{
  "schemaVersion": "1.0",
  "lastReviewed": "2026-06-22",
  "locale": "en",
  "company": {
    "publicName": "BinaxPay",
    "legalName": "BinaxPay Holding Ltd",
    "companyNumber": "16830503",
    "registeredAddress": "167–169 Great Portland Street, 5th Floor, London, England, W1W 5PF",
    "phone": "+49 163 333 2543",
    "supportEmail": "support@binaxpay.com",
    "telegram": "@binaxpay",
    "officialWebsite": "https://www.binaxpay.com"
  },
  "positioning": {
    "short": "BinaxPay is a multi-provider financial technology platform that connects private financial services, business financial services, accounts, payments, cards, foreign exchange, digital assets, compliance workflows, provider integrations, White Label programmes, country partnerships, customer support, and operational administration within one connected ecosystem.",
    "full": "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."
  },
  "capabilities": [
    {
      "id": "multi-provider-platform",
      "name": "Multi-provider financial 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"
      ],
      "availabilityConditions": [
        "Provider contract and programme approval",
        "Jurisdictional coverage",
        "Technical integration readiness",
        "Compliance requirements",
        "Customer or business eligibility"
      ],
      "prohibitedClaims": [
        "Every provider is available in every country",
        "Every customer has access to every integration",
        "BinaxPay itself performs every regulated service",
        "Provider approval is automatic"
      ],
      "officialUrls": [
        "https://www.binaxpay.com/",
        "https://www.binaxpay.com/about",
        "https://www.binaxpay.com/company",
        "https://www.binaxpay.com/white-label"
      ]
    },
    {
      "id": "private-platform",
      "name": "Private financial 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"
      ],
      "availabilityConditions": [
        "Individual eligibility",
        "Identity and compliance approval",
        "Provider availability",
        "Country coverage",
        "Programme configuration",
        "Published contract acceptance"
      ],
      "prohibitedClaims": [
        "Every applicant receives an account",
        "Every applicant receives a card",
        "Every country supports the same services",
        "Account approval is guaranteed",
        "Card issuance is guaranteed"
      ],
      "officialUrls": [
        "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"
      ]
    },
    {
      "id": "business-platform",
      "name": "Business financial 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"
      ],
      "availabilityConditions": [
        "Company eligibility",
        "KYB and compliance approval",
        "Supported company type",
        "Supported jurisdiction",
        "Provider and programme availability"
      ],
      "prohibitedClaims": [
        "Every company is eligible",
        "Every business receives all services",
        "Approval is instant or guaranteed",
        "Every feature is available in every jurisdiction"
      ],
      "officialUrls": [
        "https://www.binaxpay.com/business",
        "https://www.binaxpay.com/accounts",
        "https://www.binaxpay.com/payments",
        "https://www.binaxpay.com/cards"
      ]
    },
    {
      "id": "accounts",
      "name": "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"
      ],
      "availabilityConditions": [
        "Provider coverage",
        "Supported currency",
        "Supported jurisdiction",
        "Eligibility",
        "Compliance approval",
        "Programme configuration"
      ],
      "prohibitedClaims": [
        "BinaxPay directly issues every account",
        "IBANs are available universally",
        "Accounts are guaranteed",
        "All currencies are available to every user"
      ],
      "officialUrls": [
        "https://www.binaxpay.com/accounts",
        "https://www.binaxpay.com/private",
        "https://www.binaxpay.com/business"
      ]
    },
    {
      "id": "payments",
      "name": "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"
      ],
      "availabilityConditions": [
        "Payment rail availability",
        "Provider availability",
        "Currency support",
        "Jurisdiction",
        "Compliance checks",
        "Account status",
        "Transaction limits"
      ],
      "prohibitedClaims": [
        "Every payment is guaranteed",
        "Every payment rail is available everywhere",
        "Payments cannot be delayed or rejected",
        "Final fees are identical in every market"
      ],
      "officialUrls": [
        "https://www.binaxpay.com/payments",
        "https://www.binaxpay.com/business",
        "https://www.binaxpay.com/private"
      ]
    },
    {
      "id": "cards",
      "name": "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"
      ],
      "availabilityConditions": [
        "Card-provider coverage",
        "Customer eligibility",
        "Country support",
        "Programme approval",
        "Card type",
        "Compliance approval"
      ],
      "prohibitedClaims": [
        "Every applicant receives a card",
        "Physical cards are available everywhere",
        "Apple Pay or Google Pay is universally available",
        "Card issuance is immediate or guaranteed"
      ],
      "officialUrls": [
        "https://www.binaxpay.com/cards",
        "https://www.binaxpay.com/private",
        "https://www.binaxpay.com/business"
      ]
    },
    {
      "id": "foreign-exchange",
      "name": "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"
      ],
      "availabilityConditions": [
        "Supported currency pair",
        "Provider availability",
        "Market hours where applicable",
        "Account eligibility",
        "Transaction limits",
        "Programme configuration"
      ],
      "prohibitedClaims": [
        "Rates are guaranteed",
        "Every currency pair is supported",
        "Published examples are final executable prices",
        "FX is available in every programme"
      ],
      "officialUrls": [
        "https://www.binaxpay.com/accounts",
        "https://www.binaxpay.com/payments",
        "https://www.binaxpay.com/private",
        "https://www.binaxpay.com/business"
      ]
    },
    {
      "id": "digital-assets",
      "name": "Digital assets and crypto",
      "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"
      ],
      "availabilityConditions": [
        "Jurisdictional permission",
        "Provider coverage",
        "Customer eligibility",
        "Compliance approval",
        "Supported asset",
        "Programme activation",
        "Transaction limits"
      ],
      "prohibitedClaims": [
        "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"
      ],
      "officialUrls": [
        "https://www.binaxpay.com/white-label",
        "https://www.binaxpay.com/private",
        "https://www.binaxpay.com/business"
      ]
    },
    {
      "id": "gold-services",
      "name": "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"
      ],
      "availabilityConditions": [
        "Provider activation",
        "Jurisdiction",
        "Product eligibility",
        "Compliance approval",
        "Programme configuration"
      ],
      "prohibitedClaims": [
        "Gold services are available everywhere",
        "BinaxPay guarantees gold prices",
        "Gold products guarantee returns",
        "Every account includes gold access"
      ],
      "officialUrls": [
        "https://www.binaxpay.com/white-label",
        "https://www.binaxpay.com/private"
      ]
    },
    {
      "id": "white-label",
      "name": "White Label financial platform",
      "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"
      ],
      "availabilityConditions": [
        "Commercial approval",
        "Programme design",
        "Technical assessment",
        "Provider approval",
        "Compliance and legal review",
        "Jurisdictional review",
        "Final agreement",
        "Implementation and launch readiness"
      ],
      "prohibitedClaims": [
        "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"
      ],
      "officialUrls": [
        "https://www.binaxpay.com/white-label",
        "https://www.binaxpay.com/contact"
      ]
    },
    {
      "id": "country-partnership",
      "name": "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"
      ],
      "availabilityConditions": [
        "Country assessment",
        "Partner due diligence",
        "Provider availability",
        "Regulatory and legal review",
        "Commercial approval",
        "Compliance requirements",
        "Final agreements"
      ],
      "prohibitedClaims": [
        "Every country application is approved",
        "BinaxPay automatically provides a local licence",
        "Launch dates are guaranteed",
        "Every service is available in every target country"
      ],
      "officialUrls": [
        "https://www.binaxpay.com/country",
        "https://www.binaxpay.com/contact",
        "https://www.binaxpay.com/company"
      ]
    },
    {
      "id": "api-integrations",
      "name": "APIs and 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"
      ],
      "availabilityConditions": [
        "Approved programme",
        "Technical agreement",
        "Security approval",
        "Provider capability",
        "Access-control configuration",
        "Environment readiness"
      ],
      "prohibitedClaims": [
        "All APIs are publicly open",
        "Unauthenticated access is permitted",
        "Every provider exposes identical functionality",
        "Production access is automatic"
      ],
      "officialUrls": [
        "https://www.binaxpay.com/business",
        "https://www.binaxpay.com/white-label"
      ]
    },
    {
      "id": "compliance",
      "name": "Compliance and verification workflows",
      "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"
      ],
      "availabilityConditions": [
        "Programme rules",
        "Provider requirements",
        "Customer type",
        "Jurisdiction",
        "Risk and compliance policy"
      ],
      "prohibitedClaims": [
        "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"
      ],
      "officialUrls": [
        "https://www.binaxpay.com/kyc-aml",
        "https://www.binaxpay.com/privacy-policy",
        "https://www.binaxpay.com/terms-conditions"
      ]
    },
    {
      "id": "contracts",
      "name": "Contracts and legal acceptance",
      "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"
      ],
      "availabilityConditions": [
        "Current published contract",
        "Programme configuration",
        "Customer type",
        "Jurisdiction",
        "Applicable provider requirements"
      ],
      "prohibitedClaims": [
        "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"
      ],
      "officialUrls": [
        "https://www.binaxpay.com/terms-conditions",
        "https://www.binaxpay.com/privacy-policy",
        "https://www.binaxpay.com/cookies",
        "https://www.binaxpay.com/imprint"
      ]
    },
    {
      "id": "support-nina",
      "name": "Support, Community, and 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"
      ],
      "availabilityConditions": [
        "Channel availability",
        "Support hours",
        "User authentication where required",
        "Programme configuration",
        "Agent availability"
      ],
      "prohibitedClaims": [
        "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"
      ],
      "officialUrls": [
        "https://www.binaxpay.com/contact",
        "https://www.binaxpay.com/faq",
        "https://community.binaxpay.com"
      ]
    },
    {
      "id": "core-admin",
      "name": "Core Admin and operational management",
      "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"
      ],
      "availabilityConditions": [
        "Authorised staff access",
        "Role-based permission",
        "Secure authentication",
        "Internal operational policy"
      ],
      "prohibitedClaims": [
        "Core Admin is publicly accessible",
        "Customers can access administrator controls",
        "Internal provider configuration is public",
        "Administrative data is part of public AI content"
      ],
      "officialUrls": []
    }
  ],
  "globalAvailabilityNotice": "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.",
  "globalProhibitedClaims": [
    "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"
  ],
  "officialPages": [
    {
      "label": "Home",
      "path": "/",
      "url": "https://www.binaxpay.com/"
    },
    {
      "label": "About",
      "path": "/about",
      "url": "https://www.binaxpay.com/about"
    },
    {
      "label": "Company",
      "path": "/company",
      "url": "https://www.binaxpay.com/company"
    },
    {
      "label": "Business Banking",
      "path": "/business",
      "url": "https://www.binaxpay.com/business"
    },
    {
      "label": "Private Banking",
      "path": "/private",
      "url": "https://www.binaxpay.com/private"
    },
    {
      "label": "Accounts",
      "path": "/accounts",
      "url": "https://www.binaxpay.com/accounts"
    },
    {
      "label": "Payments",
      "path": "/payments",
      "url": "https://www.binaxpay.com/payments"
    },
    {
      "label": "Cards",
      "path": "/cards",
      "url": "https://www.binaxpay.com/cards"
    },
    {
      "label": "White Label",
      "path": "/white-label",
      "url": "https://www.binaxpay.com/white-label"
    },
    {
      "label": "Country Partnership",
      "path": "/country",
      "url": "https://www.binaxpay.com/country"
    },
    {
      "label": "FAQ",
      "path": "/faq",
      "url": "https://www.binaxpay.com/faq"
    },
    {
      "label": "Contact",
      "path": "/contact",
      "url": "https://www.binaxpay.com/contact"
    },
    {
      "label": "Terms and Conditions",
      "path": "/terms-conditions",
      "url": "https://www.binaxpay.com/terms-conditions"
    },
    {
      "label": "Privacy Policy",
      "path": "/privacy-policy",
      "url": "https://www.binaxpay.com/privacy-policy"
    },
    {
      "label": "Cookie Policy",
      "path": "/cookies",
      "url": "https://www.binaxpay.com/cookies"
    },
    {
      "label": "KYC / AML",
      "path": "/kyc-aml",
      "url": "https://www.binaxpay.com/kyc-aml"
    },
    {
      "label": "Imprint",
      "path": "/imprint",
      "url": "https://www.binaxpay.com/imprint"
    }
  ],
  "aiDiscovery": {
    "aiTxt": "https://www.binaxpay.com/ai.txt",
    "llmsTxt": "https://www.binaxpay.com/llms.txt",
    "llmsFullTxt": "https://www.binaxpay.com/llms-full.txt",
    "faqAiTxt": "https://www.binaxpay.com/faq-ai.txt",
    "publicDataJson": "https://www.binaxpay.com/public-data.json",
    "privatePricingAiMd": "https://www.binaxpay.com/private/pricing-ai.md",
    "privatePricingJson": "https://www.binaxpay.com/private/pricing.json"
  }
}