### Looking for innovative financial solutions for your business ambitions? It is worth paying attention to Nexpay electronic money institution!

Finscanner will review this fintech startup that focuses on providing IBAN accounts and crypto exchange. Our Nexpay analysis covers everything you need to know about their open solutions and services, containing the latest information.

---

Learn more about EMIs in our article «[Banking with Electronic Money Institutions](https://www.finscanner.io/blog/post/banking-with-electronic-money-institutions-pros-cons/)».

---

* Nexpay is an authorized electronic money institution based in Vilnius, Lithuania in 2017. It offers virtual IBAN accounts, cryptocurrency exchange, cryptocurrency trading to individuals, businesses, and financial institutions.

* The company has more than 400 business clients using its services. A large part of its clients is cryptocurrency exchanges. Nexpay processes an average of 250 million euros per month. In 2021, the volume of payments processed reached three billion euros.

* Nexpay is placed in the Top-10 best e-Money Institutions for high-risk businesses in 2022. Learn more [here](https://www.finscanner.io/blog/post/top-10-e-money-institutions-for-high-risk-business-in-2022/).

## ✅ Pros

* Low transaction fees
* API integration
* Crypto-friendly accounts

## ❌ Cons

* Long onboarding procedure
* Poor customer support service
* No debit cards
* Offshore entities are not accepted
* No C2B operations

*NOTE: The above-mentioned pros and cons are drawn up by the Finscanner team’s point of view, while other Nexpay reviews may say otherwise.*

## Profile

UAB NexPay (registration code 304708124) is an authorized Electronic Money Institution (EMI) holding a license from the Bank of Lithuania (license No. 18).

* **Currency:** EUR, cryptocurrencies
* **Business focus:** providing IBAN accounts and crypto exchange (Globitex).
* **Customer groups:** EEA and UK low-risk, all countries.
* **Authorized activities:** issuance of electronic money, execution of payment transactions on a payment account (not covered by a credit line), issuing payment instruments, or acquiring payment transactions.
* **Operations with cryptocurrencies:** Yes

## Business Accounts, Pricing

**EEA and UK Residents (Basic):**
* Initial Fee: 100 EUR 
* Monthly Fee: Free 
* SEPA Outgoing: 0.05%, min 1 EUR
* SEPA Incoming: 0.05%, min 1 EUR

**All countries (Basic+):**
* Initial Fee: 1000 EUR 
* Monthly Fee: Free 
* SEPA Outgoing: 0.1% + 1 EUR
* SEPA Incoming: 0.1% + 1 EUR

**Premium:**
* Initial Fee: Free 
* Monthly Fee: 1000 EUR
* SEPA Outgoing: Free
* SEPA Incoming: Free

##Personal Accounts, Pricing

**EEA and UK Residents (Basic):**
* Initial Fee: 100 EUR 
* Monthly Fee: Free 
* SEPA Outgoing: 1 EUR
* SEPA Incoming: 1 EUR

**All countries (Basic+):**
* Initial Fee: 100 EUR 
* Monthly Fee: Free 
* SEPA Outgoing: 0.05%, min 1 EUR
* SEPA Incoming: 0.05%, min 1 EUR

**Premium:**
* Initial Fee: 100 EUR
* Monthly Fee: 5 EUR
* SEPA Outgoing: Free
* SEPA Incoming: Free

## Summary

![This is an image](https://admin.finscanner.io/storage/2022/05/16/355829bb308273ea8939461fd78d41f6dc02b7b7.png)

To assign a rating score, Finscanner assesses such key criteria as the pricing of the services, onboarding difficulty, support quality (customer service), and service popularity. In summary, Nexpay was assigned the overall rating of 3.0 (Average) which is explained in detail below.

## Expert Review of Nexpay

![This is an image](https://admin.finscanner.io/storage/2022/02/17/2aa907c9781894a810db8f2874fb013247ce77b3.jpg)

---

“Nexpay is focused on providing a new generation of financial infrastructure to replace legacy financial institutions. According to the reports, it copes quite well. Like many other e-money institutions, it strives not only to be the leader in Lithuania but also to become the largest in its niche in Europe. However, keep in mind that the company serves mainly crypto-oriented projects, which temporarily limits the scope of its activities on the one hand, but allows it to take a leading position in the future as the industry grows on the other.”

---

## Are you ready to start using Nexpay?

All you need to do is to go to the Finscanner marketplace, search for the [Nexpay profile](https://www.finscanner.io/products/uab-nexpay/), and hit the "Apply" button. Next, you need to set up your business or personal account by registering a new profile and filling out an online application form. 

If you still have any questions left, feel free to [contact us](http://support@finscanner.io/) directly today!

Finscanner will review this fintech startup that focuses on providing...

Review of Nexpay — Next generation financial infrastructure for the digital business world

### Looking for an innovative channel for funds transfer? It is worth paying attention to IBS electronic money institution!

Finscanner will review this global fintech company that focuses on constructing a global cross-border payment clearing and settlement network with regional clearing circles. Our IBS analysis covers everything you need to know about their open solutions and services, containing the latest information.

---

Learn more about EMIs in our article «[Banking with Electronic Money Institutions](https://www.finscanner.io/blog/post/banking-with-electronic-money-institutions-pros-cons/)».

---

* IBS is an authorized electronic money institution based in Vilnius, Lithuania in 2016. It offers virtual personal and business IBAN accounts, merchant accounts with IBAN, SEPA transfers, SWIFT transfers, international payments, currency exchange, customer payments processing, Alipay, WeChat Pay and UnionPay international acquiring solutions to individuals and businesses.

* It is set to greatly increase cross-border trade value and provide a fast, safe, and low-cost direct payment channel between Europe and China.

* In light of recent events, the firm has supported the initiative to send crypto donations to Ukraine by entering an arrangement with the National Bank of Ukraine (NBU) and crypto payment processor Coingate. It is responsible for approving and sending payments directly to the special donation accounts that have been set up by the NBU.

* IBS is placed in the [Top-10 best e-Money Institutions for high-risk businesses in 2022](https://www.finscanner.io/blog/post/top-10-e-money-institutions-for-high-risk-business-in-2022/).

## ✅ Pros

* Low transaction fees
* Open for cooperation with MSBs and PSPs
* Personal accounts

## ❌ Cons

* No C2B accounts
* No debit cards
* No offshore jurisdictions
* Long onboarding procedure

*NOTE: The above-mentioned pros and cons are drawn up by the Finscanner team’s point of view, while other IBS reviews may say otherwise.*

---

## Profile

International Business Settlement (IBS) is an e-money institution that operates under IBS Lithuania UAB (304310405), authorized by the Bank of Lithuania (authorization number LB000404). It is part of International Business Reconciliation Holdings Limited, which is a company listed on the Hong Kong Stock Exchange (Hong Kong Stock Exchange Stock Code: (00147.HK)).

**Currency:** EUR, USD, GBP, CNY, HKD 
**Business focus:** digital banking services between Europe and China. 
**Products:** virtual personal and business IBAN accounts, merchant accounts with IBAN. 
**Customer groups:** EU residents, non-EU residents. 
**Authorized activities:** issuance of electronic money, placing cash to a payment account, withdrawing cash from a payment account, execution of payment transactions on a payment account (not covered by a credit line), issuing payment instruments, or acquiring payment transactions, money remittance. 
**Crypto-Related Activities:** Yes

## Business Accounts, Pricing

**EEA Residents:** 
Initial Fee: 50 EUR 
Monthly Fee: 10 EUR 
SEPA Outgoing: 2 EUR 
SEPA Incoming: 1 EUR 
SWIFT Outgoing: 30 EUR 
SWIFT Incoming: 10 EUR

**Non-EEA Residents:** 
Initial Fee: 200 EUR 
Monthly Fee: 50 EUR 
SEPA Outgoing: 5 EUR 
SEPA Incoming: 3 EUR 
SWIFT Outgoing: 0.1%, min 50 EUR 
SWIFT Incoming: 15 EUR

**Compliance Intensive:** 
Initial Fee: 500 EUR 
Monthly Fee: 200 EUR 
SEPA Outgoing: 0.2%, min 5 EUR 
SEPA Incoming: 0.1%, min 5 EUR 
SWIFT Outgoing: 0.2%, min 50 EUR 
SWIFT Incoming: 0.1%, min 30 EUR

## Personal Accounts, Pricing

**EEA Residents:** 
Initial Fee: Free 
Monthly Fee: 5 EUR 
SEPA Outgoing: 1 EUR 
SEPA Incoming: Free 
SWIFT Outgoing: 30 EUR 
SWIFT Incoming: 5 EUR

**Non-EEA Residents:** 
Initial Fee: 50 EUR 
Monthly Fee: 30 EUR 
SEPA Outgoing: 5 EUR 
SEPA Incoming: 2 EUR 
SWIFT Outgoing: 0.1%, min 50 EUR 
SWIFT Incoming: 10 EUR

## Summary

To assign a rating score, Finscanner assesses such key criteria as the pricing of the services, onboarding difficulty, support quality (customer service), and service popularity. In summary, IBS was assigned the overall rating of 3.6 (Great) which is explained in detail below.

![This is an image](https://admin.finscanner.io/storage/2022/04/22/e4c04754ac5fdfa6b9b5924883eba3251afe5db2.png)

## Expert Review of IBS

![This is an image](https://admin.finscanner.io/storage/2022/02/17/2aa907c9781894a810db8f2874fb013247ce77b3.jpg)

---

“IBS is a company with a solid reputation, no bad records, and strict compliance with KYC/AML. By general reckoning, it is well placed to effectively reduce the cost of trade settlement between China and Europe and help improve the financial infrastructure of countries along the “Belt and Road” in the future.

At the moment, the company continues to expand its business presence in Europe. It is also expected that IBS will soon release remittance services and payment cards for businesses and individuals.”

---

## Are you ready to start using IBS?

All you need to do is to go to the Finscanner marketplace, search for the [IBS profile](https://www.finscanner.io/products/uab-ibs-lithuania/), and hit the "Apply" button. Next, you need to set up your business or personal account by registering a new profile and filling out an online application form. 

If you still have any questions left, feel free to [contact us](https://www.finscanner.io/about-us/) directly today!

Looking for an innovative channel for funds transfer? It is worth paying attention to IBS electronic money institution!

Review of IBS — Financial link between Europe and China

### Looking for a flexible payment solution for your business? It is worth paying attention to KoalaPays electronic money institution!

Finscanner will review this relatively new all-in-one platform that focuses on local and international money transfers. Our KoalaPays analysis covers everything you need to know about their open solutions and services, containing the latest information.

---

Learn more about EMIs in our article «[Banking with Electronic Money Institutions](https://www.finscanner.io/blog/post/banking-with-electronic-money-institutions-pros-cons/)».

---

* KoalaPays is an authorized electronic money institution based in Brno, Czech Republic in 2020. It offers multi-currency accounts, cross-border payments, dedicated bank accounts, and exchange services with advanced trading tools.

* The platform has gained the recognition and trust of many global companies and financial corporations, but mostly it has become a real trend across online casinos.

* In 2021 KoalaPays acted as a sponsor to iFX EXPO in Dubai, the largest global fintech b2b exhibition.

* KoalaPays is placed in the Top-10 best e-Money Institutions for high-risk businesses in 2022. Learn more [here](https://www.finscanner.io/blog/post/top-10-e-money-institutions-for-high-risk-business-in-2022/).

## ✅ Pros

* Crypto-friendly accounts
* SEPA/SWIFT IBANs
* Debit cards
* Paypal functionality
* API integration

## ❌ Cons

* No C2B accounts
* Long onboarding procedure
* High transaction fees

*NOTE: The above-mentioned pros and cons are drawn up by the Finscanner team’s point of view, while other KoalaPays reviews may say otherwise.*

---

## Profile

Safe Payments Solutions s.r.o trading as KoalaPays is an electronic money institution incorporated in Czech Republic under registration number 06419526, the registered office of which is Kamenickova 1114/2, 616 00 Brno-Zabovresky. Company is regulated by the Czech National Bank as an electronic money issuer.

**Currency:** 20+ currencies 
**Business focus:** local and international money transfers. 
**Products:** business IBAN accounts, physical and virtual cards, trading tools, e-wallet, app. 
**Customer groups:** EU, offshore, high-risk. 
**Authorized activities:** issuance of electronic money, execution of payment transactions on a payment account (not covered by a credit line), issuing payment instruments or acquiring payment transactions, money remittance. 
**Crypto-Related Activities:** Yes

## Business Accounts, Pricing

**Licensed EU, Category 1:** 
Initial Fee: Free 
Monthly Fee: 29 EUR 
SEPA Outgoing: 40 EUR (standard), + 1% (express) 
SEPA Incoming: 0.7% +10 EUR 
SWIFT Outgoing: 40 EUR (standard), + 1% (express) 
SWIFT Incoming: 1.0% +10 EUR 

**EU, Category 2:** 
Initial Fee: Free 
Monthly Fee: 49 EUR 
SEPA Outgoing: 40 EUR (standard), + 1% (express) 
SEPA Incoming: 1.0% +10 EUR 
SWIFT Outgoing: 40 EUR (standard), + 1% (express) 
SWIFT Incoming: 1.5% +10 EUR

**Offshore, Category 3:** 
Initial Fee: 250 EUR 
Monthly Fee: 150 EUR 
SEPA Outgoing: 40 EUR (standard), + 1% (express) 
SEPA Incoming: 1.5% +10 EUR 
SWIFT Outgoing: 40 EUR (standard), + 1% (express) 
SWIFT Incoming: 2.0% +10 EUR

**Gambling, Category 4:**
Initial Fee: 250 EUR 
Monthly Fee: 150 EUR 
SEPA Outgoing: 40 EUR, +1% (express) 
SEPA Incoming: 1.5% + 10 EUR 
SWIFT Outgoing: NOT available 
SWIFT Incoming: NOT available 

## Debit Cards, Pricing

Koalapays offers Mastercard, Visa/VISA Electron, Maestro debit cards for EEA entities. The card is linked to the KoalaPays account and can be instantly topped up from the account and used for day-to-day expenses, online purchases, or withdrawal cash at the ATM.

Card order: 14.99 EUR (physical) / 4.99 EUR (virtual) 
Monthly card fee: 2 EUR 
Account to card transfer: 1% (min 2 EUR) 
Card to account transfer: 0.5% + 1 EUR 
ATM withdrawal: 1.5% + 4.5 EUR 

## Summary

To assign a rating score, Finscanner assesses such key criteria as the pricing of the services, onboarding difficulty, support quality (customer service), and service popularity. In summary, KoalaPays was assigned the overall rating of 3.8 (Great) which is explained in detail below.

![This is an image](https://admin.finscanner.io/storage/2022/04/08/c1f190af146172c1eb804bf001d1b77727d8f8fd.png)

## Expert Review of KoalaPays

![This is an image](https://admin.finscanner.io/storage/2022/02/17/2aa907c9781894a810db8f2874fb013247ce77b3.jpg)

---

“KoalaPays is a platform that we value primarily for dealing with high-risk businesses. In this category, they have very competitive transaction fees. Needless to say, many online casino users are already enjoying many perks and benefits of KoalaPays. However, I see many other industries where this platform can prove itself in the future.“

---

## Are you ready to start using KoalaPays?

All you need to do is to go to the Finscanner marketplace, search for the [KoalaPays profile](https://www.finscanner.io/products/safe-payments-solutions-s-r-o-koalapays/), and hit the "Apply" button. Next, you need to set up your business account and fill out an online application form. 

If you still have any questions left, feel free to [contact us](http://support@finscanner.io/) directly today!

Our KoalaPays analysis covers everything you need to know about their open solutions and services, containing the latest information.

Review of KoalaPays — Flexible payment solutions

### Looking for alternative solutions to traditional banking? It is worth paying attention to Valyuz electronic money institution!

Finscanner will review this great payment service provider that offers alternative solutions to regular banking and payment accounts for individuals and companies world-wide. Our Valyuz analysis covers everything you need to know about their open solutions and services, containing the latest information.

---

### Learn more about EMIs in our article «[Banking with Electronic Money Institutions](https://www.finscanner.io/blog/post/banking-with-electronic-money-institutions-pros-cons/)».

---

* Valyuz is an authorized electronic money institution based in Vilnius, Lithuania in 2018. It offers SEPA transfers, SWIFT transfers, personal and business virtual accounts with IBAN, competitive fees for currency exchange, debit cards, web and mobile app.

* Not so long ago, Valyuz was being under sanctions imposed by regulators. Primarily it was due to the way that the funds were stored in electronic money and payment institutions, although under the Law on Electronic Money and Electronic Money Institutions, these funds must be kept in credit institutions, central banks or invested in safe liquid funds in Lithuania or other European Union countries. However, Valyuz has already corrected the violations.

* According to Finscanner, the Valyuz was placed in Top-10 best e-Money Institutions for high-risk businesses in 2022. Learn more here.

## ✅ Pros

* Flexible fees
* Debit cards
* Multiple currencies
* Personal accounts

## ❌ Cons

* Offshore entities only partially accepted
* No C2B accounts
* No dedicated SWIFT IBAN

**NOTE:** The above-mentioned pros and cons are drawn up by the Finscanner team’s point of view, while other Valyuz reviews may say otherwise.

---

### Profile

Valyuz UAB is an electronic payment company No. 304782929 authorized by the Bank of Lithuania (LB000454) under the Law on Electronic Money and Electronic Money Institutions 2011 for the Issuance of electronic money.

**Currency:** 35 currencies 
**Business focus:** providing alternatives to traditional banking. 
**Products:** debit cards, personal & business virtual accounts with IBAN, app. 
**Customer groups:** all countries. 
**Authorized activities:** issuance of electronic money, withdrawing cash from a payment account, execution of payment transactions on a payment account (not covered by a credit line), issuing payment instruments, or acquiring payment transactions. 
**Operations with cryptocurrencies:** No

## Personal Accounts, Pricing

Initial Fee: 50 EUR 
Monthly Fee: 10 EUR 
SEPA Outgoing: 5.00 EUR 
SEPA Incoming: 5.00 EUR 
SWIFT Outgoing: 0.3% min 25 EUR 
SWIFT Incoming: 0.25% min 20 EUR, max 120 EUR 

## Business Accounts, Pricing

**Low-risk, Category 1 (Basic / Advanced / Premium):**

Initial Fee: 500 EUR / 250 EUR / Free 
Monthly Fee: 25 EUR / 250 EUR / 500 EUR 
SEPA Outgoing: 10 EUR / Free / Free 
SEPA Incoming: 10 EUR / Free / Free 
SWIFT Outgoing: 0.25% min 25 EUR / 0.20% min 25 EUR / 0.15% 
SWIFT Incoming: 0.25% min 25 EUR / 0.20% min 25 EUR / 25 EUR 

**Related to high risk, Category 2 (Basic / Advanced / Premium):**

Initial Fee: 900 EUR / 450 EUR / Free 
Monthly Fee: 150 EUR / 1000 EUR / 1500 EUR 
SEPA Outgoing: 10 EUR / Free / Free 
SEPA Incoming: 0.25% min 10 EUR / Free / Free 
SWIFT Outgoing: 0.5% min 50 EUR / 0.35% min 50 EUR / 0.25% 
SWIFT Incoming: 1.00% min 50 EUR / 0.75% min 50 EUR / 0.5% 

**High risk, Category 3 (Basic / Advanced / Premium):**

Initial Fee: 2000 EUR / 1000 EUR / Free 
Monthly Fee: 500 EUR / 4000 EUR / 6000 EUR 
SEPA Outgoing: 0.4% min 25 EUR / Free / Free 
SEPA Incoming: 0.4% min 25 EUR / Free / Free 
SWIFT Outgoing: 1.00% min 50 EUR / 0.75% min 50 EUR / 0.5% 
SWIFT Incoming: 1.5% min 50 EUR / 1.00% min 50 EUR / 0.5% 

## Debit Cards, Pricing

Valyuz offers MasterCard debit card. It is available to all corporate clients no matter where their business is incorporated. Once applied, the debit card will be sent via post directly to the address provided on the questionnaire. It usually takes around 5-7 business days for the card to arrive.

**(Basic / Advanced / Premium):**

Card order: 100 EUR / 50 EUR / Free 
Monthly card fee: 15 EUR / 7.5 EUR / Free 
Card upload: 15 EUR / 7.5 EUR / Free 

## Summary

To assign a rating score, Finscanner assesses such key criteria as the pricing of the services, onboarding difficulty, support quality (customer service), and service popularity. In summary, Valyuz was assigned the overall rating of 3.6 (Great) which is explained in detail below.

![This is an image](https://admin.finscanner.io/storage/2022/04/06/b2cc1d00388f604e1c5511c0188825c3fce7e6ed.png)

## Expert Review of Valyuz

![This is an image](https://admin.finscanner.io/storage/2022/02/17/2aa907c9781894a810db8f2874fb013247ce77b3.jpg)

---

“Valyuz is well versed in different business models and companies with international shareholders and covers many industries. As we have already stated, it might be a great option for high-risk businesses. 

Speaking of prospects, this e-money institution has room to develop and improve its services. However, there is a high level of competition in the market right now, and it is quite difficult to be a bright spot against other EMIs.“

---

## Are you ready to start using Valyuz?

All you need to do is to go to the Finscanner marketplace, search for the [Valyuz profile](https://www.finscanner.io/products/valyuz-uab/), and hit the "Apply" button. Next, you need to set up your account and fill out an online application form. After the submission, the Valyuz team will review it and guide you through the process, and will assist you with the required information/documentation. At the time of writing, only Valyuz business accounts can be opened.

If you still have any questions left, feel free to [contact us](http://support@finscanner.io/) directly today!

Finscanner will review this great payment service provider that offers alternative solutions to regular banking and payment accounts...

Review of Valyuz — Rising above banking experience

Looking for the top most secure online payment company? It is worth paying attention to GuruPay electronic money institution!

Finscanner will review this newly-established EMI that provides e-money and payment services for both private and corporate clients. Our GuruPay analysis covers everything you need to know about their open solutions and services, containing the latest information.

---

### Learn more about EMIs in our article «[Banking with Electronic Money Institutions](https://www.finscanner.io/blog/post/banking-with-electronic-money-institutions-pros-cons/)».

---

* GuruPay is an authorized electronic money institution based in Vilnius, Lithuania in 2019. It offers financial services activities i.e. issuance of e-money, payment execution (domestic and cross-border), the opening of IBAN accounts, prepaid cards, etc.

* All client funds are stored in the Central Bank of Lithuania and the institution itself is regulating its activities in accordance with the laws of the European Union and the legal acts of the Central Bank of Lithuania.

* During the latest years, the number of customers of GuruPay has increased and the number of payments made jumped several times. According to Aleksandras Karpickis, the company's co-founder and CEO, this was due to additional strategic direction focusing on small and medium-sized commercial and fintech business companies during the pandemic and changed business conditions after Brexit.

* The company is well-positioned for a corporate high-demanding clientele, especially in e-gaming, fully licensed gambling, affiliate businesses, and e-commerce industries. According to Finscanner, GuruPay is a Top-1 e-Money Institution for high-risk businesses in 2022. Learn more [here](https://www.finscanner.io/blog/post/top-10-e-money-institutions-for-high-risk-business-in-2022/).

### ✅ Pros

* High degree of security and transparency
* C2B accounts
* Offshore companies accepted
* Crypto-friendly accounts
* API integration
* Fast onboarding procedure
* Debit cards, personal accounts

### ❌ Cons

* No dedicated SWIFT IBAN
* EUR account only

---

**NOTE:** The above-mentioned pros and cons are drawn up by the Finscanner team’s point of view, while other GuruPay reviews may say otherwise.

---

## Profile

GuruPay is authorized and regulated by the Bank of Lithuania, <OuterLink url="https://www.lb.lt/lt/frd-licencijos/view_license?id=1907" text="license No. 59" />.

* **Currency:** EUR
* **Business focus:** unique IBAN accounts, customized payment solutions, SEPA payments.
* **Products:** personal IBAN accounts, business IBAN accounts, prepaid cards, accumulative bank accounts.
* **Customer groups:** EEA residents, non-EEA residents, premium customers.
* **Authorized activities:** issuance of electronic money, execution of payment transactions on a payment account (not covered by a credit line), issuing payment instruments, or acquiring payment transactions.
* **Operations with cryptocurrencies:** No

## Business IBAN Accounts, Pricing

**Lithuania based**

(E-Commerce, Retail, Accountancy):
* Initial Fee: **25 EUR**
* Monthly Fee: **25 EUR**
* Closing Fee: **25 EUR**
* SEPA Outgoing: **1.00 - 5.00 EUR**
* SEPA Incoming: **Free**
* SWIFT Outgoing: **0.1% (Min 45 EUR)**
* SWIFT Incoming: **0.1% (Min 10 EUR)**

### EEA/Non-EEA based

(E-Commerce, Retail, Logistics, Provision of legal services, Legal practice, Marketing, Accountancy, Independent legal professionals, Tax advisors, IT development, Intermediary services):
* Initial Fee: **250 EUR/ 750 EUR**
* Monthly Fee: **50 EUR/ 200 EUR**
* Closing Fee: **150 EUR**
* SEPA Outgoing: **1.00 - 10 EUR/ 0.1% (Min 5 - 50 EUR)**
* SEPA Incoming: **Free/ 0.1%**
* SWIFT Outgoing: **0.2% (Min 70 EUR)/ 0.4% (Min 120 EUR)**
* SWIFT Incoming: **0.1% (Min 10 EUR)/ 0.1% (Min 10 EUR)**

### EEA/Non-EEA based high-risk business

(Media, Affiliates, Online Advertising, Forex, Activities involving gambling, gaming and/or any other activity with an entry fee and a prize, including, but not limited to casino games, lottery, games of skill and sweepstakes (Only regulated), PSP, Financial services, Money transfer services, Insurance, provision Notary practice, Real Estate, Well known dating sites):
* Initial Fee: **1250 EUR/ 2500 EUR**
* Monthly Fee: **250 EUR/ 300 EUR**
* Closing Fee: **150 EUR**
* SEPA Outgoing: **0.25%/ 0.5%**
* SEPA Incoming: **0.1%/ 0.5%**
* SWIFT Outgoing: **0.5% (Min 120 EUR)/ 0.5% (Min 120 EUR)**
* SWIFT Incoming: **0.1% (Min 10 EUR)/ 0.5% (Min 20 EUR)**

## Personal IBAN Accounts, Pricing

### EEA/Non-EEA based:
* Initial Fee: **Free/ 100 EUR**
* Monthly Fee: **5 EUR/ 20 EUR**
* Closing Fee: **Free/ 150 EUR**
* SEPA Outgoing: **1.00 EUR/ 5.00 EUR**
* SEPA Incoming: **Free/ 5.00 EUR**
* SWIFT Outgoing: **0.1% (Min 45 EUR)/ 0.2% (Min 70 EUR)**
* SWIFT Incoming: **0.1% (Min 10 EUR)**

### Special 
(applicable if a client requires higher than standard permanent limits and/or operates under an individual business/freelance certificate):
* Initial Fee: **250 EUR**
* Monthly Fee: **50 EUR**
* Closing Fee: **250 EUR**
* SEPA Outgoing: **10 EUR**
* SEPA Incoming: **10 EUR**
* SWIFT Outgoing: **0.4% (Min 120 EUR)**
* SWIFT Incoming: **0.1% (Min 10 EUR)**

## Debit Cards, Pricing

Both physical and virtual Mastercard debit cards are compatible with ATMs all over the world. Businesses can apply for an unlimited number of corporate cards with separate IBAN and multicurrency payments.

* Card issuing, including card delivery: 49 EUR
* Card load (internal transfer from IBAN account): Free 
* FX fee (applied when transactions are not in EUR): 2%
* Transaction fee: 0.5% (min 1 EUR)
* ATM cash withdrawal fee: 2.5% (min 5 EUR)

## Accumulative Bank Account

GuruPay offers an accumulative bank account for both legal and individual incorporators to deploy an authorized capital. The account is required to establish a private limited liability company in Lithuania. No payments can be made from this account. The authorized capital can be transferred only from within the SEPA area in EUR currency.

## Crypto-Friendly Business Accounts

GuruPay facilitates crypto-related businesses to open accounts for transfers to/from crypto platforms. The crypto-client category is subject to the business pricing plan for high-risk business (see above).

## Summary

![This is an image](https://admin.finscanner.io/storage/2022/03/17/49b7d7ed6e14cdbcffca9ac151e9c205f2ea2c8d.png)

To assign a rating score, Finscanner assesses such key criteria as the pricing of the services, onboarding difficulty, support quality (customer service), and service popularity. In summary, GuruPay was assigned the overall rating of 4.4 (Excellent) which is explained in detail below.

## Expert Review of GuruPay

![This is an image](https://api-products.mig.finance/storage/2022/02/17/2aa907c9781894a810db8f2874fb013247ce77b3.jpg)

---

“Despite the short period since its appearance on the market, GuruPay has managed to prove itself perfectly. I would say that the company occupied its niche in a timely manner, which allowed it to find a high demand among SMEs.

After all, we are talking about everyday banking products guaranteed by the reliability and security of the Bank of Lithuania. Combined with customizable payment solutions tailored to the specific needs of the business and a fast onboarding procedure, we got a forward-looking e-money institution. I assume that having gained experience, the company will expand its segment, which will help it to further grow its client base and put more competitive pressure on large market players in the foreseeable future.“

---

## Are you ready to start using GuruPay?

All you need to do is to go to the Finscanner marketplace, search for the [GuruPay profile](https://www.finscanner.io/products/gurupay/), and hit the "Apply" button. Next, you need to set up your Business or Individual account and pass verification. The application review procedure usually takes up to 2 business days when all the required documentation is provided.

If you still have any questions left, feel free to [contact us](http://support@finscanner.io/) directly today!

Looking for the top most secure online payment company? It is worth paying attention to GuruPay electronic money institution!

Review of GuruPay — Safe Payments

### Looking for an innovative banking solution of the digital era? It is worth paying attention to Bankera (Era Finance Ltd) electronic money institution!

Today, Finscanner will review this EMI with a selection of over 20 currencies and a range of services for both individuals and businesses. Our Bankera analysis covers everything you need to know about their open solutions and services, containing the latest information.

---

Learn more about EMIs in our article «[Banking with Electronic Money Institutions](https://www.finscanner.io/blog/post/banking-with-electronic-money-institutions-pros-cons/)».

---

Bankera is an authorized Lithuania-based electronic money institution founded in 2017. It offers multi-currency accounts, physical and virtual debit cards IBAN, SEPA, and SWIFT payments for businesses and individuals, as well as bank accounts for cryptocurrency businesses.

The crypto-friendly focus of Bankera allows its users to send and receive fiat money from/to crypto platforms. It offers a product that connects to the crypto exchange and wallets.

With a core team of about 40 people, the company intends to continue developing new features, such as margin trading and crypto investments, as well as experiment in the decentralized finance (DeFi) space.

Bankera has launched its iOS and Android mobile apps to make payment services easily accessible for Ukrainian refugees in Europe. **Expressing its support for Ukrainians, the company provides its services mostly for free.** There are no monthly maintenance, account opening, or card issuing fees, while transfers within Europe (SEPA) are free and instant. In the meantime, Bankera is working on Ukrainian language support.

According to Finscanner, the Bankera was placed in Top-3 best e-Money Institutions for high-risk businesses in 2022. Learn more here.

## ✅ Pros

* Personal account opening is free of charge
* Competitive pricing plans
* Crypto friendly accounts
* High transparency

## ❌ Cons

* Setup fee to be paid upfront (no guarantees)
* Unavailable in some locations such as in the US

---

**NOTE:** The above-mentioned pros and cons are drawn up by the Finscanner team’s point of view, while other Bankera reviews may say otherwise.

---


## Profile

Bankera is managed by Era Finance Ltd, a registered agent of Pervesk UAB – an electronic money institution authorized by the Central Bank of Lithuania (Licence No. 17) for the issuing of electronic money and payment instruments.

* **Currency:** 20+ currencies
* **Business focus:** Bank account alternative for individuals and businesses
* **Solutions:** Business Loans, Crypto-Friendly Business Accounts, Physical and Virtual Debit Cards
* **Customer groups:** EU residents, non-EU residents, crypto-friendly
* **Authorized activities:** Issuance of electronic money, execution of payment transactions on a payment account (not covered by a credit line), issuing payment instruments, or acquiring payment transactions.
* **Crypto-Related Activities:** Yes

### Personal pricing plan for EEA/non-EEA residents, UK, and Ukraine residents:

* Application Fee: Free
* Monthly Fee: Free
* Closing Fee: Free
* SEPA Outgoing: 0 - 1 EUR
* SEPA Incoming: Free
* SWIFT Outgoing: 2%
* SWIFT Incoming: 1%
* Crypto Exchanges (transfers to/from): Supported

### Business pricing plan for conventional industries within the EEA and UK: 

* Application Fee: Free
* Monthly Fee: 5 EUR
* Closing Fee: Free
* SEPA Outgoing: 0.1 EUR
* SEPA Incoming: Free
* SWIFT Outgoing: 0.2% + 7 EUR
* SWIFT Incoming: 18.00 EUR
* FX Markup Rates: 0.5%
* Crypto Exchanges (transfers to/from): Supported

### Business pricing plan for high-risk industries:

* Application Fee: 450.00 EUR - 900.00 EUR
* Monthly Fee: 50.00 EUR - 200.00 EUR
* Closing Fee: 200.00 EUR
* SEPA Outgoing: 0.04%
* SEPA Incoming: 0%-0.5%
* SWIFT Outgoing: 0.2% + 7 EUR - 0.5%
* SWIFT Incoming: 18.00 EUR - 0.5%
* FX Markup Rates: 0.65%
* Crypto Exchanges (transfers to/from): Supported

## Business Loans

Bankera offers corporate loans for small and medium-sized businesses to help them invoice financing, scale-up, expand online business operations. Loan specifics:
* Loan amount: from 2.000 EUR
* Interest rate:from 0.5% monthly
* Loan maturity:1 - 60 months
* Repayment: Flexible

## Payments

As a Bankera customer, you can use dedicated IBAN to have access to two major payment networks – SEPA and SWIFT, pay in different currencies, and use currency exchange services for incoming and outgoing transactions. SEPA Instant credit transfers are also supported to allow transferring money between European financial institutions in a matter of seconds.

## Debit Cards

Both physical and virtual Visa debit cards are compatible with ATMs all over the world. Businesses can apply for corporate cards linked to their company’s IBAN account for employees, business partners, or clients. 

Personal Debit Card is a single currency card, **it can be issued in EUR only**.

### Personal card pricing:

* Ordering: **Free**
* Monthly maintenance: **Free**
* Delivery (by mail/registered mail/courier): **Free/3 EUR/50 EUR**
* Card replacement: **10 EUR**
* Payments in shops (EUR) (in the EEA and UK): **Free**
* Payments in shops (not in EUR/outside EEA): **1%**
* ATM fees: **First three free withdrawals per month (EUR) (UK and EEA except Lithuania)**
* ATM fees over 3 withdrawals: **1 EUR/withdrawal**
* Withdrawals (not in EUR) (in the EEA and UK): **1%**
* Withdrawals (outside EEA): **2%**
* Withdrawals (in Lithuania): **1%**
* Balance enquiry: **0.5 EUR**

### Business card pricing (conventional/high risk):

* Issuing: **Free/19 EUR**
* Monthly maintenance: **Free/9 EUR**
* ATM withdrawals (in the EEA and UK): **2%/3%**
* ATM withdrawals (outside EEA): **2%/5%**
* Balance enquiry: **0.5 EUR**
* Payments in shops (EUR) (in the EEA and UK): **Free/1%**
* Payments in shops (not in EUR/outside EEA): **1% + 0.5 EUR**

## Crypto-Friendly Business Accounts

Bankera facilitates crypto-related businesses to open accounts for transfers to/from crypto platforms. Its bank account for cryptocurrency businesses works well for crypto brokers, exchanges, bitcoin mining farms, etc.

The crypto-client category is subject to the business pricing plan for high-risk industries (see above).


## Summary

To assign a rating score, Finscanner assesses such key criteria as the pricing of the services, onboarding difficulty, support quality (customer service), and service popularity. In summary, Bankera was assigned the overall rating of 4.2 (Excellent) which is explained in detail below.

![This ia an image](https://api-products.mig.finance/storage/2022/03/07/9175f5008398c17970fa32d375155112bd6f23fa.png)

## Expert Review of Bankera

![This is an image](https://api-products.mig.finance/storage/2022/02/17/2aa907c9781894a810db8f2874fb013247ce77b3.jpg)

---

“Bankera with its years of experience is a worthy alternative to traditional bank accounts. Accounts for European residents are free, while pricing for businesses depends on the industry and jurisdiction of the client. The company is always looking for timely solutions, for example, in the current geopolitical situation, one should note its proactive role in supporting Ukrainian refugees, to whom it also offers free services and helps in every possible way with opening accounts.

What also sets Bankera apart from the competition is that it is friendly to high-risk corporate clients such as cryptocurrency companies. We have previously ranked Bankera in our Top-10 list of e-money institutions for high-risk businesses in 2022. Opening a payment account for high-risk clients has long been an ongoing challenge, and Bankera is well positioned in this niche. Bankera's product portfolio continues to grow and the company is moving with confidence towards its goal of providing a full range of banking solutions in today's digital environment.“

---

## Are you ready to start using Bankera?

All you need to do is to go to the Finscanner marketplace, search for the [Bankera profile](https://www.finscanner.io/products/bankera/), and hit the "Apply" button. Next, you need to set up your Business or Individual account and pass verification. Once the verification application is submitted, it might take up to 24 business hours (3 working days) for the Bankera team to review it.

If you still have any questions left, feel free to [contact us](http://support@finscanner.io/) directly today!

Looking for an innovative banking solution of the digital era? It is worth paying attention to Bankera (Era Finance Ltd) electronic money institution!

Review of Bankera — Bank Account Alternative

### Looking for a wide range of payment solutions without the need for lengthy government procedures? One might consider Payswix electronic money institution as an appropriate option!

Today, Finscanner will review this EMI with a selection of over 70 currencies and a range of services for both individuals and businesses. Our Payswix analysis covers everything you need to know about their open solutions and services, containing the latest information.

---

### Learn more about EMIs in our article «[Banking with Electronic Money Institutions](https://www.finscanner.io/blog/post/banking-with-electronic-money-institutions-pros-cons/)».

---

* Payswix is an authorized Lithuania-based electronic money institution founded in 2017. It offers consumers electronic invoicing, local and international payments, currency conversion, electronic wallets, and other services, aiming to significantly expand this list shortly. 

* Since the beginning of the year, there have been major changes in the company in the form of rebranding, from now on the company operates under the «payswix» brand (formerly «globalnetint»). According to managers, the new identity marks the beginning of an active product development cycle. Additionally, Payswix is opening a new office in Vilnius, which will provide services to clients throughout Europe and beyond.

* With a core competent team of about 30 people and over 20 years of experience in the payments industry, the company intends to strengthen its position in the Lithuanian and international markets in 2022.

* According to Finscanner, the Payswix was placed in Top-5 best e-Money Institutions for high-risk businesses in 2022. Learn more [here](https://www.finscanner.io/blog/post/top-10-e-money-institutions-for-high-risk-business-in-2022/).

## ✅ Pros

* SWIFT/SEPA IBAN
* Low fees for transactions
* C2B accounts
* Crypto-friendly accounts
* Prepaid cards

## ❌ Cons

* Offshore high-risk merchants not allowed
* Long onboarding procedure
* No API
* No dedicated SWIFT IBAN

---

**NOTE:** The above-mentioned pros and cons are drawn up by the Finscanner team’s point of view, while other Payswix reviews may say otherwise.

---

## Profile

Payswix is authorized by the Bank of Lithuania in 2017 (authorization number LB000434). The Bank of Lithuania approved the first White Label Agent in 2018. In 2019 it received fully integrated SWIFT Code GLUALT22.

* **Currency:** 70+ currencies
* **Business focus:** Providing banking solutions
* **Solutions:** E-wallet Accounts (IBAN), Payments (SEPA & SWIFT), Prepaid Cards, Agency Program, Correspondent banking, E-shop payments (Coming soon)
* **Customer groups:** EU residents, non-EU residents, crypto-friendly
* **Authorized activities:** Issuance of electronic money, placing cash to a payment account, withdrawing cash from a payment account, execution of payment transactions on a payment account (not covered by a credit line), issuing payment instruments, or acquiring payment transactions money remittance
* **Crypto-Related Activities:** Yes
* **Pricing plan (Business):** 
Initial Fee: €49–€499; 
Monthly fee: €9–€99; 
SEPA: from €1; 
SWIFT: from €20; 
Initial CHAPS, BACS, Target 2: from €5. Find detailed fee information <OuterLink url="https://payswix.com/#pricing" text="here" />.

## E-wallet Accounts

In order to make multi-currency transactions worldwide and conveniently store funds in one place, Payswix offers you to get designated or multiple IBAN accounts. The EMI provides a secure environment and full autonomy to control and track your funds 24/7. Send and receive international payments to and from more than 170 countries in 70+ currencies.

## Payments

Apply for a payment account to start using payment and currency exchange services for incoming and outgoing SEPA and SWIFT transactions. Payswix provides a possibility to send funds between its clients completely free of charge.

## Prepaid Cards

From early this year, it offers contactless payswix prepaid multicurrency cards for business accounts with full access to funds for everyday expenses. The client is able to withdraw his funds at numerous ATMs worldwide. Additionally. Payswix provides the ability to create a separate IBAN to keep funds intended for prepaid card payments only.

## Agency Program

The Agency Program is a unique opportunity to work under the Payswix license, use its benefits and expand individual business in a variety of directions. Within the framework of the program, special attention is paid to saving the client-partners time and resources through complex support from developers, the marketing and sales department, as well as providing all kinds of advice. It takes around 2-3 months.

## Summary

To assign a rating score, Finscanner assesses such key criteria as the pricing of the services, onboarding difficulty, support quality (customer service), and service popularity. In summary, Payswix was assigned the overall rating of 4.00 (great) which is explained in detail below.

![This is an image](https://api-products.mig.finance/storage/2022/02/23/5c512508b3d598426f2386e338fedf9acc7b483f.png)

## Expert Review of Payswix

![This is an image](https://api-products.mig.finance/storage/2022/02/17/2aa907c9781894a810db8f2874fb013247ce77b3.jpg)

---

“Payswix sees its role as a one-stop payment solution, offering a variety of services under one roof for industries and businesses of all sizes. In my opinion, it has all the makings to strengthen its position as a highly competitive electronic money institution in the region. Still, the company has much to improve, take, for instance, it's business onboarding procedure. 

However, looking at the company from another angle, one may notice some of the successful steps it has already taken. Being at the center of the Fintech industry development, Payswix acknowledged the importance of establishing close partnerships and expanding the network by introducing the Agent program. This, along with the ongoing development of new products, the company's financial statements of previous years, its roadmap, and the extensive experience of the team, could reflect well in expanding the company's market share in 2022.“

---

## Are you ready to start using Payswix?

All you need to do is to go to the Finscanner marketplace, search for the [Payswix profile](https://www.finscanner.io/products/payswix-ex-globalnetint/) and hit the "Apply" button. Next, you need to set up your Business or Individual account and pass verification. Once you will complete all the necessary steps and successfully go through an onboarding process, the Payswix team will verify your information and approve the account. For individual accounts, it takes 3-5 business days. For business accounts, there is no exact time frame for corporate account activation.

If you still have any questions left, feel free to [contact us](https://www.finscanner.io/contacts/) directly today!

Looking for a wide range of payment solutions without the need for lengthy government procedures?

Review of Payswix — Connecting Payments

### Want to exchange crypto, participate in earning deposit programs, list a token, or conduct an IEO, then P2PB2B might be a great option to consider!

Today, Finscanner will review this trading and IEO platform with a selection of over 200 different cryptocurrencies and a range of services for both users and startups. Our [P2PB2B](https://www.finscanner.io/products/p2pb2b/) analysis covers everything you need to know about their open solutions and services, containing the latest information.

* [P2PB2B](https://www.finscanner.io/products/p2pb2b/) is an Estonian-based crypto exchange founded in 2018. It has basic features and tools for trading, earning deposit programs, regular gamification events like airdrop, trading competitions, referral program games. It also offers Crypto Startup Partner initiative to help their clients develop their community, support liquidity, create growth strategies.
* The platform provides 200+ currencies paired with BTC, ETH, USD, USDT, etc. It also offers its own PACT native token designed to increase profit, save funds on commissions and get exclusive airdrops.
* The claimed distinguishing feature of [P2PB2B](https://www.finscanner.io/products/p2pb2b/) is support for processing speed of up to 10,000 trades every second and 1,000,000 TCP connections.

## Pros

* High trading volumes & good liquidity
* Sound security infrastructure
* Simplified user interface
* Opportunity to reduce trading fees
* High-interest rates via the Locked Earning option
* Additional activities to promote projects or participate in airdrops and competitions

## Cons

* Lack of info about the team
* Lack of up-to-date trade instruments
* Low-interest rates via Flexible Earning option
* High withdrawal fees on some assets, including BTC

---

NOTE: The above-mentioned pros and cons are drawn up by the Finscanner team's point of view, while other [P2PB2B](https://www.finscanner.io/products/p2pb2b/) reviews may say otherwise.

---

## Profile

[P2PB2B](https://www.finscanner.io/products/p2pb2b/) operators include the company DIGITAL ONE SOFTWARE LIMITED, other parties that run [P2PB2B](https://www.finscanner.io/products/p2pb2b/), including but not limited to legal persons, unincorporated organizations, and teams that provide [P2PB2B](https://www.finscanner.io/products/p2pb2b/) services. In part of providing services, [P2PB2B](https://www.finscanner.io/products/p2pb2b/) is managed exclusively by the company UniFinance LLC, company number 292LLC2020, registered in Saint Vincent and the Grenadines in accordance with its Terms of Services.

* **Exchange type:** Centralized
* **Area of activity:** Providing a virtual currency service
* **Products & Services:** Trade, Earning, PACT Staking, Referral Games, Launchpad, IDO
* **Verification:** Yes
* **Native Token:** Yes
* **Fees:** Trading fee - 0,2% (without PACT); Deposit fee-free; BTC Withdrawal fee - 0.0015 BTC. Find detailed fee information here.
* **Security:** WAF, 2FA, Cold-Storage
* **Restricted countries:** Trading activities may be restricted in part or in full for the citizens of the United States, Canada, UK, Australia, France, Japan, People's Republic of China

## Trade

The trading interface is pretty simple and standard. Therefore, even a beginner can easily understand how it all works. Perhaps, one of the main limitations of [P2PB2B](https://www.finscanner.io/products/p2pb2b/) is the lack of futures/margin trading and any advanced set of tools. This might be good for the average user, but it can be a huge disadvantage for professional/advanced traders.

## Earning

There are 3 options to consider: Locked Earning, Flexible Earning, Earning Pool. The annual interest rates for the locked earning are the highest, and you can choose either a 7, 14, 30, or 90-day duration; the only downside is that there are only 3 tokens available for locked earning. However, the flexible earning and earning pool options have a much larger variety of tokens available.

## PACT Staking

PACT is the governance token of the [P2PB2B exchange](https://www.finscanner.io/products/p2pb2b/). The more the user stake PACT, the higher APY and earning bonuses he/she gets. All interest is rewarded in the form of PACT as well. The minimum amount necessary for staking is 100 PACT, and the current interest rate ranges from 16% - 40%. There is also an additional interest on Add Funds Earning Programs that will be on top of the interest.

* The staking period is 180 days.
* Interest is credited to the main account every 7 days.
* If the referral joins PACT Community and participates in PACT Staking, the referrer will receive 10% from the referral's staking balance.
* Bonus PACT will be credited to the PACT account in LOCKED status.
* **[P2PB2B exchange](https://www.finscanner.io/products/p2pb2b/) rewards newcomers with 30 free PACT tokens.**

## Referral Program

The [P2PB2B](https://www.finscanner.io/products/p2pb2b/) referral program is topped off by Referral Games. Users who recommend a certain platform to their friends are paid a certain amount of points for their activities. The points are later calculated and converted into coins according to the total prize pool. Every season, the type of coin for reward is changed.

**Points are credited for the following actions of the user:**

* 100 points after an invited referral registers on the exchange and passes [KYC](https://www.finscanner.io/blog/post/what-is-kyc-how-important-is-it-for-the-global-crypto-community/);
* 20 points for each project coins add funds;
* 10 points for each add funds according to the rules of the game.

**Points are credited for the following actions of the referrals:**

* 10 points for each project coins add funds;
* 5 points for each add funds of currencies according to the rules of this game.

**Currently, there are no active referral games.**

## Launchpad

The launchpad program provides users with an opportunity to invest in early startup cryptocurrency companies/projects.

For startups, [P2PB2B](https://www.finscanner.io/products/p2pb2b/) offers the following services to help them grow and develop:

* Setting up and developing the project's social media platforms.
* Integrating and adding the project on the [P2PB2B](https://www.finscanner.io/products/p2pb2b/) platform.
* Launching the project through initial fundraising.
* Holding internal promotions, promotions for the external crypto community, an AMA session, and performing an analysis of the overall performance.

## Conclusion

The main criteria for determining the overall assessment are the pricing of the services, onboarding difficulty, support quality (customer service), and service popularity. In terms of the vast amount of [reviews](https://www.finscanner.io/products/p2pb2b#finscanner-trustpilot-reviews) provided by Finscanner's partner TrustPilot, the overall customer experience in working with [P2PB2B](https://www.finscanner.io/products/p2pb2b/) is the above-average score.

![This is an image](https://api-products.mig.finance/storage/2022/02/17/48788f9c997b6786e05390fbb93c63b31285047d.png)

Being a relatively young crypto exchange, it has already managed to establish itself in space. However, to stay competitive it needs advanced trading features and more transparency. For now, the noteworthy advantages of [P2PB2B](https://www.finscanner.io/products/p2pb2b/) are ease of use and earning/staking opportunities.

## Expert Review of P2PB2B

![This is an image](https://api-products.mig.finance/storage/2022/02/17/2aa907c9781894a810db8f2874fb013247ce77b3.jpg)

---

“I believe [P2PB2B](https://www.finscanner.io/products/p2pb2b/) has all potential to become a much stronger exchange. However, at the moment, the lack of information about the team can drive the potential users away from the platform. Besides, the niche of crypto exchanges is quite well developed, and in order to stand out from competitors, it is necessary to focus not only on the basic set of features but also on unique optionality. Thus, some users who may be looking for wider functions and advanced trading tools will probably be more satisfied with other platforms.

Anyways, [P2PB2B](https://www.finscanner.io/products/p2pb2b/) is not a small-time player and users can surely rely on its trading performance and multicurrency variety. Many entry-level traders will safely find its interface very simple to use. Once again, there is room for improvement and the platform can surpass some of its major competitors.“

---

## Are you ready to start using P2PB2B?

All you need to do is to go to the Finscanner marketplace, search for the [P2PB2B profile](https://www.finscanner.io/products/p2pb2b/), and hit the "Apply" button. Next, you need to set up your account and pass [KYC verification](https://www.finscanner.io/blog/post/what-is-kyc-how-important-is-it-for-the-global-crypto-community/). To list coin/token, the applier has to submit a request on the listing page. To launch an IEO, the applier has to submit a request on the IEO page. The [P2PB2B](https://www.finscanner.io/products/p2pb2b/) team will respond within 24 hours.

If you still have any questions left, feel free to [contact us](https://www.finscanner.io/contacts/) directly today!

Want to exchange crypto, participate in earning deposit programs, list a token, or conduct an IEO, then P2PB2B might be a great option to consider!

Review of P2PB2B —Make Things Hap2pen

Looking for a universal licensed platform for trading and exchanging cryptocurrencies, then WhiteBIT might be a great option to consider!

Today, Finscanner will review this crypto-to-fiat exchange that operates in more than 190 countries and offers a wide range of crypto services for both new and professional traders. Our WhiteBIT analysis covers everything you need to know about their open solutions and services, containing the latest information.

* WhiteBIT is an Estonian-based crypto exchange founded in 2017. It has several exchange interfaces—basic and pro-trade tools, margin trading platform, quick-swap service, peer-to-peer exchange, and a decentralized exchange. There are also smart staking and trading competition features.

* The platform provides 150+ cryptocurrencies that users can purchase with fiat like USD, EUR, UAH, RUB via Visa and Mastercard, as well as [Advcash](https://www.finscanner.io/products/advcash), Qiwi, Mercuryo, Geo-Pay, Interkassa, [monobank](https://www.finscanner.io/products/monobank), and Perfect Money.

* With a team of 350+ members, WhiteBIT has a global reach with a primary focus on European and CIS markets. It claims to have over 1 million users.

## Pros

* Large trading volumes & good liquidity
* Sound security infrastructure
* Flexible trading interface
* Unchangeable low commissions
* High yield staking option

## Cons

* Only website and email communication form, no alternative methods of prompt communication
* Lock-up periods for staking
* No choice of trading orders

## Profile

WhiteBIT’s platform is managed by “WhiteBIT Group“—the companies Clear White Technologies Limited (Hong Kong), Whitebit Solutions LLP (England and Wales), Clear White Solutions Limited (BVI), unincorporated organizations and teams that provide WhiteBIT services and are responsible for such services.

* **Legal name:** Whitebit Financial Company OÜ
* **Area of activity:** Providing a virtual currency service
* **License number:** FVT000351
* **Products & Services:** Exchange, DEX, SMART Staking, Apps, Referral program, AML, Token listing
* **Verification:** Yes
* **Native Token:** No
* **Fees:** Standard trading fee never exceeds 0,1%, Daily fee for using funds in margin trading 0,098%. Find detailed fee information <noindex><a href="https://whitebit.com/fees" rel="nofollow noopener" target="_blank">here</a></noindex>.
* **Security:** WAF, 2FA, Anti-Phishing software
* **Restricted countries:** Afghanistan, Iraq, Iran, Yemen, Libya, Pakistan, Palestine, Somalia, Syria, Sudan, USA (except for SEO projects), Parts of Donetsk and Luhansk regions, Crimea.

## Main Features

WhiteBIT offers a wide range of features to trade or exchange crypto-to-crypto and fiat-to-crypto. It has several exchange interfaces:

* **Basic & PRO Trade.** Both interfaces provide enough features for full-fledged trading. PRO has some additional features such as margin trading with up to 5x leverage. On both interfaces, users can place different types of orders to help prevent risks. Supported order types: market orders, limit orders, stop-limit orders, stop-market orders, stop-conditional orders, and market-conditional orders.

* **Quick swapping (Exchange).** The feature allows you to swap one of 16 cryptocurrencies for euros, rubles, or hryvnia, as well as for several crypto coins.

* **P2P (Bitcoin Global).** A marketplace where users can quickly buy and sell cryptocurrency to each other without KYC. It is available in 160+ countries. The platform supports over 100 currencies and half a dozen payment methods. The 1-month is 0% fee.

* **DEX (WhiteSwap).** It is an automated market-making (AMM) exchange with a WSE governance token.


## Smart Staking

One of the distinctive advantages of WhiteBIT in the highly competitive environment of crypto exchanges is SMART staking. Users who prefer not to trade or simply hold can deposit their assets on the exchange at interest.

Currently, the exchange already offers over 120 plans. Users can deposit their funds for periods from 10 days to a year. The profit depends on the size of the deposit and the duration of the assets on the exchange—from 0.4% to 45%. For example, the annual interest rate for BTC, ETH, USDT is 28%, and 30%, respectively.

## Additional features

* **WhiteBIT mobile iOS and Android apps** allow users to have quick access to the prices of digital assets they need and trade anywhere anytime.

* **Demo token WhiteBIT** allows users to hone their trading skills, study the market features and instruments, work out their trading strategy in a comfortable atmosphere and without any risks.

* **WhiteBIT referral program** allows users to receive 40% of every trading fee paid by the people they have invited to sign up on the exchange via the referral link.

* **WhiteBIT listing** allows projects to submit an application to list their newly developed token/coin on the exchange.

## Conclusion

The main criteria for determining the overall assessment are the pricing of the services, onboarding difficulty, support quality (customer service), and service popularity. In terms of the vast amount of [reviews](https://www.finscanner.io/products/whitebit#finscanner-trustpilot-reviews) provided by Finscanner's partner TrustPilot, the overall customer experience in working with WhiteBIT is an above-average score.

![This is an image](https://api-products.mig.finance/storage/2022/02/17/8bc4923d2f2d6cde1ba9bc5411d8181e9f56a8b1.svg)

Being a relatively young crypto exchange, it has already managed to get a significant user base. The noteworthy advantages of WhiteBIT are smart staking, low fees, and commission.

## Expert review of WhiteBIT

![This is an image](https://api-products.mig.finance/storage/2022/02/17/2aa907c9781894a810db8f2874fb013247ce77b3.jpg)

---

“WhiteBit is a promising licensed cryptocurrency exchange that has made quite an impression in the crypto world. The first thing that catches one’s eye is the extremely enjoyable commission, as well as highly profitable staking. Combined with multiple deposit and withdrawal options and a simplistic interface, many novice traders and investors can enter the trading game with greater ease and convenience. In addition, the platform has introduced basic training and testing demo version, which are also helpful for new users.

The exchange continues on its growth trajectory, making additional changes to improve the user experience. At the moment, it has no registered instances of a scam. The latest CMC trading volume speaks for itself. Over the past 3 years, it has increased approximately by 3000%.“

---

## Are you ready to start using WhiteBIT?

All you need to do is to go to the Finscanner marketplace, search for the [WhiteBIT profile](https://www.finscanner.io/products/whitebit) and hit the “Apply” button. Next, you need to set up your account and pass KYC verification (users without KYC have withdrawal limits). The procedure can take up to 24 hours. After processing, the user will be informed about the result via Email. Download the mobile app (if necessary).

If you still have any questions left, feel free to [contact](mailto:support@finscanner.io) us directly today!

Looking for a universal licensed platform for trading and exchanging cryptocurrencies, then WhiteBIT might be a great option to consider!

Review of WhiteBIT—Take Investments To The Next Level

If you operate internationally, need to pay suppliers and contractors, or outsource jobs overseas, then Airwallex UK Ltd might be a great option to consider!

Today, Finscanner will review this electronic money institution providing global accounts, borderless cards, and money transfer services — as well as a suite of payments APIs aimed at businesses for payments. Our Airwallex analysis covers everything you need to know about their open solutions and services, containing the latest information.

* Airwallex is a global payments fintech founded in Melbourne, Australia in 2015. It provides business accounts that enable high-speed and low-cost international payments and accept payments from anywhere in the world. The core products of Airwallex include domestic and international accounts, multicurrency payment cards, and wallet.
* Its global payments network can process domestic and international transfers in 30+ currencies and 130+ countries.
* Airwallex has grown to over 1,000 people across 19 international offices in 11 territories. It has around 20,000 customers covering areas like e-commerce, tech/SaaS companies, and professional services. It also has 500 platform customers that have embedded Airwallex’s services within their own services to power transactions.

## Profile

Airwallex Limited, company number 10103420, is located in LONDON, United Kingdom, and is part of the nondepository credit intermediation industry.

![This is an image](https://miro.medium.com/max/1400/1*FHMZtNabPJbWfPUxdrZKbQ.png)

## Global account

Global Account is an Airwallex collection capability that works like a bank account. It provides you with an account number that allows you to collect funds from various platforms such as PayPal, Amazon, or your merchants via SWIFT and/or the domestic payment method.

For domestic payments, you can get an account in:

* Australia: AUD, NZD, SGD, CAD
* United States: USD, NZD
* EU: EUR, CHF, SGD, CAD
* Great Britain: GBP, CHF, SGD
* Japan: JPY
* Hong Kong: USD, HKD, CNY
* And for SWIFT payments, find the full list of 30 currencies [here](https://www.airwallex.com/uk/features/transfers).

Global Accounts collect the payments for you and transfer them all to your Airwallex Wallet. From the wallet (where your money is held), you’ll be able to send payments.

## Wallet

Your Wallet is the main store of funds in your account that provides valuable information about the funds you hold and your recent transaction history. Your account will include Wallets for each currency that you hold with Airwallex.

## Borderless Card

Airwallex Borderless Card is a virtual multi-currency debit card issued by Visa that allows you to make payments in multiple foreign currencies and pay for goods and services both online and in-store. **Physical cards will be available in the UK soon.**

* **0% international card fees.** No more surprise foreign transaction fees on expenses like software subscriptions or marketing. Reinvest every dollar back into growth.
* **Pay directly with your multi-currency balance.** Expenses are charged directly from your multi-currency wallet, eliminating unnecessary FX conversions where possible.
* **Auto-convert at the best FX rates for international card transactions.** Even when you don’t have the needed currency balance, Airwallex automatically converts your funds at its market-leading FX rates.

## Bottom line

The main criteria for determining the overall assessment are the pricing of the services, onboarding difficulty, support quality (customer service), and service popularity. In terms of the vast amount of reviews provided by Finscanner’s partner [TrustPilot](https://www.trustpilot.com/), the overall customer experience in working with Airwallex is highly rated. The noteworthy advantage of Airwallex is minimal transaction fees and competitive exchange rates, which make it a truly fit money-saving option for a business of any size needing to make regular overseas payments.

## Are you ready to start using Airwallex?

All you need to do is to go to the Finscanner marketplace, search for the [Airwallex profile](https://www.finscanner.io/products/airwallex-uk-ltd), and hit the “Apply” button. Next, you need to set up your free boardless account, get verified, and provide business details. Make sure you have carefully entered your information before submitting your verification. After that, you will have to wait for the Airwallex team to review your information. This process usually takes 1–3 business days, and if any additional details regarding your application are required, a member of the Airwallex team will contact you.

If you still have any questions left, feel free to [contact us](contact us) directly today!

If you operate internationally, need to pay suppliers and contractors, or outsource jobs overseas...

Review of Airwallex — Empowering Businesses

How to combine the benefits of digital money and the features of traditional finances in one place? The answer is — [TRASTRA Ltd](https://www.finscanner.io/products/trastra-ltd)!

Today, Finscanner will review this banking company providing services to fulfill all customers’ crypto needs. Our TRASTRA analysis covers everything you need to know about their open solutions and services, containing the latest information.

* TRASTRA is a UK-based payment solution for crypto users founded in London in 2017. It allows its users to easily exchange cryptocurrency to euro and vice versa. The core products of TRASTRA include a TRASTRA Visa Debit card, a Mobile app, and Crypto Wallet.
* Payment solutions offered by TRASTRA allow users to keep their funds in 7 major cryptocurrencies (BTC, ETH, XRP, LTC, BCH. USDC, and USDT).
* TRASTRA team has more than 50 years of combined experience in banking-services development with a mission to bridge the gap between legacy finance and the new token economy. By creating the infrastructure for using crypto in daily lives, TRASTRA adds speed, security, and convenience to any transaction on its network be it a SEPA transfer, a receipt of euros via a personal IBAN, or a simple exchange of crypto to fiat and vice versa.

## Profile

TRASTRA Limited is registered with the UK’s Financial Conduct Authority under company number: 10966907.

![This is an image](https://miro.medium.com/max/1400/1*dyfht5L51vcPnywdW6PB_A.png)

## Payment Card

TRASTRA payment card is a Visa crypto debit card that offers its owner to top up using either the TRASTRA wallet, an external cryptocurrency wallet, a wire transfer, or a personal IBAN for receiving euros. The card supports PayPass technology and can be used at ATMs to withdraw cash or to make online and offline purchases at Visa merchants worldwide.

The card is available for all residents of the European Economic Area (EEA) and can also be used around the world for paying/receiving remittances and salaries in crypto, shopping, merchant payments, sending and receiving payments to/from other cardholders, paying bills, and transferring money to local banks.

* A personal IBAN
* A high daily POS spend limit of €8,000
* Anti-fraud protection
* Device authorization
* Anti-skimming technology
* Instant card block facility
* 2 Factor Authentication (2FA)
* 3D security protocol

For the businesses that generate cryptocurrency revenue, TRASTRA additionally offers a comprehensive solution for paying/receiving salaries in crypto.

## Crypto Wallet

TRASTRA cryptocurrency wallet is a place to store 7 of the world’s most popular cryptocurrencies, in addition to exchanging them for fiat currency. With TRASTRA’s crypto wallets, you can store, send, receive, exchange, and withdraw cryptocurrency.

## Mobile App

TRASTRA mobile app is used to manage crypto wallet on the go. It is available for download on the App Store and Google Play. Users can create multiple crypto wallets, use its integrated QR code scanner to send/receive crypto, choose mining fees, search for transactions, keep track of all inbound and outbound transactions, and receive push notifications for account activity.

## Bottom line

The main criteria for determining the overall assessment are the pricing of the services, onboarding difficulty, support quality (customer service), and service popularity. In terms of the vast amount of reviews provided by Finscanner’s partner [TrustPilot](https://www.trustpilot.com/), the overall customer experience in working with TRASTRA is highly rated. The very niche of TRASTRA services enables the company to be innovative at the technological frontier. Considering the instantaneous nature of its POS and e-POS transactions with high limits and low fees, as well as handy online products, TRASTRA becomes an excellent option for fast cryptocurrency banking in EEA.

## Are you ready to start using TRASTRA?

All you need to do is to go to the Finscanner marketplace, search for the [TRASTRA profile](https://www.finscanner.io/products/trastra-ltd) and hit the “Apply” button. Next, you need to set up your payment account, create a crypto wallet and download a mobile app. To order a debit card, you need to be a [resident of an EEA country](https://trastra.com/faq/top-questions/list-of-countries-in-the-european-economic-area-eea/); just choose an appropriate tab and fill out the form. Done! Your TRASTRA Visa card will be delivered within 7–10 business days.

If you still have any questions left, feel free to [contact us](mailto:support@finacanner.io) directly today!

How to combine the benefits of digital money and the features of traditional finances in one place?

Review of TRASTRA — Personal Banking for Crypto

Payment systems are one of the vital infrastructural elements of the payment market. Today, Finscanner will review one of the leading innovative financial platforms — [DynaPay Ltd](https://www.finscanner.io/products/dynapay-ltd).

If you’re looking for a good banking alternative then this payment provider might suit you well. Our DynaPay analysis covers everything you need to know about their open solutions and services, containing the latest information.

* DynaPay is a UK-based authorized electronic money institution established in 2017 (part of the DYNINNO Group founded in 2004). It offers Payment Accounts (Virtual IBANs), Payment Acceptance Services and an open API that allows customers to incorporate payment capabilities into their existing business infrastructure.

* Accounts offered by DynaPay are multi-currency accounts, allowing account holders to keep their funds in 30+ currencies (including EUR, USD, GBP, CHF, ILS, HUF, PLN, JPY, CNY, HKD, and SGD) to over 180 countries. In addition to a multi-currency account, DynaPay is offering local UK accounts, where it has its own Sort Code and local accounts in the US for EU and UK registered entities.

* It supports over 15 global and local payment schemes, including SEPA, SEPA instant, SWIFT, Target2, Faster Payments, CHAPS, ACH, FedWire, and others.

* DynaPay is a progressively thinking team of banking experts, following the ultimate goal of sharing their know-how in the FinTech industry.

* Being part of DYNINNO Group. DynaPay can capitalise on its call center infrastructure and expertise in providing personalised service remotely. All customers are allocated a dedicated Account Manager who is there to support his business and make dealing with DynaPay a personal experience.

## Profile

DynaPay Limited is authorized and regulated by the Financial Conduct Authority in the United Kingdom with reference number 900840.

![This is an image](https://miro.medium.com/max/1400/1*m9__t5GHkLkA7rHvavNM9w.png)

## Business Payment Account

Business Payment Account is a multi-currency account that is offered with several pricing plans for different customer groups, namely DynaPay Basic, EEA Registered Entity, Multinational Entity.

* **DynaPay Basic.** UBO(s) and Director(s) are residents of the EU/EEA region. Entity is registered either within EU/EEA and is conducting low-risk business activities.

* **EEA Registered Entity.** UBO(s) and Director(s) are residents of the EU/EEA region. Entity is registered either within EU/EEA.

* **Multinational Entity.** UBO(s) and Director(s) are not residents of the EU/EEA region. Entity is registered either within EU/EEA or Hong Kong and Canada.

## Bottom line

The main criteria for determining the overall assessment are the pricing of the services, onboarding difficulty, support quality (customer service), and service popularity. Notwithstanding a limited sample of reviews provided by Finscanner’s partner [TrustPilot](https://www.trustpilot.com/), the overall customer experience in working with DynaPay is highly rated. In this way, DynaPay can be considered an excellent business payment provider that rapidly evolves on the market with a primary focus on the UK & Europe.

---
### At the moment, DynaPay offers a 3-month trial with no monthly fee. [Apply now](https://www.finscanner.io/products/dynapay-ltd)
---

## How to open a DynaPay account

Account opening is completely remote and online. All you need to do is to go to the Finscanner marketplace, search for [DynaPay](https://www.finscanner.io/products/dynapay-ltd) profile and hit the “Apply” button. The further procedure takes 24 hours from the time you send all the documents to have your account operational. You will have personal manager support during the onboarding stage to pass KYC as smoothly as possible. You can then enter your DynaPay account, fund it and start using it.

If you still have any questions left, feel free to [contact us](support@finscanner.io) directly today!

Payment systems are one of the vital infrastructural elements of the payment market.

Reviews & insights