Криптоплатежи: технологический разбор

Криптоплатежи — растущий сегмент в iGaming. Обеспечивают global reach, low fees, финансовую конфиденциальность.

Топовые валюты

Bitcoin (BTC): volatility high, transaction time slow (10–60 мин). USDT (Tether): stablecoin, dominant по volume. USDC: regulated stablecoin. ETH: mid volatility. Litecoin, Bitcoin Cash: fast, low fees. Каждая с trade-offs speed/cost/adoption.

Payment processors

BitPay: pioneer, enterprise-focused. Coinbase Commerce: mainstream. NOWPayments, CoinGate: iGaming-friendly. Own wallet integration: self-custody, higher risk и cost. Deposit только vs deposit+withdrawal. Confirmations: 1–6 depending on amount.

Compliance

Travel Rule (FATF): sender info для transactions >$1000. KYC не отменяется — same requirements как для fiat. AML monitoring на blockchain: Chainalysis, TRM Labs, Elliptic. Sanctions screening: OFAC списки crypto addresses. Enhanced due diligence для крипто-пользователей.

Business impact

Fees: 0.5–2% vs 2–5% для cards. Instant settlement (после confirmations). No chargebacks: irrevocable. Global reach: unbanked users. Volatility management: FX hedging, immediate conversion to fiat. Regulatory risk: rapidly evolving landscape.