomes
Companies that use B2BinPay
Customer profileNamed customers2 records
Segments8 records
Ideal customer profiles5 records
B2BinPay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature7 records
B2BinPay partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- Liquidity Provider PartnercorePartnership with a liquidity provider to ensure sufficient liquidity for crypto-to-fiat conversions and large transaction processing
- Verification Platform PartnercoreIntegration with a verification platform for KYC/AML compliance services supporting the company's regulatory requirements
Scale indicators7 records
Recent moves7 records
Expansion highlights6 records
B2BinPay competitors and assessment
Company assessmentEmerging players
- BTCPay Server: Open-source self-hosted crypto payment processor popular with crypto-native merchants. Partial overlap with B2BinPay's DeFi App targeting crypto-native businesses.
Direct peers
- Coinbase Commerce: Coinbase's merchant crypto payment acceptance product supporting multiple digital assets. Directly competes with B2BinPay for merchant and exchange segment crypto payment volume.
- Alchemy Pay: Crypto and fiat on-ramp/off-ramp payment network serving merchants globally with hybrid payment rails. Comparable to B2BinPay in fiat-crypto settlement and merchant payments.
- NOWPayments: Crypto payment gateway supporting 200+ cryptocurrencies with mass payouts and white-label capabilities. Closely matches B2BinPay's mass-payout, multi-asset, and white-label offerings.
- Cryptomus: Crypto payment gateway with merchant acceptance, payouts, and white-label solutions. Directly competes with B2BinPay across merchant, mass payouts, and white-label use cases.
- TripleA: Licensed crypto payment gateway serving merchants with crypto acceptance and fiat settlement. Direct competitor in the regulated crypto payments segment.
- BitPay: One of the largest crypto payment gateways, enabling merchants to accept Bitcoin and other cryptocurrencies. Directly comparable to B2BinPay in merchant-facing crypto payment processing and wallet services.
- CoinGate: Crypto payment processor and gateway serving merchants with multi-coin acceptance and fiat settlement. Comparable in merchant focus and crypto-to-fiat settlement model.
- Confirmo: Crypto payment gateway and the first to obtain MiCA authorization for European merchants. Direct peer with comparable merchant focus but stronger EU regulatory standing.
Broad incumbents
- Circle (USDC): Major stablecoin issuer (USDC) with payment APIs and settlement infrastructure for merchants. Adjacent competitor in stablecoin settlement rails used by B2BinPay for crypto-to-fiat conversion.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
B2BinPay social profiles
Digital presenceB2BinPay compliance and trust
Trust signalCompliance3 records
B2BinPay financial estimates
Financial estimateRevenue estimate
Valuation estimate
B2BinPay leadership team
Management profileNumber of profiles
Profiles3 records
B2BinPay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
B2BinPay M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about B2BinPay
What does B2BinPay do?
B2BinPay is a B2B crypto payment processing and wallet infrastructure platform that enables businesses to accept, process, send, store, exchange, and settle cryptocurrency payments. The platform supports 350+ digital currencies across 10+ blockchain networks and is offered through core crypto payment processing, Wallet-as-a-Service, a white-label suite for banks/EMIs/payment providers, swaps, staking, custody, and a non-custodial DeFi App, all accessible via REST API and web interface.
Is B2BinPay a public or private company?
B2BinPay is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was B2BinPay founded?
B2BinPay was founded in 2021. It employs 51 to 100 people.
Where is B2BinPay based?
B2BinPay is headquartered in Tallin, Estonia, in the Europe region.
How does B2BinPay make money?
Three revenue lines are on record. Transaction Fees - Crypto Payment Processing is the primary driver. The others are wallet as a Service (WaaS) Fees and white-Label Licensing.
Who are B2BinPay's main competitors?
BTCPay Server is listed as an emerging player. Direct peers are Coinbase Commerce, Alchemy Pay, NOWPayments, Cryptomus, TripleA, BitPay, CoinGate and Confirmo. Circle (USDC) is listed as a broad incumbent.
Does B2BinPay have an API?
Yes. B2BINPAY offers a REST API for crypto payment integration, enabling developers to connect their platform within minutes. The API supports invoicing, fund collection, account management, and approval workflows. A sandbox environment is available for testing without incurring fees. The platform uses multiple servers across several data centers ensuring fast data delivery and low latency with redundant hosting and load-balanced environments. Developer documentation is at docs.b2binpay.com.
What industry is B2BinPay in?
B2BinPay's product category is Crypto Payment Processing. Its primary akta.pro industry code is FSADAIAA, Crypto Payment Gateways & Checkout APIs, with a secondary code of BPAMAFAL, Crypto Payments & Stablecoin Settlement Platforms. Its NAICS code is 522320 and its SIC code is 6200.