# BinaxPay Full Public Platform Index

## Company
- Public name: BinaxPay
- Legal name: BinaxPay Holding Ltd
- Company number: 16830503
- Registered address: 167–169 Great Portland Street, 5th Floor, London, England, W1W 5PF
- Support email: support@binaxpay.com
- Phone: +49 163 333 2543
- Telegram: @binaxpay
- Official website: https://www.binaxpay.com

## Positioning
BinaxPay is operated by BinaxPay Holding Ltd. The platform provides one technology and user-experience layer across connected regulated financial institutions, payment providers, card providers, digital-asset providers, identity-verification providers, compliance systems, and specialised service providers. BinaxPay is not limited to one provider. Actual financial-service availability depends on the customer, jurisdiction, selected programme, connected provider, compliance review, eligibility, regulatory requirements, and final agreement.

## Global availability notice
BinaxPay platform functionality may be technically implemented while the corresponding regulated or provider-delivered service remains subject to activation. Availability depends on the user or company, jurisdiction, selected programme, provider coverage, eligibility, compliance approval, regulatory requirements, technical readiness, and final agreement.

## Capability catalogue
### Multi-provider financial platform
- ID: multi-provider-platform
- Status: available
- Summary: BinaxPay is designed to connect multiple regulated and specialised providers through one platform rather than depending on one universal financial provider.
- Capabilities:
  - Account-provider integrations
  - Payment-provider integrations
  - Card-provider integrations
  - Foreign-exchange integrations
  - Digital-asset integrations
  - Identity-verification integrations
  - KYC and KYB workflows
  - AML, sanctions, and PEP screening workflows
  - Fraud and risk integrations
  - Contract and legal-acceptance integrations
  - Support and communication integrations
  - Provider routing and provider synchronisation
  - Unified customer and administrative experiences
- Availability conditions:
  - Provider contract and programme approval
  - Jurisdictional coverage
  - Technical integration readiness
  - Compliance requirements
  - Customer or business eligibility
- Prohibited claims:
  - Every provider is available in every country
  - Every customer has access to every integration
  - BinaxPay itself performs every regulated service
  - Provider approval is automatic
- Official URLs:
  - https://www.binaxpay.com/
  - https://www.binaxpay.com/about
  - https://www.binaxpay.com/company
  - https://www.binaxpay.com/white-label

### Private financial platform
- ID: private-platform
- Status: available_subject_to_provider
- Summary: The BinaxPay private platform is implemented and provides eligible private users with a connected financial workspace. Account issuance and regulated services remain subject to the applicable provider, programme, jurisdiction, eligibility, and compliance approval.
- Capabilities:
  - Digital onboarding
  - Personal-information collection
  - Address collection
  - Identity verification
  - Proof-of-address support
  - Contract and legal acceptance
  - Personal financial accounts
  - Multi-currency account access
  - Local receiving details
  - International receiving details
  - Account balances
  - Account statements
  - Transaction history
  - Payment initiation
  - Recipient management
  - Domestic transfers
  - International transfers
  - Foreign exchange
  - Virtual cards
  - Physical cards where available
  - Card controls
  - Security controls
  - Customer support
  - Downloadable documents
  - Digital-asset access where enabled
  - Gold-service access where enabled
- Availability conditions:
  - Individual eligibility
  - Identity and compliance approval
  - Provider availability
  - Country coverage
  - Programme configuration
  - Published contract acceptance
- Prohibited claims:
  - Every applicant receives an account
  - Every applicant receives a card
  - Every country supports the same services
  - Account approval is guaranteed
  - Card issuance is guaranteed
- Official URLs:
  - https://www.binaxpay.com/private
  - https://www.binaxpay.com/accounts
  - https://www.binaxpay.com/payments
  - https://www.binaxpay.com/cards
  - https://www.binaxpay.com/private/pricing

### Business financial platform
- ID: business-platform
- Status: available_subject_to_provider
- Summary: BinaxPay provides a business financial workspace for eligible companies, with financial operations, team controls, reporting, compliance, and provider-connected services in one platform.
- Capabilities:
  - Business onboarding
  - KYB
  - Ownership and director verification
  - Business accounts
  - Multi-currency balances
  - Payments
  - Transactions
  - Recipients
  - Business cards
  - Expenses
  - Team members
  - Roles and permissions
  - Reports
  - Compliance workspace
  - Integrations
  - Support
  - Settings
  - Approval workflows
  - Operational controls
- Availability conditions:
  - Company eligibility
  - KYB and compliance approval
  - Supported company type
  - Supported jurisdiction
  - Provider and programme availability
- Prohibited claims:
  - Every company is eligible
  - Every business receives all services
  - Approval is instant or guaranteed
  - Every feature is available in every jurisdiction
- Official URLs:
  - https://www.binaxpay.com/business
  - https://www.binaxpay.com/accounts
  - https://www.binaxpay.com/payments
  - https://www.binaxpay.com/cards

### Accounts
- ID: accounts
- Status: available_subject_to_provider
- Summary: BinaxPay supports account functionality for eligible private users, businesses, and approved White Label programmes through connected financial providers.
- Capabilities:
  - Personal accounts
  - Business accounts
  - Multi-currency accounts
  - Sub-accounts
  - IBANs where supported
  - Local account details
  - International receiving details
  - Account balances
  - Account statements
  - Transactions
  - Provider synchronisation
  - Account lifecycle management
- Availability conditions:
  - Provider coverage
  - Supported currency
  - Supported jurisdiction
  - Eligibility
  - Compliance approval
  - Programme configuration
- Prohibited claims:
  - BinaxPay directly issues every account
  - IBANs are available universally
  - Accounts are guaranteed
  - All currencies are available to every user
- Official URLs:
  - https://www.binaxpay.com/accounts
  - https://www.binaxpay.com/private
  - https://www.binaxpay.com/business

### Payments
- ID: payments
- Status: available_subject_to_provider
- Summary: BinaxPay supports payment operations through connected account, payment, and banking providers.
- Capabilities:
  - Internal transfers
  - Local payments
  - International payments
  - SEPA where available
  - SWIFT where available
  - Scheduled payments
  - Bulk payments where enabled
  - Payment approval workflows
  - Recipient management
  - Payment tracking
  - Foreign-exchange conversion
  - Provider routing
  - Payment APIs for approved integrations
- Availability conditions:
  - Payment rail availability
  - Provider availability
  - Currency support
  - Jurisdiction
  - Compliance checks
  - Account status
  - Transaction limits
- Prohibited claims:
  - Every payment is guaranteed
  - Every payment rail is available everywhere
  - Payments cannot be delayed or rejected
  - Final fees are identical in every market
- Official URLs:
  - https://www.binaxpay.com/payments
  - https://www.binaxpay.com/business
  - https://www.binaxpay.com/private

### Cards
- ID: cards
- Status: available_subject_to_provider
- Summary: BinaxPay supports card programmes and card controls through connected card and financial-service providers.
- Capabilities:
  - Virtual cards
  - Physical cards where available
  - Card issuance workflows
  - Card activation
  - PIN-related controls where supported
  - Card freezing and unfreezing
  - Card limits
  - Card transaction visibility
  - Card replacement workflows
  - Security controls
  - Digital-wallet support where available
- Availability conditions:
  - Card-provider coverage
  - Customer eligibility
  - Country support
  - Programme approval
  - Card type
  - Compliance approval
- Prohibited claims:
  - Every applicant receives a card
  - Physical cards are available everywhere
  - Apple Pay or Google Pay is universally available
  - Card issuance is immediate or guaranteed
- Official URLs:
  - https://www.binaxpay.com/cards
  - https://www.binaxpay.com/private
  - https://www.binaxpay.com/business

### Foreign exchange
- ID: foreign-exchange
- Status: available_subject_to_provider
- Summary: BinaxPay supports multi-currency balances and currency-conversion functionality through connected financial providers where enabled.
- Capabilities:
  - Multi-currency balances
  - Currency conversion
  - Exchange-rate presentation
  - FX transaction history
  - Conversion during supported payment flows
  - Provider-connected pricing
- Availability conditions:
  - Supported currency pair
  - Provider availability
  - Market hours where applicable
  - Account eligibility
  - Transaction limits
  - Programme configuration
- Prohibited claims:
  - Rates are guaranteed
  - Every currency pair is supported
  - Published examples are final executable prices
  - FX is available in every programme
- Official URLs:
  - https://www.binaxpay.com/accounts
  - https://www.binaxpay.com/payments
  - https://www.binaxpay.com/private
  - https://www.binaxpay.com/business

### Digital assets and crypto
- ID: digital-assets
- Status: available_in_approved_programmes
- Summary: BinaxPay supports digital-asset and crypto functionality through connected specialised providers in programmes and jurisdictions where the service is enabled.
- Capabilities:
  - Digital-asset onboarding
  - Crypto wallets
  - Supported crypto balances
  - Buying supported assets
  - Selling supported assets
  - Asset conversion
  - Deposits where enabled
  - Withdrawals where enabled
  - Digital-asset transaction history
  - Compliance screening
  - Provider-integrated wallet or custody infrastructure
  - Digital-asset functionality for approved White Label programmes
- Availability conditions:
  - Jurisdictional permission
  - Provider coverage
  - Customer eligibility
  - Compliance approval
  - Supported asset
  - Programme activation
  - Transaction limits
- Prohibited claims:
  - Crypto is available in every jurisdiction
  - BinaxPay is independently licensed for every crypto service
  - Every asset is supported
  - Investment returns are promised
  - Digital assets are financial advice or investment advice
- Official URLs:
  - https://www.binaxpay.com/white-label
  - https://www.binaxpay.com/private
  - https://www.binaxpay.com/business

### Gold services
- ID: gold-services
- Status: available_in_approved_programmes
- Summary: BinaxPay supports gold-related platform functionality in enabled programmes. Availability depends on the applicable provider, product structure, jurisdiction, compliance review, and programme configuration.
- Capabilities:
  - Gold-service discovery
  - Gold-related balances or holdings where supported
  - Buy or sell workflows where enabled
  - Transaction history
  - Provider-connected settlement
  - Customer support
  - Compliance checks
- Availability conditions:
  - Provider activation
  - Jurisdiction
  - Product eligibility
  - Compliance approval
  - Programme configuration
- Prohibited claims:
  - Gold services are available everywhere
  - BinaxPay guarantees gold prices
  - Gold products guarantee returns
  - Every account includes gold access
- Official URLs:
  - https://www.binaxpay.com/white-label
  - https://www.binaxpay.com/private

### White Label financial platform
- ID: white-label
- Status: available_in_approved_programmes
- Summary: BinaxPay provides a configurable White Label financial-platform programme for approved companies that want to launch branded private, business, payment, card, digital-asset, and operational experiences using the BinaxPay technology ecosystem and applicable connected providers.
- Capabilities:
  - Branded private-user dashboard
  - Branded business-user dashboard
  - Custom domain
  - Brand colours and identity
  - Customer onboarding
  - KYC
  - KYB
  - Accounts
  - Payments
  - Cards
  - Foreign exchange
  - Digital assets where enabled
  - Compliance workflows
  - Customer support
  - Nina
  - Administrative portal
  - Reporting
  - Provider integrations
  - APIs
  - Web experiences
  - Mobile-app programme support
  - Contract management
  - Programme configuration
  - Multi-tenant platform operation
- Availability conditions:
  - Commercial approval
  - Programme design
  - Technical assessment
  - Provider approval
  - Compliance and legal review
  - Jurisdictional review
  - Final agreement
  - Implementation and launch readiness
- Prohibited claims:
  - White Label launches instantly
  - Every programme receives every service
  - BinaxPay grants regulatory licences
  - A separate legal or compliance review is never required
  - Provider acceptance is automatic
  - Crypto or investment features are universally available
- Official URLs:
  - https://www.binaxpay.com/white-label
  - https://www.binaxpay.com/contact

### Country partnership
- ID: country-partnership
- Status: market_and_eligibility_dependent
- Summary: BinaxPay evaluates structured partnerships for launching the BinaxPay ecosystem in selected countries.
- Capabilities:
  - Country Manager model
  - Joint Venture model
  - Licensed Financial Partner model
  - Strategic market partnership
  - White Label programme
  - Market assessment
  - Partner assessment
  - Provider assessment
  - Legal and regulatory review
  - Localisation
  - Platform configuration
  - Compliance preparation
  - Commercial planning
  - Launch operations
- Availability conditions:
  - Country assessment
  - Partner due diligence
  - Provider availability
  - Regulatory and legal review
  - Commercial approval
  - Compliance requirements
  - Final agreements
- Prohibited claims:
  - Every country application is approved
  - BinaxPay automatically provides a local licence
  - Launch dates are guaranteed
  - Every service is available in every target country
- Official URLs:
  - https://www.binaxpay.com/country
  - https://www.binaxpay.com/contact
  - https://www.binaxpay.com/company

### APIs and integrations
- ID: api-integrations
- Status: available_in_approved_programmes
- Summary: BinaxPay provides API and integration capabilities for approved internal, partner, and White Label programmes.
- Capabilities:
  - Authentication integration
  - Customer onboarding
  - KYC and KYB
  - Accounts
  - Balances
  - Transactions
  - Payments
  - Recipients
  - Cards
  - Foreign exchange
  - Digital assets
  - Compliance
  - Contracts
  - Notifications
  - Support
  - Reporting
  - Provider webhooks
  - Administrative operations
- Availability conditions:
  - Approved programme
  - Technical agreement
  - Security approval
  - Provider capability
  - Access-control configuration
  - Environment readiness
- Prohibited claims:
  - All APIs are publicly open
  - Unauthenticated access is permitted
  - Every provider exposes identical functionality
  - Production access is automatic
- Official URLs:
  - https://www.binaxpay.com/business
  - https://www.binaxpay.com/white-label

### Compliance and verification workflows
- ID: compliance
- Status: available
- Summary: BinaxPay integrates identity, business-verification, compliance, and legal-acceptance workflows into applicable customer and programme journeys.
- Capabilities:
  - Identity verification
  - Business verification
  - KYC
  - KYB
  - AML screening
  - Sanctions screening
  - PEP screening
  - Document collection
  - Proof-of-address support
  - Ownership verification
  - Compliance review
  - Risk indicators
  - Ongoing monitoring where configured
  - Contract acceptance
  - Audit records
- Availability conditions:
  - Programme rules
  - Provider requirements
  - Customer type
  - Jurisdiction
  - Risk and compliance policy
- Prohibited claims:
  - AI makes final regulatory decisions
  - Compliance approval is guaranteed
  - Required checks can be bypassed
  - Legal acceptance is optional where required
  - Provider decisions can be overridden by public website content
- Official URLs:
  - https://www.binaxpay.com/kyc-aml
  - https://www.binaxpay.com/privacy-policy
  - https://www.binaxpay.com/terms-conditions

### Contracts and legal acceptance
- ID: contracts
- Status: available
- Summary: BinaxPay supports structured contract publication and legal-acceptance requirements for applicable services, onboarding, account setup, and programme activation.
- Capabilities:
  - Published contract versions
  - Contract presentation
  - Customer acceptance
  - Acceptance records
  - Programme-specific legal documents
  - Account-opening acceptance gates
  - Legal-document retrieval
- Availability conditions:
  - Current published contract
  - Programme configuration
  - Customer type
  - Jurisdiction
  - Applicable provider requirements
- Prohibited claims:
  - Required contracts can be bypassed
  - A checkbox without a valid record is sufficient
  - Old contract acceptance always satisfies a new published version
  - Legal acceptance is optional for regulated flows
- Official URLs:
  - https://www.binaxpay.com/terms-conditions
  - https://www.binaxpay.com/privacy-policy
  - https://www.binaxpay.com/cookies
  - https://www.binaxpay.com/imprint

### Support, Community, and Nina
- ID: support-nina
- Status: available
- Summary: Nina is the BinaxPay in-platform assistant. Nina, Direct Chat, tickets, support agents, the Help Center, and Community may operate through one connected support structure.
- Capabilities:
  - Platform guidance
  - Product information
  - Navigation help
  - General support
  - Initial request classification
  - Help Center guidance
  - Ticket creation or escalation
  - Direct human-support entry
  - Conversation continuity
  - Community support
  - Support case management
- Availability conditions:
  - Channel availability
  - Support hours
  - User authentication where required
  - Programme configuration
  - Agent availability
- Prohibited claims:
  - Nina is a licensed adviser
  - Nina replaces legal, financial, tax, compliance, or investment advice
  - Human support is always immediately available
  - Nina may bypass platform or compliance controls
- Official URLs:
  - https://www.binaxpay.com/contact
  - https://www.binaxpay.com/faq
  - https://community.binaxpay.com

### Core Admin and operational management
- ID: core-admin
- Status: internal_only
- Summary: BinaxPay Core Admin supports authorised operational and administrative management of the platform. It is not a public customer service.
- Capabilities:
  - Customer oversight
  - Business oversight
  - Account monitoring
  - Payment monitoring
  - Card operations
  - Compliance review
  - Contract management
  - Provider configuration
  - Programme configuration
  - Reporting
  - Support management
  - Audit records
  - Role-based access
  - Operational controls
- Availability conditions:
  - Authorised staff access
  - Role-based permission
  - Secure authentication
  - Internal operational policy
- Prohibited claims:
  - Core Admin is publicly accessible
  - Customers can access administrator controls
  - Internal provider configuration is public
  - Administrative data is part of public AI content
- Official URLs:
  - (none published)

## Global prohibited claims
- BinaxPay is a licensed bank in every country
- BinaxPay grants banking, payment, crypto, investment, or financial licences
- Every applicant receives an account
- Every applicant receives a card
- Every payment is approved
- Every service is available in every country
- Every White Label programme receives every capability
- Crypto is available in every jurisdiction
- Gold is available in every jurisdiction
- Provider approval is guaranteed
- Regulatory approval is guaranteed
- Compliance approval is guaranteed
- Public pricing is a final commercial offer
- Planned services are already available
- Public content is financial advice
- Public content is legal advice
- Public content is tax advice
- Public content is investment advice
- Public content exposes private customer, transaction, compliance, provider, or administrative data

Schema version: 1.0
Last reviewed: 2026-06-22