Provider at a glance
- Category
- Crypto Bill Pay
- Entity
- Not verified
- Official website
- coins.ph
Independent rankingchecked How it works
Details
Scored 55 out of 100 under methodology 2026.10.18, from the evidence read in October 2026.
Coins.ph
Peso e-wallet with bill payment
Crypto Bill Pay
#6 Overall
Ranked #6 of 7 crypto bill pay in the published ranking
55
ChainChoice Score
The ChainChoice Score, shown against 100: published scores run from 41 to 99.- High evidence confidence
Is Coins.ph right for you?
Look elsewhere if these come first
- Business days until the biller shows it PAID — and the buffer the vendor admits you need2/10 here; Living Room of Satoshi scores 9
- Can it reach the one institution you owe — and can that be taken away4/10 here; Bull Bitcoin scores 6
- Who eats the price move between your order and the biller's credit5/10 here; Living Room of Satoshi scores 8
- What you can hand the biller, and what the terms say the vendor actually did2/10 here; Living Room of Satoshi scores 7
Not yet tested for your country. Markets it lists: Asia.
to test where you can use it.
The rank above is the published one, the same for every reader. Find my best bill payment service shows where it lands for you.
What will Coins.ph cost you?
Not priced on this basis
- Payments per month
- 500
- Average payment
- $100
How safe is Coins.ph?
- Evidence: verified4 of 4 criteria rest on quoted, sourced receipts. Read October 2026.
- LicenceMiCA (EU): no register record on file here.
Alternatives to Coins.ph
Compare all 4- 4Living Room of Satoshi18 points above · stronger on posted by due date (9 against 2)73
- 5Bull Bitcoin4 points above · stronger on named biller reachability (6 against 4)59
- 7Spritz Finance9 points below · weaker on named biller reachability (2 against 4)46
For your setup
Find out if Coins.ph fits you
The rank above is the published one — the same for every visitor. Answer the category's questions and this section shows where Coins.ph lands for you, which criteria your answers weight up, and which stated needs the record does or does not meet. The published rank stays beside it.
- A few questions
- No account required
- Ranking-blind: no commercial input
- Personalised in under 60 seconds
Find my best bill payment serviceNothing is inferred from clicks, popularity or commercial value.
Why this rank
Why Coins.ph ranks #6
Each strength is read from evidence on a 0–10 ladder and weighted as the published methodology states. The 32 objective points these produce (10.2 here) sit inside the score; availability, friction, trust record and measured data add the rest.
4 published criteria · Σ weight 100
CriterionWeightStrength · 0–10ScoreContrib.MedianBestRankEvidence
322+2.055.09#5/7Loading evidence…
264+3.336.09#5/7Loading evidence…
225+3.526.09#5/7Loading evidence…
202+1.285.07#5/7Loading evidence…
Hairline = best in this ranking · tick = its median · a missing bar is "not scored", never zero
Margin−4behind Bull Bitcoin, #5
RobustnessHoldsacross a one-point change to each of its 4 criterion scores, the re-run scores 53–57 and stays #6
Evidence4 of 4 scored4 quoted, 4 with a source link
What would move the rank
Each line is the ranking run again with one of Coins.ph’s criterion scores changed and every other value held: the smallest whole-point change on that criterion that moves its rank, and where the re-run puts it. Up to 4 climbs and 3 falls are listed, smallest change first. Nothing here is a forecast.
Business days until the biller shows it PAID — and the buffer the vendor admits you need 2 → 4 on its ladder · passes Bull Bitcoin+259#6 → #5
Can it reach the one institution you owe — and can that be taken away 4 → 7 on its ladder · passes Bull Bitcoin+360#6 → #5
Who eats the price move between your order and the biller's credit 5 → 8 on its ladder · passes Bull Bitcoin+359#6 → #5
What you can hand the biller, and what the terms say the vendor actually did 2 → 5 on its ladder · passes Bull Bitcoin+359#6 → #5
Smallest climb: business days until the biller shows it PAID — and the buffer the vendor admits you need 2 → 4 passes Bull Bitcoin, #5.
Strengths
0 from the score dataWhere it leads
No scored criterion is at or within one point of the category best, so no strength can be stated from the data.
Tradeoffs
4 from the score dataWhere it trails
Not for readers who put first
- Business days until the biller shows it PAID — and the buffer the vendor admits you need — 2/10 against a category best of 9/10
- Can it reach the one institution you owe — and can that be taken away — 4/10 against a category best of 9/10
- Who eats the price move between your order and the biller's credit — 5/10 against a category best of 9/10
- What you can hand the biller, and what the terms say the vendor actually did — 2/10 against a category best of 7/10
Record watch-outs
- READ THIS FIRST: Coins.ph's own help centre tells you to take your bill somewhere else at the exact moment this category matters. 'If your current bill is overdue, we recommend that you pay it directly to the biller.' (https://support.coins.ph/hc/en-us/articles/215536158-When-will-my-bill-payment-be-posted), restated harder in the July-2026 rewrite as 'Overdue Bills Warning: If your current utility or service bill is already overdue, we strongly recommend paying it directly to the biller to avoid immediate service disconnection.' Budget up to 3 business days to post, with no submission cut-off time or timezone published anywhere; expect no official receipt ('Unfortunately, we don't support this feature yet.'); and understand you convert crypto to pesos FIRST as a separate transaction, so you carry 100% of the price move and the vendor carries none. THREE TRAPS THAT MUST NOT SURVIVE INTO PUBLISHED COPY. (1) DO NOT CITE THE ONE-MINUTE QUOTE WINDOW AGAINST A BILL. https://www.coins.ph/en-ph/legal does contain 'Any quotation we provide for your requested Transactions are valid only for one (1) minute' and 'Quotations are final and binding upon acceptance' — but both are clauses 3.1(e) and 3.2 of the 'Additional Terms for Trade Desk Services', section '3. Trading Rules', whose 3.1(a) sets a 'Php1,000,000.00' Minimum Trade Size. Same page, wrong product. The same applies to the only named timezone in the terms, 'Monday to Friday (excluding non-banking days) 9:00 AM to 4:00 PM Philippine Standard Time (UTC +8:00)' — that is Trade Desk clause 4.1, the OTC trading window, not a bill cut-off. Coins.ph publishes no bill cut-off and no timezone anywhere: not in the 13 articles of its Paying Bills section, nor on its pay-bills, fees and legal pages. (2) THE BILLER WITHDRAWALS ARE HEDGED, AND OUR COPY MUST BE TOO. The banner reads 'The details for the particular biller MAY no longer be available on Coins.ph'. The vendor is not asserting removal, and the case against removal got stronger this pass: the freshest bill article on the site (https://support.coins.ph/hc/en-us/articles/115000162821-How-to-Pay-Bills, edited 2026-07-21, twenty months newer than the Meralco banner) names Meralco as a current supported example — 'Electric Utility: Electricity providers across the Philippines (e.g., Meralco).' Meralco is also still listed on the marketing page, still named in the App Store description shipped 2026-08-13, and still the subject of a live academy how-to. The publishable claim is the CONTRADICTION — that a reader cannot determine from any public page whether the country's largest electricity distributor is reachable — not the flat statement 'Meralco was removed'. Same discipline for DFA, Taxumo and BIMA. (3) BSP PUBLISHES NO NUMBER FOR VASP OR EMI. The VASP and EMI directories are name-and-address lists with no number column; only the Operator of Payment System register carries numbers (OPSCOR-2020-0051 for Betur, OPSCOR-2020-0048 for DCPay, both read on the register 2026-08-14). Do not invent a 'BSP licence number' for the VASP or EMI status. Do not cite the vendor's own footer as the source either — 'Betur Inc and DCPay Philippines Inc, are regulated by the Bangko Sentral ng Pilipinas (BSP)' is real but it is a marketing footer (verified on https://www.coins.ph/en-ph/fees), and User Agreement clause 12.6 'coins.ph is regulated by the Bangko Sentral ng Pilipinas ( www.bsp.gov.ph )' is likewise a vendor claim. The registers are the citation. SEPARATELY: the 67-item biller count in criterion 2 is my own count of the line items rendered on https://www.coins.ph/en-ph/pay-bills on 2026-08-14, not a figure Coins.ph publishes; present it as 'the enumerated list on that page runs to 67 names', never as a vendor claim. Two of those 67 are arguably the same utility listed twice ('Subic Water' and 'Subic Water District'), three are SSS contribution sub-types rather than distinct billers, and two are Home Credit consumer-lending entries filed under 'Government' — so the true directory is if anything smaller. Finally, the iOS app is published by 'Global Commerce Technologies Pte. Ltd.', a Singapore entity, while the User Agreement names Betur, Inc. and DCpay Philippines, Inc.; the relationship between the three is not explained on any page read, and no claim is made about it here. PRICING SOURCES, for the record: the bill fee posture is published ONLY in the help centre, never in the fee schedule — https://www.coins.ph/fees 301s to https://www.coins.ph/en-ph/fees, which carries exactly three fee tabs ('Trading', 'Deposit/Withdrawal', 'Spot'); the string 'bill' occurs three times on that page, all three in site navigation ('Pay Bills', 'Pay 120+ bills from your phone'). There is no bill row, no bill fee and no spread figure. The help centre also contradicts its own no-fee line elsewhere with 'Pay Bills — Settle your bills ... Fees may vary.' (https://support.coins.ph/hc/en-us/articles/34288784427929-Coins-ph-Features-and-Services, updated 2026-07-10).
Competitive position
Where Coins.ph leads and where it trails
Rank on every objective dimension among the rows scored on it. A criterion in the top third of its pool is listed as a lead, the bottom third as a trail; the middle is neither. Popularity, size and commercial terms are not dimensions.
Availability#1 / 76.0 of 20 · constant here
Published criteria#6 / 77.6 of 30 · best 17.4
Friction#1 / 72.7 of 10 · constant here
Trust record#1 / 73.2 of 8 · constant here
Measured data#1 / 79.7 of 18 · pool best
Where Coins.ph leadsNo criterion in the top third of its pool.
Where it trails
- Business days until the biller shows it PAID — and the buffer the vendor admits you need#5 / 7
- Can it reach the one institution you owe — and can that be taken away#5 / 7
- Who eats the price move between your order and the biller's credit#5 / 7
- What you can hand the biller, and what the terms say the vendor actually did#5 / 7
Closest alternatives
The 3 nearest rows by score
Nearest by published score in either direction. Each card states the criteria on which the two rows differ and the cost difference under the same scenario inputs; the compare arithmetic below shows why the higher one ranks higher.
Bull Bitcoin#5 of 7 · score 59 · 4.0 points ahead
Coins.ph leads on
- What you can hand the biller, and what the terms say the vendor actually did2 vs 1
Bull Bitcoin leads on
- Can it reach the one institution you owe — and can that be taken away6 vs 4
- Who eats the price move between your order and the biller's credit6 vs 5
Largest single reason Bull Bitcoin is ahead: published criteria (+3.4 display points).Scenario cost: Bull Bitcoin has no verified pricing for this scenario.
Spritz Finance#7 of 7 · score 46 · 9.0 points behind
Coins.ph leads on
- Can it reach the one institution you owe — and can that be taken away4 vs 2
- Who eats the price move between your order and the biller's credit5 vs 4
- What you can hand the biller, and what the terms say the vendor actually did2 vs 1
Spritz Finance leads onNo scored criterion
Largest single reason Coins.ph is ahead: published criteria (+5.7 display points).Scenario cost: Spritz Finance has no verified pricing for this scenario.
Living Room of Satoshi#4 of 7 · score 73 · 18.0 points ahead
Coins.ph leads on
- Can it reach the one institution you owe — and can that be taken away4 vs 2
Living Room of Satoshi leads on
- Business days until the biller shows it PAID — and the buffer the vendor admits you need9 vs 2
- Who eats the price move between your order and the biller's credit8 vs 5
- What you can hand the biller, and what the terms say the vendor actually did7 vs 2
Largest single reason Living Room of Satoshi is ahead: published criteria (+21.1 display points).Scenario cost: Living Room of Satoshi has no verified pricing for this scenario.
Against the leader
77 vs 55 · gap 22.0Why Bitcoin Well ranks above Coins.ph
The compare workspace's arithmetic applied to these two rows. Each dimension's share of the gap is its weight × the difference, on the displayed scale — it reproduces the displayed gap of 22.0 to within rounding. Coins.ph is ahead on measured data (+3.6 in its favour).
DimensionThisBitcoin WellGap share
Availability · 23% weight · constant here6.06.0same
Published criteria · 35% weight7.617.4−25.5, worse
Friction · 12% weight · constant here2.72.7same
Trust record · 9% weight · constant here3.23.2same
Measured data · 21% weight9.78.3+3.6, better
Published criterionThisBitcoin WellPoints
Business days until the biller shows it PAID — and the buffer the vendor admits you need · w3226−4.10, worse
Can it reach the one institution you owe — and can that be taken away · w2649−4.16, worse
Who eats the price move between your order and the biller's credit · w2259−2.82, worse
What you can hand the biller, and what the terms say the vendor actually did · w2025−1.92, worse
Net5577−22.0
Your scenario
Coins.ph is not priced for this scenario
Percentage and fixed legs on each payment, for a year. Excludes chargebacks, FX markup and settlement fees priced separately. Change an input and every figure recomputes from the published rate; the published rank does not move.
your cost/yr · default scenario — set your own
Payments per month · your input500
Average payment · your input$100
Rate read from the provider’s published pricing ↗ on 28 October 2026.
your cost/yrCost is stated as your cost/yr in USD; it is never a yield, never annualised, and it does not enter the score.
Not priced on this basis
Under the default inputs · USDCategory medianNot priced0 of 7 rows priced
Cheapest pricedNone pricedDifference not stated · availability not applied — set your country to filter
7 of 7 rows in this ranking have no verified rate for this scenario and are absent from the median, not counted as free.
Evidence
Evidence read 28 October 2026
One row per published criterion: the page each strength was read from, its source type by domain, the reading date and whether the file and the published table agree. Open a row for the quote and the receipt.
4 of 4 cells scored
Score evidenceVerified4 of 4 criteria reconstruct from receipts
4 of 4 criteria reconstruct from a quoted, sourced receipt equal to the published strength.Public receiptsReading…4 quoted with a source URL
The receipt file has not been read yet.Evidence confidenceHighcoverage and corroboration, never freshness
4/4 criteria scored, with 4 dated sources quoted.RobustnessHoldsrank #6 across every one-point re-run
Whether the position holds when one criterion score is changed by one point and the ranking is run again. It is always a re-run of the ranking, never an estimate.The newest evidence read on the platform is 3 November 2026; this category's reading is older. The scores stand as read on 28 October 2026.
Reading the evidence ledger…
CriterionSourceTypeReadFreshnessStatusReceipt
Business days until the biller shows it PAID — and the buffer the vendor admits you needstrength 2 · weight 32Report an error—28 October 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Can it reach the one institution you owe — and can that be taken awaystrength 4 · weight 26Report an error—28 October 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Who eats the price move between your order and the biller's creditstrength 5 · weight 22Report an error—28 October 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.What you can hand the biller, and what the terms say the vendor actually didstrength 2 · weight 20Report an error—28 October 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.How you can lose money here, and what the ranking scores
- Execution failure: you get a worse price, later, or nothing.Scored by Business days until the biller shows it PAID — and the buffer the vendor admits you need · 32% (Coins.ph 2/10)Scored by Who eats the price move between your order and the biller's credit · 22% (Coins.ph 5/10)Scored by What you can hand the biller, and what the terms say the vendor actually did · 20% (Coins.ph 2/10)
Not assessed by this ranking: Control failure, Liveness failure, Custody failure, Insolvency failure, Regulatory failure, Exit failure, Information failure. A high place says nothing about these; the Methodology tab says what each means. Also scored, as cost, quality or a summary of several families: Can it reach the one institution you owe — and can that be taken away (26%).
Facts
facts, not scoresWhat the record publishes
- Pricing
- Help-centre article "Which bills have fees?" at https://
support .coins .ph /hc /en-us /articles /360000362182 -Which-bills-have-fees (article timestamp 20 October 2024), fetched 2026-09-28: "There are no fees charged by Coins.ph when paying bills, but there are billers that have additional fees charged by our service provider." and "Any charges, if applicable, would be shown on the screen together with the exact amount of your bill before confirming your payment - at the Fee line item." No partner-fee amount is published for any named biller on that page. The crypto-to-peso conversion that funds a bill is a separate Coins Convert trade at the buyer's risk. Fee level is not scored on this page.Coins.ph — official pricing page ↗ · 28 October 2026 - Prices published in
- USDCoins.ph — official pricing page ↗ · 28 October 2026
- Licences held
- Philippines: Virtual Asset Service Provider (VASP) — 'Betur Inc. (doing business under the name and style of COINS.PH)', entry 1 under the heading 'ACTIVE - NON-BANK VASPs' in the Bangko Sentral ng Pilipinas 'List of Virtual Asset Service Providers (VASP)', 'As of 15 July 2026', 'Source: TRISD Database'. Registered officer Mr. Wei Zhou, CEO; address 15th Floor Asian Century Center, 27th Street Corner 3rd and 4th Avenue, 1214 Bonifacio Global City, Taguig City. VERIFICATION METHOD, because the section a name sits under is the whole claim here: text extraction alone put the three section headings ('ACTIVE - NON-BANK VASPs', 'INACTIVE/NOT OPERATIONAL - NON BANK VASPs', 'ACTIVE - BANK VASP') out of visual order, so I rendered the page to an image and read the table visually. Betur is confirmed in the ACTIVE band (rows 1-6); the INACTIVE band contains only row 7, Direct Agent 5. BSP publishes NO registration number on this directory — the columns are Institution Name / CEO-President / Address / Contact Information — so none is asserted here. PDF downloaded and read 14 August 2026 (94,450 bytes, /Title 'VASP List', ModDate 20 July 2026)., Philippines: Operator of Payment System (OPS) registration — 'Betur, Inc.', Business/Trade/Product/Service Name 'Coins.ph; Coins Pro', Date of Issuance 24 March 2020. Read as row 34 of the BSP 'List of BSP-Registered Operator of Payment System (OPS)*', footer '*As of 7 August 2026'. This is the registration that most directly covers the bill-payment activity scored on this page. PDF downloaded and text-extracted 14 August 2026 (394,755 bytes, 14 pages, produced 10 August 2026); row read character-exact as 'Betur, Inc. Coins.ph; Coins Pro OPSCOR-2020-0051 24 March 2020'. OPSCOR-2020-0051, Philippines: Operator of Payment System (OPS) registration — 'DCPAY PHILIPPINES, INC.', Business/Trade/Product/Service Name 'Coins.ph', Date of Issuance 21 March 2020. Read as row 60 of the BSP 'List of BSP-Registered Operator of Payment System (OPS)*', footer '*As of 7 August 2026'. DCPay is the second contracting entity named in the Coins.ph User Agreement ('Betur, Inc. and DCpay Philippines, Inc., doing business as "coins.ph"'). PDF downloaded and text-extracted 14 August 2026; row read character-exact as 'DCPAY PHILIPPINES, INC. Coins.ph OPSCOR-2020-0048 21 March 2020'. OPSCOR-2020-0048, Philippines: Electronic Money Issuer (EMI) — 'DCPAY Philippines, Incorporated', entry 5 under section 'B. EMI-Non-Bank Financial Institution' of the BSP 'List of BSP Supervised Electronic Money Issuers (EMIs)', 'As of 31 May 2026'; officer Mr. Nauman Nazim Mustafa, 14th Floor Net Cube Center, 3rd Avenue corner 30th Street E-Square Zone, Bonifacio Global City, Taguig City. The register carries exactly two headings, 'A. EMI-Banks' and 'B. EMI-Non-Bank Financial Institution', and the registration is real. BSP publishes no licence number on this directory (columns: Institution Name / Head-President-CEO / Address / Contact Number / E-Mail Address), so none is asserted. IMPORTANT DISTINCTION RE-READ ON THE REGISTER: I regex-swept the full 3-page text for 'Betur' and got zero hits — Betur, Inc. does NOT appear on the EMI list, only DCPay does. The peso wallet the bill is debited from is DCPay's e-money; the VASP registration is Betur's. PDF downloaded and read 14 August 2026 (116,200 bytes, 3 pages).
- Compliance level
- full
- Regulatory note
- Philippines: Virtual Asset Service Provider (VASP) — 'Betur Inc. (doing business under the name and style of COINS.PH)', entry 1 under the heading 'ACTIVE - NON-BANK VASPs' in the Bangko Sentral ng Pilipinas 'List of Virtual Asset Service Providers (VASP)', 'As of 15 July 2026', 'Source: TRISD Database'. Registered officer Mr.
- Supported chains
- Bitcoin, Lightning, Ethereum, Tron, Solana, BNB Smart Chain, Polygon, Arbitrum One, Base, Optimism, Avalanche C-Chain, XRP Ledger, Cardano, Litecoin, Bitcoin Cash, Dogecoin, TON, Ronin, Stellar
- Markets served
- asia
- Primary markets
- Not published
- Restricted markets
- Not published
- Operating limits
- Not published
- Availability note
- PHILIPPINES ONLY — re-verified 14 August 2026, and single-country by construction rather than policy. The product URL is country-scoped (/en-ph/), the billers are Philippine institutions (Meralco, Maynilad, Manila Water, PLDT, Globe, Pag-IBIG, SSS, NBI, DFA and 28 named local water districts, all re-counted off the rendered page), settlement is in Philippine pesos out of a peso e-wallet, and the vendor frames it nationally: 'With your Coins.ph account you can settle payments for over 90 different types of bills all over the Philippines.' (https://
www .coins .ph /en-ph /pay-bills) and 'Settle your bills for different providers and utilities all over the Philippines with our Pay Bills feature.' (https:// support .coins .ph /hc /en-us /articles /34288784427929 -Coins-ph-Features-and-Services). The governing law is Philippine — User Agreement clause 14.7, verified in numbering context: 'This Agreement and the relationship between us shall be governed by the laws of the Republic of the Philippines.' (https:// www .coins .ph /en-ph /legal) — and the operating entities are BSP-supervised Philippine companies. The coins.ph site header does offer a country switcher listing Global, Philippines, Thailand, Australia and Brazil (re-read on both the fees and legal pages this pass), but Pay Bills appears only under the Philippines navigation; a reader outside the Philippines has no path to this product and should score it 0 on reachability. The site's country filter has no Philippines-only setting, so the product is filed under Asia: Philippine readers see it, and readers in Singapore and Japan may too, which this note corrects.
No confirmed legal entity is on file for this record. Nothing is inferred from the brand name.
If something goes wrong with Coins.ph: where to complain, and where to report a scam
Loading the routes for your country.
How this page is reviewed
Reviewed means this product in this category was read against its sources on or after that date; every ranked category is re-read at least every 45 days. Models research, extract and parse. A deterministic engine ranks. Every quote passes an adversarial refute pass.
Accountable for this review: Mathias Siemonsmeier, Founder.
How we review · Review calendar · Corrections log · How we make money
History
What the record carries
Changes to published ranks are recorded in a ledger; every step and its cause is listed on the rank-history page. The entries below begin with the current verified snapshot, then the methodology versions whose changes applied to this category, newest first.
10 methodology entries
- 28 October 2026Current verified snapshot · methodology 2026.10.18Score 55, #6 of 7. 4 of 4 criteria scored. History starts here; earlier values are not interpolated.
- 10 October 2026
2026.10.8When nothing serves your country, the list shown for reference is the published ranking · platform-wide- fixed The reference list shown when nothing serves your country is the published order with the published scores, and a build check now fails any such list out of that order or with a score the ranking does not publish.
- fixed The explorer prints an overall rank only for a row the published ranking holds; a country entrant such as Coinbase Commerce for US merchants shows no overall rank.
- changed Published orders do not move. Country results change only where nothing serves the country: in India bill pay keeps Bitcoin Well first and now shows Strike second, as published; 35 such runs across all categories and countries now match the published list exactly.
- 10 October 2026
2026.10.7Forty-one more products are offered only where their own quoted terms serve- fixed 141 country exclusions on 31 rows, each the name of a country the row's own quoted terms exclude: for example Mercuryo Hungary, China, Pakistan, Bangladesh, Chile, Colombia and Morocco; Gemini Custody the United Kingdom, Australia and the EU after its wind-down; Backed xStocks the US, Canada, the UK, Australia, Nigeria, the Philippines and Venezuela.
- changed Thirteen rows list the only countries their terms serve: Coins.ph the Philippines, Spritz bill pay, Brex, Unchained, WisdomTree, Franklin BENJI and AnchorWatch the United States (with its territories for AnchorWatch), PRYPCO Mint the UAE, N26 crypto seven EU countries, Gemini Tokenized Stocks the EU, XNET the US, Canada and the UK, Coldbit Steel and MetaMask Card the countries they list.
- changed Published (no-country) orders do not move. Country results change: in India six categories each lose one row (bill pay, cards, off-ramps, P2P, seed backup, tokenised real estate), and bill pay there has no row confirmed available, so it shows the published order marked as such; country pages list 23 fewer rows (24,357 to 24,334). The grounding test now matches full country names in any case, which shows seven earlier exclusions were quoted all along: the named debt of unquoted exclusions falls from 40 to 33 pairs.
- 10 October 2026
2026.10.6A criterion you require re-scores the rows that meet it · platform-wide- changed The explorer sends each criterion you require, at any band, as fit_required with your other answers; region, licence, chain and fact filters stay filters. On /best, a required criterion joins For you as a marked preference does, which needs your country; Overall stays the published ranking, filtered.
- added Every published criterion has a golden case as the explorer sends it (require:<criterion>), so the order a requirement gives is replayed and gated as the published order is, and a change to it needs an entry here.
Methodology 2026.10.18, the same published run every visitor sees · receipt bill_pay:coins_ph:2026.10.18:ff085c92b753
Are you Coins.ph? Reply to this verdict, or send evidence, ask for a correction or claim the listing. Every message gets a public ticket number; none of it changes a rank unless a public page or a signed statement supports it.