B2BINPAY

I. Company Profile and Positioning

Founded in 2017 and headquartered in Tallinn, Estonia, Europe, B2BinPay is a comprehensive cryptocurrency payment and custodial wallet solution for enterprises and merchants.

Founder and CEO Arthur Azizov led the team to accumulate experience in the field of fintech and digital currency payments, and built an ecosystem covering wallets, cross-chain exchanges, payment gateways, security controls and compliance modules.

2 Core products and functional highlights

1. Crypto Payment Gateway

• supports 350+ digital currencies, including mainstream currencies and stablecoins;

• automatic crypto-to-fiat, stablecoin, or other crypto-asset automatic conversion capabilities;

• Web/API integration is supported for a user-friendly clearing experience.

2. Wallet as a Service

• provides custodial wallet functions, supporting deposit, sending, receiving, withdrawing, and exchanging;

• Security can be enhanced through multi-signature and address whitelist functions;

• Support rich currency, deep liquidity, and low slippage trading.

3. Swap and Staking

• supports the swap of different currency pairs on the chain and provides VWAP (volume-weighted average price) to optimize transactions;

• Allows auto-staking through tokens such as TRX with an APY of 3–5% and reduced network transaction fees.

4. Custody

• enterprise-level custody, which can combine on-chain assets with transaction security control;

• Provide 24/7 support, white-label deployment, and private node operation support.

5. Security & Compliance

• implement AML/KYT (Know Your Transaction) monitoring mechanism and sanctions list check;

• Improve 2FA, multiple permission control, IP address whitelist, and wallet threshold settings;

• Compliance and security audits are conducted regularly by third-party organizations.

3. Version updates and feature evolution

v17, v20, v21 and other version

• v17 (2023): Comprehensively optimize the interface, introduce stablecoins such as TrueUSD and EuroCoin, and strengthen the pricing structure;

• v20 (2024): Increase TRX staking, support for multi-chain stablecoin networks such as Optimism, Arbitrum, Base, etc.;

• v21 (2024): Added support for Solana and Algorand, enhanced access address whitelisting and role management, and improved security and customer convenience.

4

fee structure

• payment gateway fee is about 0.25%–0.40%, and the transaction amount is tiered pricing;

• Wallet services generally do not charge fees for receiving funds, and there are gradient fees for withdrawals (up to approx 0.05%–0.05%).

enterprise setup fee

• merchant fee is approximately $500–$1,000, and institutional wallet deployment fee is approximately $1,000–1,500.

V. Application Scenarios and Target Customers

B2BinPay is mainly for the following industries:

• Online Merchant & E-commerce: Provide crypto payment collection solutions;

• Forex/CFD platforms (Forex & CFD brokers): accept cryptocurrency deposits and withdrawals;

• cryptocurrency trading platforms;

• Game and online entertainment industry: including the gambling industry, which supports millions of users to pay;

• Consulting services and law firms: can be used to process customer payments, with on-chain transparency;

• Crypto payment solutions are available in real estate, car sales, travel, dining, charitable donations, hedge funds, and more.

6. Technical architecture and developer support

• provide comprehensive REST API documentation, Covering wallet management, transaction flow, withdrawals, rate requests and other functions;

• Provide a sandbox environment for testing to help enterprises quickly deploy and integrate;

• The backend is deployed in multiple data centers and supports horizontal scaling, automatic load balancing, and low-latency service response.

7. Security Operations and Regulatory Compliance

• by "B2BinPay Italy S.R.L." provide services and hold a license for the operation of virtual assets issued by the Italian regulatory authority;

• Licensed as a Bitcoin Service Provider in El Salvador;

• Continuously comply with AML and KYT regulatory requirements on a global scale, and have passed multiple safety audits and regulatory compliance checks.

8. Team structure and market coverage

• by 2025, the team size will be about 51–200 people, The main body set up a R&D center in Tallinn;

• CEO Arthur Azizov, CPO Vitaliy Shtyrkin, CMO Georgy Slavin-Rudakov and other core members have rich backgrounds in payments and blockchain.

• It has served nearly 1,000 B2B customers, with a cumulative transaction volume of approximately $5.1 billion and a cumulative transaction volume of 6.7 million.

9. Advantage analysis and core competitiveness

1. multi-currency + stablecoin + multi-chain support: Covering 350+ currencies and continuously expanding to Solana, Algorand, Optimism and other networks;

2. Enterprise-level security controls: including KYT, 2FA, multi-signature, IP whitelist, wallet thresholds, access control, etc.;

3. Low fees, no risk of chargebacks: Crypto payments are irrevocable and transparent;

4. Multi-scenario applicability: from online merchants, all-in-one payment to wallet custody;

5. Strong background in compliance operation: legal license, mature industry supervision network;

6. Rapid product iteration: Recently, multiple versions of functional updates have quickly adapted to industry needs;

7. High-availability technology design: Redundant deployment in multiple data centers with detailed API documentation.

10. Challenges and potential risks

• the global regulatory environment is complex: Without regulatory compliance expansion, it is vulnerable to restrictions on the countries covered;

• Fierce competition in the industry: there are mature competitors such as Coinbase Commerce and BitPay;

• Custody model and security dependence: It is necessary to continuously strengthen the security and audit system to avoid asset risks;

• Integration technology threshold: Medium and large customers struggle to quickly respond to API and security configurations;

• Expansion and compliance pressures coexist: A balance needs to be struck between expanding into new markets and staying compliant.

11. Development direction and next step

• continue to expand multi-chain support, which has now covered the main ones Layer-1 and L2 networks;

• Promote the deep integration of horizontal industries, including DeFi platforms, NFTs, GameFi, and RWA applications;

• Strengthen the compliance standardization system and gradually obtain more regional licenses;

• Realize white-label payment custody services, so that partners can accelerate customization;

• Launched more merchant tools and SDKs to reduce access costs;

• Facilitate global expansion and localization team deployment.

12. Summary and evaluation

As a provider of corporate and merchant-level crypto payment solutions, B2BinPay has built a system-level competitiveness in the industry with full currency coverage, multi-chain support, perfect security compliance system and flexible custodial wallet services. Its wide service coverage and rich functional modules can meet the payment needs of various industries such as finance, games, exchanges, and e-commerce.

However, it is facing regulatory strategy adjustments, global compliance challenges and industry competition pressures, and will continue to rely on technological innovation, compliance expansion and in-depth industry cooperation to maintain its leading position in the future.