Yes. WIBS PHP's operator, WIBS PHP, Inc., is on the BSP's list of licensed virtual asset service providers.Its licence is a BSP Certificate of Authority under BSP Circular No. 1108, s. 2021; the BSP Verifier record was last updated 21 July 2026. It is one of 6 non-bank providers among the 8 active names (9 on the BSP list dated 15 July 2026, less 1 marked inactive). See the BSP list · BSP Circular No. 1108, s. 2021
Skip it if you use an iPhone: the DOPAY app is on Android only, in early access.
| BSP VASP licence | Yes, non-bank BSP Verifier, record updated 21 July 2026 |
|---|---|
| Trading fee | Not on WIBS PHP's fee page WIBS PHP site, as listed on 2 October 2026 |
| Cash out to GCash or Maya | Not on WIBS PHP's pages WIBS PHP site, as listed on 2 October 2026 |
| Send crypto out | Not on WIBS PHP's pages WIBS PHP site, as listed on 2 October 2026 |
| Official site | wibs-php.com/dopay-vc |
Next: open WIBS PHP only from its official site, wibs-php.com/dopay-vc; see what WIBS PHP publishes on fees, or compare all 8 licensed providers.
WIBS PHP says the BSP licenses it as both an e-money issuer and a VASP. Its exchange runs in the DOPAY app, where you place peso buy and sell orders at a price and quantity you choose. WIBS PHP about page
WIBS PHP does not publish a fee schedule on its website. BSP Circular No. 1108, s. 2021 requires it to tell you its actual fees and charges, including for withdrawals, before you use the service, so ask for them in writing first. BSP Circular 1108
No exchange, wallet or bank pays to appear on this page or to change its order.
| Provider | Trading fee | Cash out | Send crypto out | Skip it if |
|---|---|---|---|---|
| Coins.phNon-bank VASPOfficial site | Convert: no fee, spread applies. Spot: 0.1% maker / 0.15% taker at Tier 0 Coins.ph fee schedule, as listed on 2 October 2026 | InstaPay, ₱5 flat, ₱1 to ₱50,000 per cash-out Coins.ph help centre, as listed on 2 October 2026 | Yes; network fee varies by token and network. Receiving is free Coins.ph help centre, as listed on 2 October 2026 | you cash out more than ₱50,000 at a time to GCash or Maya: InstaPay caps each cash-out at ₱50,000, so bigger sums go by PESONet to a bank Coins.ph help centre, as listed on 2 October 2026 |
| Maya CryptoNon-bank VASPOfficial site | No transaction fee; Maya earns a margin on the price (percentage not published) Maya Crypto terms, as listed on 2 October 2026 | Sells straight to your Maya Wallet, real time or up to 2 business days Maya Crypto terms, as listed on 2 October 2026 | Unavailable since Maya refreshed the feature (help centre, 19 Dec 2025) Maya help centre, posted 19 December 2025 | you need to move coins to another wallet: Maya said on 19 December 2025 that Send and Receive were unavailable Maya help centre, posted 19 December 2025 |
| MoneybeesNon-bank VASPOfficial site | No transaction fee; a margin is built into the posted rate Moneybees terms, updated 27 August 2026 | Pesos to your bank account, or cash at a partner outlet Moneybees site, as listed on 2 October 2026 | Coins you buy are sent to the wallet you choose Moneybees site, as listed on 2 October 2026 | you want to keep and trade coins inside an app: Moneybees sends the coins you buy to your own wallet, and its posted rates are valid for 15 minutes Moneybees site, as listed on 2 October 2026 |
| PDAXNon-bank VASPOfficial site | No trading fee row on PDAX's fee page PDAX fee page, as listed on 2 October 2026 | InstaPay, ₱15, real time, up to ₱50,000; Maya must be a verified account PDAX fee page, as listed on 2 October 2026 | Yes; fee not fixed, shown before you confirm. Basic accounts cannot withdraw crypto PDAX help centre, as listed on 2 October 2026 | you fund from an e-wallet often: PDAX lists a 3% plus ₱15 cash-in fee from Maya and 1.80% from GrabPay, against free cash-in from UnionBank or Sterling Bank PDAX help centre, as listed on 2 October 2026 |
| TopJuan TechnologiesNon-bank VASP | No provider website | No provider website | No provider website | No provider website |
| GoTyme Go CryptoBank VASPOfficial site | Shown in the app before each order; no amount published GoTyme account terms, as listed on 2 October 2026 | To your GoTyme everyday account, converted from US dollars to pesos, in 1 to 2 days GoTyme help centre, as listed on 2 October 2026 | Not offered: no external wallets or transfers GoTyme crypto page, as listed on 2 October 2026 | you want to hold coins in your own wallet or send them elsewhere: Go Crypto has no external wallets or transfers, and every trade goes through US dollars GoTyme crypto page, as listed on 2 October 2026 |
| UnionBankBank VASPOfficial site | A spread added to the market price (illustrated as ₱3,030 on a ₱1,000,000 BTC price: ₱3,030 ÷ ₱1,000,000 = 0.30%) UnionBank virtual asset terms, as listed on 2 October 2026 | Sell for pesos inside UnionBank Online UnionBank virtual asset terms, as listed on 2 October 2026 | No send or receive function in the terms UnionBank virtual asset terms, as listed on 2 October 2026 | you want to move crypto in or out: UnionBank’s terms cover buying and selling for pesos only UnionBank virtual asset terms, as listed on 2 October 2026 |
| WIBS PHPNon-bank VASPOfficial site | Not on WIBS PHP's fee page WIBS PHP site, as listed on 2 October 2026 | Not on WIBS PHP's pages WIBS PHP site, as listed on 2 October 2026 | Not on WIBS PHP's pages WIBS PHP site, as listed on 2 October 2026 | you use an iPhone: the DOPAY app is on Android only, in early access WIBS PHP site, as listed on 2 October 2026 |
| Licensed company | WIBS PHP, Inc. |
|---|---|
| BSP status | Licensed VASP |
| Type | Non-bank VASP |
| Head, as listed | Mr. Toshiro Togawa |
| Head office | 23F Tower 6789 Ayala Avenue, Bel-Air, 1209 Makati City, Metro Manila |
| Phone, as listed | (632) 8299-3309 |
| Compliance or support email | compl-t1@wibs-php.com |
From the BSP Verifier VASP directory and the BSP list of VASPs dated 15 July 2026. Crypto used mainly as a means of payment falls under the BSP. Crypto offered or sold as a security, or as a financial product under RA 11765, falls under the SEC. SEC advisory on the effectivity of the CASP Rules, 14 Jul 2025
Rules from the BSP Circular No. 1108, s. 2021 (issued January 2021).
Rules from the Financial Products and Services Consumer Protection Act (RA 11765) (approved 6 May 2022).
A peso crypto exchange inside its DOPAY app, where you place buy and sell orders at a price and quantity you choose. (Source: WIBS PHP site, as listed on 2 October 2026.)
No. WIBS PHP lists DOPAY on Android only, in early access. (Source: WIBS PHP site, as listed on 2 October 2026.)
WIBS PHP says the BSP licenses it as an e-money issuer as well as a VASP. (Source: WIBS PHP site, as listed on 2 October 2026.)
WIBS PHP does not publish a fee schedule on its website. BSP Circular No. 1108, s. 2021 requires it to tell you its actual fees and charges, including for withdrawals, and how losses from hacks, system failures or human error are settled.
Profit from selling or trading crypto is taxable income, whether you trade on WIBS PHP or elsewhere. How the BIR treats it, and which rate applies, is on crypto tax in the Philippines; estimate the amount with the income tax calculator.
No exchange, wallet or bank pays to appear on this page or to change its order.
Betur Inc.
Skip it if you cash out more than ₱50,000 at a time to GCash or Maya: InstaPay caps each cash-out at ₱50,000, so bigger sums go by PESONet to a bank.
Maya Philippines, Inc.
Skip it if you need to move coins to another wallet: Maya said on 19 December 2025 that Send and Receive were unavailable.
Moneybees Forex Corp.
Skip it if you want to keep and trade coins inside an app: Moneybees sends the coins you buy to your own wallet, and its posted rates are valid for 15 minutes.
Philippine Digital Asset Exchange (PDAX)
Skip it if you fund from an e-wallet often: PDAX lists a 3% plus ₱15 cash-in fee from Maya and 1.80% from GrabPay, against free cash-in from UnionBank or Sterling Bank.
This page covers WIBS PHP's licence, published fees and cash-out. For a problem with a specific transaction, go to WIBS PHP's support first, then the BSP; for tax on your gains, the BIR or a tax adviser; for whether to invest, a licensed investment adviser.
