As a Dutch resident
As a Dutch resident, I am alarmed and outraged by Yapily’s active role in enabling payments to unlicensed offshore casinos that are explicitly illegal under Dutch KSA regulations.
During attempted deposits at banned operators such as Winning.io and similar sites, I repeatedly encountered “Powered by Yapily” payment flows. These transactions are routed via Contiant (paywith.contiant.com) and ultimately authorized through Yapily Connect UAB to Dutch banks such as Revolut and ING. This is not incidental or accidental use — Yapily’s infrastructure is the core payment backbone enabling these illegal gambling transactions to scale, with reports indicating that over 95% of the volume originates from the Netherlands.
Yapily publicly advertises a zero-tolerance policy toward unlicensed gambling and other high-risk verticals. In reality, those statements ring hollow. Yapily either knowingly partners with intermediaries like Contiant — entities that exist solely to funnel Dutch players to illegal iGaming operators — or demonstrates a severe and unacceptable failure of due diligence, transaction monitoring, and partner oversight. Either scenario is damning.
By allowing its regulated open-banking rails to be used this way, Yapily is effectively facilitating the settlement of illegal gambling debts in restricted markets, bypassing Dutch consumer protections, AML safeguards, and KSA enforcement mechanisms. This is not a gray area. These casinos are explicitly banned in the Netherlands for well-documented reasons, including addiction risks, lack of player protections, and absence of regulatory oversight.
This goes far beyond poor compliance hygiene. It is the systematic enabling of illegal activity through a “borrowed” European license, while hiding behind intermediaries to maintain plausible deniability. Regulators — including the Bank of Lithuania and De Nederlandsche Bank (DNB) — should investigate Yapily’s conduct and partner relationships urgently.
Consumers and businesses who value compliance, ethics, and regulatory integrity should think very carefully before trusting Yapily. Their public commitments mean little if their infrastructure continues to power illegal gambling at scale.
