B2BinPay alternative for client withdrawals in local money
B2BinPay's API pays out in crypto; its off-ramp page lists bank payouts with no country list or price. For brokers paying client withdrawals to local bank or mobile money accounts, Unigox is the B2BinPay alternative. Stay for other coins.
When to stay with B2BinPay
Clients deposit bitcoin, Cardano, Stellar or other coins
B2BinPay processes bitcoin, ether, litecoin, XRP, Cardano, Stellar, Toncoin (shown as Gram in the B2BinPay account) and a long token list next to USDT and USDC. A Merchant wallet converts each incoming payment into the wallet's currency. Unigox credits USDT and USDC only, in the coin that was sent.
You want the price list before the first call
B2BinPay prints its fees by monthly volume. On payment processing, stablecoins coming in cost 0.50% below 1 million USD and 0.35% from 5 million, and crypto going out costs nothing beyond the network fee. On wallet-as-a-service, deposits are free and payouts cost 0.05% or less. Unigox prices crypto processing per company.
Clients send tokens on the wrong network
B2BinPay's wallet-as-a-service copies a deposit address onto Ethereum, Polygon, Avalanche and other networks, so USDT sent as ERC-20 to a BEP-20 address is not lost. On Unigox your payment page shows the client the stablecoin, network and address to use.
B2BinPay fee tiers and payouts next to Unigox
| Topic | B2BinPay | Unigox |
|---|---|---|
| Coins and networks | USDT on Ethereum, Tron, TON, Solana, BNB Smart Chain, Polygon, Arbitrum, Optimism, Avalanche and Algorand. USDC on most of those plus Base, without TON. | Crypto processing takes stablecoin payments on the major EVM networks (Ethereum, Base, Arbitrum, Polygon, Optimism, BNB Smart Chain, Avalanche, Unichain and HyperEVM), Robinhood Chain, Tron, TON and Solana. Which stablecoins a business accepts on each network is agreed during setup. |
| Deposit address | Each deposit carries your tracking ID. An Enterprise wallet address has no time limit, so it can take a client's repeat top-ups. On a Merchant wallet a deposit is an invoice that expires after 59 seconds to 30 days; money that arrives late or above the amount waits as Unresolved for your staff. | A client keeps one reusable address under your reference. Your system receives the amount that actually arrived and applies your own rules to a shortfall or an excess. |
| Pricing | By monthly volume:
| No public rate card: crypto processing is priced for your company, and every Payments API quote lists the Unigox fee beside the rate. |
| Money for your company | Fiat settlement on T+1. Bank withdrawals start at 5,000: EUR by SEPA at 0.50% plus 5 EUR, EUR or USD by SWIFT at 0.60% plus 35. | Keep the USDT or USDC, move it to a wallet you control, or convert and withdraw it in an available local currency, such as USDC to EUR or GBP for expenses. |
| Client withdrawals | API payouts go to a blockchain address, another of your B2BinPay wallets or a B2BinPay deposit. The off-ramp page mentions bank accounts, PSPs and local rails, with no country list or price. | Each withdrawal is a Payments API order to the client's own bank or mobile money account in local money, funded from USDT or USDC in your partner wallet. |
| Regulation | B2BinPay El Salvador is authorised by the CNAD as a digital asset service provider and by the Central Reserve Bank as a bitcoin service provider. B2BinPay Mauritius is a virtual asset service provider regulated by the FSC. | Unigox works through two companies: UNIGOX NETWORK CORP. in Canada handles the local-money side and is registered with FINTRAC as a money services business and with the Bank of Canada as a payment service provider; UNIGOX NETWORK CORP. in Panama handles the crypto side, including wallets and escrow. |
UnigoxSwitch client withdrawals from B2BinPay in three steps
Pass KYB and agree networks
Your company passes KYB. The networks, crypto processing pricing and Payments API access are agreed before launch.
Give each client one address
Request a reusable Unigox address under the client ID you now send to B2BinPay as a tracking ID, and credit the client's balance when the payment notification reports the amount received.
Send withdrawals to local accounts
Move USDT or USDC from the deposits into your partner wallet and quote each withdrawal to the client's bank or mobile money account. Run the flow in the sandbox first; it has the same endpoints as production. Each withdrawing client passes a Unigox identity check first, and an eligible Sumsub or Persona check can be reused.
B2BinPay API, fees and products
What is B2BinPay used for?
B2BinPay sells crypto payment processing, wallet-as-a-service, swaps, custody, staking and a white-label product, through companies in El Salvador and Mauritius. Forex and CFD brokers, exchanges, gambling and e-commerce are among the industries it lists. Unigox takes the USDT and USDC deposits and pays client withdrawals to local bank or mobile money accounts.
How does the B2BinPay API work?
Version 3 uses OAuth 2.0 bearer tokens and the JSON API format, signs deposit and payout callbacks with HMAC-SHA256, and has a sandbox. Its payouts go to blockchain addresses. The Unigox Payments API uses an X-API-Key header and pays clients' bank or mobile money accounts.
How the Payments API worksWhat does B2BinPay charge on a USDT deposit?
On a crypto payment processing wallet: 0.50% while your deposits stay under 1 million USD in the month, 0.45% to 3 million, 0.40% to 5 million and 0.35% from 5 million. It is never less than the network's minimum commission, 3 USD on Tron. On a wallet-as-a-service wallet the deposit is free and the charge falls on payouts, from 0.05%. On Unigox, crypto processing is priced for your company.
Price crypto processing next to your B2BinPay tier
Bring a recent B2BinPay statement: the monthly volume behind your fee tier, your clients' deposit networks and the countries their withdrawals go to. We use it to price crypto processing and Payments API access for your company.
B2BinPay and other names and logos are trademarks of their respective owners. Unigox is not affiliated with, endorsed or sponsored by them. Information about other companies comes from public sources, mainly the companies' own websites, and each company can change its products and fees at any time.