Kotani Pay vs Bitwage
Kotani Pay and Bitwage compete in the same bracket: coverage, certifications and integration time-to-market decide it. For a serious B2B comparison request custom pricing from both: public terms are only the starting point.
| Kotani Pay | Bitwage | |
|---|---|---|
| Tier | B | B |
| Rating | ★ 3.9 | ★ 3.8 |
| Service type | Payroll / EOR | Payroll / EOR |
| Pricing model | Spread (bps) | Not disclosed |
| Spread | 100 bps | 100–200 bps |
| Stablecoins | USDC, USDT, cUSD | USDC, USDT |
| SDK | JavaScript, TypeScript, REST | — |
| Processed volume | $23M | $400M |
| Fund custody | Self-custody (funds in your control) | Self-custody (funds in your control) |
| KYC | Full | Full |
| Supported countries | AFRICA · 60+ countries | US, EEA, LATAM, APAC · 170+ countries |
| Regulator | FSCA | FinCEN / State banking regulators |
| OAM Italy registration | No | No |
| Segment | B2B | B2B |
| Fiat rails | — | SEPA, ACH, SWIFT |
| Custody model | — | non-custodial |
| Regions | Africa | US, EU/EEA, LATAM, APAC |
| Licences & safety | CASP | FinCEN MSB + State Money Transmitter Licenses |
Frequently asked questions
Kotani Pay vs Bitwage: which is better?
Kotani Pay and Bitwage compete in the same bracket: coverage, certifications and integration time-to-market decide it. For a serious B2B comparison request custom pricing from both: public terms are only the starting point.
Which is cheaper, Kotani Pay or Bitwage?
On the standard spending profile Bitwage has the lowest net annual cost: €0 versus — for Kotani Pay.
Is Kotani Pay custodial or self-custody?
Kotani Pay is self-custody: you keep the keys, while Bitwage is self-custody.