Bitnob alternative for business payouts and collections in stablecoins
Unigox is a Bitnob alternative: customer bank and mobile money payments land in your partner wallet as USDT or USDC, and payouts leave it with your own fee. Keep Bitnob for cards, Bitcoin and unverified recipients.
When to stay with Bitnob
Your recipients will not verify with Unigox
Bitnob creates a payout customer as a plain record, with no identity check. On Unigox each customer passes an identity check before a first order, though an eligible Sumsub or Persona check can be reused.
You need cards, Bitcoin or per-payout funding
Bitnob issues virtual cards, sends Bitcoin and Lightning payments, and lets you fund one payout at a time by paying a Bitcoin, Lightning, USDT or USDC address it generates, so you hold no balance.
Your company is in the United States
Unigox does not currently offer its services in the United States, while Bitnob offers to move business money "from the United States to anywhere" and pays USD there by ACH and wire.
Bitnob API and the Unigox Payments API for payouts and collections
| Topic | Bitnob | Unigox |
|---|---|---|
| What it is | APIs for Bitcoin, USDT, USDC and fiat across Africa: wallets, payouts to bank and mobile money accounts, trading, virtual cards, Lightning and naira virtual accounts. | A Payments API for local payouts and collections by bank account or mobile money, where your company's side of every order is USDT or USDC. |
| Funding a payout | Two models: pre-fund a business wallet in Bitcoin, USDT, USDC or local currency, or pay a generated Bitcoin, Lightning, USDT or USDC address for each payout within its quote, typically 15 minutes. | From USDT or USDC topped up in your partner wallet in advance. Your server signs each transfer into on-chain escrow. If a funded payout stops while the crypto is still in escrow, your server signs the refund, and the amount held, your fee included, returns to the wallet. |
| Collections | Virtual accounts: a Nigerian bank account number per customer, credited to your company NGN balance with no collection fee. Stablecoins arrive at deposit addresses. | Your customer pays by bank transfer or mobile money, and USDT or USDC is released to your partner wallet once that payment is confirmed. |
| Local payment | Bitnob, which says it handles liquidity, conversion and local disbursement. | A payment business connected to Unigox or an individual P2P merchant. Where a currency has payment businesses, a quote can be limited to them. |
| Pricing | No public payout price list. Each payout quote returns the fee and a locked rate; the effective rate includes the spread. Card fees are published: $1.00 to create a card, plus funding and cross-border fees. | No single rate. Each quote shows the rate, the Unigox fee, the percentage fee you add for yourself and the total, and your fee is paid to your partner wallet when the order completes. |
| Webhooks | Signed with HMAC-SHA512; a failed delivery is retried 3 times. | Signed with HMAC-SHA256, and a failed delivery is sent again. |
| Regulation | Bitnob Technologies Limited says Bitnob is not a bank and that payment services may be provided by financial institutions that hold licences. | 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. |
UnigoxAdd Unigox next to Bitnob in three steps
Get your company approved
Book a call to agree your markets and setup, then pass Unigox KYB with your company documents. Nothing carries over from your Bitnob account; API credentials are issued once Unigox approves the company.
Wire up quotes and webhooks
Your developers build payouts, collections and customer identity checks against api-staging.unigox.com, using the Postman collection and the Python, JavaScript or C# signing examples.
Top up and go live
Move USDT or USDC into your partner wallet and switch to api.unigox.com. Bitnob can keep your cards and the payouts you fund per transaction.
Questions on Bitnob
Can a Bitnob alternative also collect payments?
Yes, if your customers pay by bank transfer or mobile money and you want USDT or USDC in return: Unigox releases the stablecoins to your partner wallet once their local payment is confirmed. Bitnob documents local-currency collections as virtual bank account numbers that credit a local-currency balance, and takes USDT and USDC at deposit addresses.
Which Bitnob alternative lets us add our own fee to payouts?
Each Unigox Payments API quote can carry a percentage fee you set. The quote shows it next to the rate, the Unigox fee and the total, and your fee is paid to your partner wallet when the order completes; an order that does not complete is not charged. Bitnob's fees page describes the fee Bitnob returns on each quote and does not mention a fee of your own.
Can we use Bitnob and Unigox at the same time?
Yes. They are separate integrations with separate balances: keep Bitnob for cards, Bitcoin and per-payout funding, and send the payouts and collections you settle in USDT or USDC through Unigox. Your company passes Unigox KYB and each customer verifies with Unigox.
See all business comparisonsTell us where you pay and collect
Share the countries and payment methods you need and whether you hold USDT or USDC. We reply with the markets and payment methods the Payments API covers for your company.
Bitnob 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.