Provider at a glance
- Category
- Crypto Bill Pay
- Entity
- Not verified
- Official website
- swapin.com
Independent rankingchecked How it works
Details
Scored 73 out of 100 under methodology 2026.10.18, from the evidence read in October 2026.
Swapin (SwapinPay)
Crypto bill pay over SEPA
Crypto Bill Pay
#3 Overall
Ranked #3 of 7 crypto bill pay in the published ranking
73
ChainChoice Score
The ChainChoice Score, shown against 100: published scores run from 41 to 99.- High evidence confidence
Is Swapin (SwapinPay) right for you?
Right for you if these matter most
- Can it reach the one institution you owe — and can that be taken away9/10, the category best
- What you can hand the biller, and what the terms say the vendor actually did7/10, the category best
Look elsewhere if these come first
- Business days until the biller shows it PAID — and the buffer the vendor admits you need5/10 here; Living Room of Satoshi scores 9
- Who eats the price move between your order and the biller's credit6/10 here; Bitcoin Well scores 9
Not yet tested for your country. Markets it lists: Europe. Restricted: United Kingdom, Hungary, Austria.
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 Swapin (SwapinPay) cost you?
Not priced on this basis
- Payments per month
- 500
- Average payment
- $100
How safe is Swapin (SwapinPay)?
- Evidence: verified4 of 4 criteria rest on quoted, sourced receipts. Read October 2026.
- LicenceMiCA (EU): no register record on file here.
Alternatives to Swapin (SwapinPay)
Compare all 4- 1Bitcoin Well4 points above · stronger on exact amount and rate lock (9 against 6)77
- 2Strike Bill Pay3 points above · stronger on posted by due date (8 against 5)76
- 4Living Room of SatoshiLevel on score · stronger on posted by due date (9 against 5)73
For your setup
Find out if Swapin (SwapinPay) fits you
The rank above is the published one — the same for every visitor. Answer the category's questions and this section shows where Swapin (SwapinPay) 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 Swapin (SwapinPay) ranks #3
Each strength is read from evidence on a 0–10 ladder and weighted as the published methodology states. The 32 objective points these produce (21.3 here) sit inside the score; availability, friction, trust record and measured data add the rest. Best in this ranking on 2 of 4.
4 published criteria · Σ weight 100
CriterionWeightStrength · 0–10ScoreContrib.MedianBestRankEvidence
325+5.125.09#4/7Loading evidence…
269+7.496.09#1/7Loading evidence…
226+4.226.09#3/7Loading evidence…
207+4.485.07#1/7Loading evidence…
Hairline = best in this ranking · tick = its median · a missing bar is "not scored", never zero
Margin−3behind Strike Bill Pay, #2
RobustnessOne point from changingacross a one-point change to each of its 4 criterion scores, the re-run scores 71–75 and ranks #3–#4
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 Swapin (SwapinPay)’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 5 → 7 on its ladder · passes Strike Bill Pay+277#3 → #1
Who eats the price move between your order and the biller's credit 6 → 9 on its ladder · passes Strike Bill Pay+377#3 → #1
What you can hand the biller, and what the terms say the vendor actually did 7 → 10 on its ladder · passes Strike Bill Pay+377#3 → #1
Business days until the biller shows it PAID — and the buffer the vendor admits you need 5 → 4 on its ladder · Living Room of Satoshi passes it−171#3 → #4
Can it reach the one institution you owe — and can that be taken away 9 → 8 on its ladder · Living Room of Satoshi passes it−172#3 → #4
Who eats the price move between your order and the biller's credit 6 → 5 on its ladder · Living Room of Satoshi passes it−172#3 → #4
Smallest climb: business days until the biller shows it PAID — and the buffer the vendor admits you need 5 → 7 passes Strike Bill Pay, #2.
Strengths
2 from the score dataWhere it leads
Best for readers who weight
- Can it reach the one institution you owe — and can that be taken away — 9/10, the category best
- What you can hand the biller, and what the terms say the vendor actually did — 7/10, the category best
Tradeoffs
2 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 — 5/10 against a category best of 9/10
- Who eats the price move between your order and the biller's credit — 6/10 against a category best of 9/10
Record watch-outs
- SWAPIN ADVERTISES AN ESTONIAN LICENCE ON EVERY PAGE THAT THE REGULATOR'S OWN REGISTER SHOWS WAS TERMINATED ON 1 JULY 2026, AND NO SUCCESSOR AUTHORISATION APPEARS ON ANY ESTONIAN REGISTER. Read the register yourself before you send money: https://mtr.ttja.ee/taotluse_tulemus/541689 (the Estonian Majandustegevuse register, run by the TTJA; HTTP 200, 62,111 bytes, 2026-08-14; Swapin's own footer links it). The record for Ungaro OÜ, registry code 14562753, reads 'Kehtiv' / 'Ei (arhiveeritud)', 'Kehtivuse algus 13.08.2020', 'Kehtivuse lõpp 01.07.2026', 'Arhiveerimise aeg 01.07.2026', 'Arhiveerimise põhjus' / 'Tegevusloa kehtetuks tunnistamine seadusest tulenevalt', issuer 'Rahapesu Andmebüroo', decision 20260218-855571 of 18.02.2026. The virtual-currency licence was terminated by operation of law on 1 July 2026 and archived the same day, six weeks before this pass. YET THE SITE STILL ADVERTISES IT IN THE PRESENT TENSE, on every page read: the global footer reads 'Swapin is operating under the license FVT000088' above a 'Licenses registered at:' link; https://help.swapin.com/en/articles/161750-swapin-is-a-licensed-and-secure-business says 'As a regulated European digital currency service provider, we hold licence FVT000088'; and the Terms define your counterparty as 'Payment Intermediary - Ungaro OÜ, reg. no. 14562753, operating under licence FVT000088'. On 2026-08-14, Ungaro OÜ / Swapin appears on none of Estonia's registers. Finantsinspektsioon's register of Estonian crypto-asset service providers, https://www.fi.ee/en/investment-market/crypto-asset-service-provider-casp/crypto-asset-service-providers-estonia, queried with the status filter set to All, lists exactly one authorised firm — Lightspark Payments Europe AS — and returns nothing for 'Ungaro' or 'Swapin'. The cross-border CASP list (77 entries) returns nothing. The Estonian payment institutions register, https://www.fi.ee/en/payment-services/payment-institutions, returns nothing. The Estonian e-money institutions register returns nothing. The register's own search was tested first: the identical query returns 'Adson AS' for keys=Adson and 'Lightspark Payments Europe AS' for keys=Lightspark, so the search works and the absences are real. THE COPY WE PUBLISH MUST NOT REPEAT THE VENDOR'S CLAIM. Do not render Swapin as holding a current Estonian licence; do not print FVT000088 as a live authorisation; if it is mentioned at all it must be as 'archived 1 July 2026' with the register URL. Two further vendor claims are now positively unsupported, not merely unverified, and must not be published: 'Swapin is a EU-licensed payment processing provider that doesn't hold your funds' (product page) and 'As a licensed and regulated payment provider' (Transactions FAQ) — no payment-institution, e-money or CASP authorisation exists for this entity on the Estonian registers, and the Named IBANs are in fact supplied by third parties, 'our partnership with Fiat Republic and Clear Junction'. 'Swapin has successfully passed audits conducted by Grant Thornton' (help article 161750) remains an unverified vendor assertion. WHAT I STILL DO NOT ASSERT: that Swapin is operating unlawfully. The termination reason is statutory rather than disciplinary — the Estonian VASP regime ending under the MiCA transition — the company is active on the business register with no deletion, bankruptcy or liquidation notice in Ametlikud Teadaanded (searched by registry code, negative test passed), and it published a new MiCA-shaped 'Client order execution principles' effective the very day the old licence lapsed. An application may be pending, or an authorisation may sit in another member state's register that was not read; ESMA's MiCA register could not be reached at the time. But a firm that is not on its home regulator's register is a firm whose supervisory status a buyer cannot verify, while its own footer tells that buyer the opposite. That is the single thing to read before committing funds. SEPARATELY, ON WHICH TERMS BIND: the clause that caps criterion 3 (2.7.1, the short-paid bill) was read at https://www.swapin.com/terms-and-conditions/, which returned HTTP 200 today and is listed in the vendor's own page-sitemap, but whose sitemap lastmod is 2022-09-22T13:19:02+00:00 and which still cites the archived licence. There may be a newer terms document with different underpayment handling.
Competitive position
Where Swapin (SwapinPay) 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#2 / 716.0 of 30 · best 17.4
Friction#1 / 72.7 of 10 · constant here
Trust record#1 / 73.2 of 8 · constant here
Measured data#4 / 78.3 of 18 · best 9.7
Where Swapin (SwapinPay) leads
- Can it reach the one institution you owe — and can that be taken away#1 / 7
- Who eats the price move between your order and the biller's credit#3 / 7
- What you can hand the biller, and what the terms say the vendor actually did#1 / 7
Where it trailsNo criterion in the bottom third of its pool.
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.
Living Room of Satoshi#4 of 7 · score 73 · same score
Swapin (SwapinPay) leads on
- Can it reach the one institution you owe — and can that be taken away9 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 5
- Who eats the price move between your order and the biller's credit8 vs 6
Largest single reason Swapin (SwapinPay) is ahead: published criteria (+0.8 display points).Scenario cost: Living Room of Satoshi has no verified pricing for this scenario.
Strike Bill Pay#2 of 7 · score 76 · 3.0 points ahead
Swapin (SwapinPay) leads on
- Who eats the price move between your order and the biller's credit6 vs 3
- What you can hand the biller, and what the terms say the vendor actually did7 vs 5
Strike Bill Pay leads on
- Business days until the biller shows it PAID — and the buffer the vendor admits you need8 vs 5
Largest single reason Strike Bill Pay is ahead: measured data (+3.6 display points).Scenario cost: Strike Bill Pay has no verified pricing for this scenario.
Bitcoin Well#1 of 7 · score 77 · 4.0 points ahead
Swapin (SwapinPay) leads on
- What you can hand the biller, and what the terms say the vendor actually did7 vs 5
Bitcoin Well leads on
- Business days until the biller shows it PAID — and the buffer the vendor admits you need6 vs 5
- Who eats the price move between your order and the biller's credit9 vs 6
Largest single reason Bitcoin Well is ahead: published criteria (+3.6 display points).Scenario cost: Bitcoin Well has no verified pricing for this scenario.
Against the leader
77 vs 73 · gap 4.0Why Bitcoin Well ranks above Swapin (SwapinPay)
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 4.0 to within rounding.
DimensionThisBitcoin WellGap share
Availability · 23% weight · constant here6.06.0same
Published criteria · 35% weight16.017.4−3.6, worse
Friction · 12% weight · constant here2.72.7same
Trust record · 9% weight · constant here3.23.2same
Measured data · 21% weight8.38.3same
Published criterionThisBitcoin WellPoints
Business days until the biller shows it PAID — and the buffer the vendor admits you need · w3256−1.02, worse
Who eats the price move between your order and the biller's credit · w2269−2.11, worse
What you can hand the biller, and what the terms say the vendor actually did · w2075+1.28, better
Net7377−4.0
Your scenario
Swapin (SwapinPay) 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.RobustnessOne point from changingrank #3 to #4 across one-point re-runs
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 5 · 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 9 · 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 6 · 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 7 · 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% (Swapin (SwapinPay) 5/10)Scored by Who eats the price move between your order and the biller's credit · 22% (Swapin (SwapinPay) 6/10)Scored by What you can hand the biller, and what the terms say the vendor actually did · 20% (Swapin (SwapinPay) 7/10)
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
- SwapinPay block on https://
www .swapin .com /fees-and-conditions /, fetched 28 September 2026 ("SwapinPay: pay with crypto and the recipient will get fiat"), per tier Transaction volume | Swapin Fee | Bank transfer fee | Minimum fee | Crypto to fiat exchange rate: "From 5 € to 15 000 €" | "1.35%" | "0.4%" | "2.95 €" | "Fixed for 30 mins"; "Over 15 000 € to 30 000 €" | "1.1%" | "0.4%" | "2.95 €" | "Fixed for 30 mins"; "Over 30 000 € to unlimited" | "0.8%" | "0.4%" | "2.95 €" | "Fixed for 30 mins". Footnote: "SwapinPay fees apply for personal accounts. Different fees may apply for business accounts." General rows on the same page: "Minimum transaction amount:" "5 EUR"; "Refund and recovery from unsupported networks (if possible):" "1% (minimum 50 EUR)"; "Fees for non EEA clients will be calculated based on the use case." The same page prices the offramp differently: SwapinGet "From 5 € to unlimited" at "0.8%" Swapin Fee, "0.2%" bank transfer fee, exchange rate "Floating" — the bill product costs more and what the extra buys is the 30-minute lock. Help article 161740 (Intercom stamp 17 September 2026) still contradicts the footnote with "SwapinPay fees apply to both personal and business accounts." Fee level is not scored on this page; the "Fixed for 30 mins" cell is cited under exact_amount_and_rate_lock as evidence of the lock only.Swapin (SwapinPay) — official pricing page ↗ · 28 October 2026 - Prices published in
- USDSwapin (SwapinPay) — official pricing page ↗ · 28 October 2026
- Licences held
- Not published
- Compliance level
- partial
- Regulatory note
- Swapin publishes more timing disclosure than anything else in the 5-6 band and then disclaims the part this criterion actually measures. WHAT IS PUBLISHED, all re-read 14 August 2026. https://
www .swapin .com /fees-and-conditions / under 'Payment processing times': '95% of Swapin crypto-to-fiat transactions are processed in 5 mins or less. - Supported chains
- Bitcoin, Ethereum, Litecoin, Bitcoin Cash, Dash, Tron, BNB Smart Chain, Polygon
- Markets served
- europe
- Primary markets
- Not published
- Restricted markets
- United Kingdom, Hungary, Austria
- Operating limits
- Not published
- Availability note
- EEA PLUS SWITZERLAND, MINUS HUNGARY, AND THE VENDOR'S OWN PUBLISHED LIST BOTH OMITS AUSTRIA AND INCLUDES NON-EEA GIBRALTAR — all re-verified 14 August 2026. The headline answer is on the product page itself, https://
www .swapin .com /individuals /pay-with-crypto /, under 'Who can use Swapin's solutions?': 'Both individual and business customers in EEA (European Economic Area).' The operative enumerated list is at https:// help .swapin .com /en /articles /161744 -named-ibans-for-payments-in-your-name — 'This solution is available for our customers who are EEA (European Economic Area) and Switzerland residents. The full list of countries is below:' — followed by exactly 31 entries, transcribed in order: Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland. THREE DEFECTS IN THAT LIST, ALL VERIFIED BY STRING SEARCH ON THE ARTICLE ITSELF: (1) AUSTRIA IS ABSENT — zero occurrences — while the control page https:// help .swapin .com /en /articles /161746 -sepa-bank-accounts does list Austria among SEPA countries, so an Austrian reader is told 'EEA' by the prose and excluded by the list, and neither page resolves the conflict. (2) Gibraltar is present although it is not in the EEA: the list is not the EEA in either direction. (3) HUNGARY IS STILL LISTED but is terminated: https:// help .swapin .com /en /articles /570688 -crypto-services-in-hungary-regulatory-changes, dated 18 February 2026, states 'As a result of recent changes in Hungarian regulations for crypto-asset service providers, Swapin will be forced to discontinue all services for customers residing or registered in Hungary. This applies to both private and business accounts.', 'All private accounts registered in Hungary will be terminated.', 'Customers from Hungary will not be allowed to register.' and 'Services will not be available until regulatory conditions are met.' The eligibility list has not been updated in the six months since. THE HARD RAIL LIMIT is narrower than 'Europe' in one direction and wider in another: settlement is SEPA-only and EUR/GBP-only for individuals — https:// help .swapin .com /en /articles /161772 -transactions-faq: 'Currently, Swapin supports EUR and GBP as fiat currencies and operates within the SEPA zone for individual clients. For business clients, we also offer USD settlement options.' — and https:// help .swapin .com /en /articles /161746 -sepa-bank-accounts: 'Indeed, at present, Swapin exclusively facilitates crypto-to-fiat payments to SEPA bank accounts.' Note the asymmetry the row should carry: the BILLER can sit anywhere in the 36-country SEPA area the same article enumerates (which does include Austria, the United Kingdom, Monaco, Andorra, San Marino and Vatican City), but the BUYER must be resident in the 31-country list above. Non-EEA buyers are not flatly barred but are repriced and restricted — https:// www .swapin .com /fees-and-conditions /: 'Fees for non EEA clients will be calculated based on the use case.', with https:// help .swapin .com /en /articles /161740 -fees-supported-currencies-and-processing-times adding 'Transactions linked to restricted or forbidden countries will also not be processed.' Named IBAN nationality: 'For customers from Switzerland, we issue GB IBANs. For customers from all other countries, we provide IE IBANs.' Region bucket 'europe' is used because this is a single-region EEA/Swiss product; it is emphatically NOT 'global', and a reader outside the EEA and Switzerland should be gated to 0.
No confirmed legal entity is on file for this record. Nothing is inferred from the brand name.
If something goes wrong with Swapin (SwapinPay): 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 73, #3 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:swapin:2026.10.18:ff085c92b753
Are you Swapin (SwapinPay)? 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.