# AssetPay — Full Context

> AssetPay is a B2B payment gateway for CS2 and Rust skin trading, operated by AssetPay Oy (Finland, business ID 3537599-6). It provides whitelabel infrastructure for merchants to accept and settle Counter-Strike 2 and Rust skin trades as payment, with Steam-authenticated deposits and withdrawals, a double-entry ledger, signed webhooks, and a scoped API.

## What AssetPay does
- Whitelabel checkout: merchants keep their brand while AssetPay runs the skin-payment operation underneath.
- Pricing & offer handling: eligibility, real-time price context, offer creation, and receipt verification in one trace.
- Ledger & callbacks: every state change is an inspectable double-entry record, returned to the merchant via signed webhooks.
- Games supported: Counter-Strike 2 (CS2) and Rust.

## Documentation
- API reference and guides: https://assetpay.gg/docs

## Frequently asked questions

### How does AssetPay process skin payments?
AssetPay uses automated Steam trade bots to receive skins from buyers, verify their market value in real-time, and credit the equivalent amount to your merchant account. Your users stay on your site for the whole flow - AssetPay never appears in front of them.

### What fees does AssetPay charge?
Our fee is already baked into the quote - the price your user sees is the price you receive. No deductions at settlement, no hidden percentages on the back end. There are no setup costs, no monthly minimums, and no withdrawal fees; you only pay when a trade clears.

### How quickly are payments settled?
Rust trades settle the moment Steam confirms the transfer. CS2 trades stay reversible for seven days under Steam's Trade Protection, so AssetPay pays out an instant, collateral-backed credit as soon as the trade confirms and clears the remainder automatically when the protection window closes. How the instant share is sized is documented in the instant credit guide in our docs.

### Which games and skins are supported?
We currently support Counter-Strike 2 (CS2) and Rust skins. Our pricing engine covers over 42,000 unique skin variants with real-time market data.

### Is there a minimum integration requirement?
No. Integration is a REST API, so anything that can make an HTTPS request works - there is no library to install and no framework requirement. Authenticate, price the inventory, open the trade, then verify the signed webhook we post back to you.

### How does fraud protection work?
We score every user against the full history of every trade they’ve ever made through AssetPay - across all merchants on the network. The more a user trades with us, the more signal we have, and the higher their trust score climbs. New accounts get tighter limits and a smaller instant-credit share; trusted accounts clear in full immediately. Suspicious patterns are flagged and blocked before any value moves.

## Blog
- [SkinsBack Alternative for CS2 and Rust Skin Payments](https://assetpay.gg/blog/skinsback-alternative): AssetPay vs SkinsBack on what each publishes: games, API docs, whitelabel checkout, fees, instant credit, cashouts, and when SkinsBack is still the right pick.
- [CS2 Trade Protection: Who Bears Reversal Risk?](https://assetpay.gg/blog/cs2-trade-protection-reversal-risk): Every CS2 skin deposit is reversible for seven days. Six questions that expose how a gateway allocates that risk — collateral, caps, clawbacks and payouts.
- [Running Steam Trading Bots at Scale: What Breaks](https://assetpay.gg/blog/running-steam-trading-bots-at-scale): Session and authenticator management, undocumented rate limits, inventory caps, fleet routing and settlement verification — the real cost of in-house bots.
- [Instant Skin Cashouts for Gaming Platforms](https://assetpay.gg/blog/instant-skin-cashouts): Instant skin cashouts are an inventory, authorization and delivery problem — how the approval gate makes overdraws impossible and the word "instant" honest.
- [Case Study: $150k of Skin Cashouts in 10 Days](https://assetpay.gg/blog/case-study-150k-skin-cashouts): How a CS2 gaming platform closed its cashout coverage gap with AssetPay and moved $150k of withdrawal volume in just ten days — with no deposit side at all.
- [Best CS2 Skin Payment Gateways in 2026](https://assetpay.gg/blog/best-cs2-skin-payment-gateways): A vendor-written but verifiable comparison of skin payment gateways: AssetPay, SkinsBack, Skinify, Skins.cash and SkinDeck on games supported, docs and fees.
- [Integrating Skin Deposits: an API Walkthrough](https://assetpay.gg/blog/integrate-skin-deposits): A skin deposit integration end to end in real code: client tokens, priced inventory, deposit creation, idempotency, and HMAC-verified settlement callbacks.
- [Payment Methods for Case-Opening Sites: Cards, Crypto and Skins](https://assetpay.gg/blog/case-opening-site-payment-methods): Why card processors decline case-opening sites, where crypto loses conversion, and how skin deposits fit an audience that already holds the inventory.
- [How Rust Skin Pricing Works: Supply, Liquidity and Limited Items](https://assetpay.gg/blog/rust-skin-pricing-guide): Rust skins have no float or wear tiers, so valuations fail on supply instead. Why discontinued items and thin order books break naive Steam-price pricing.
- [How to Accept Rust Skins as Payment](https://assetpay.gg/blog/accept-rust-skins-as-payment): Rust runs on the same Steam trade rails as CS2 but a different economy: no float values, discontinued-skin supply risk, and many-item deposits to price.
- [How CS2 Skin Pricing Works: Float, Wear, and Markets](https://assetpay.gg/blog/how-cs2-skin-pricing-works): Two identical AK-47 Redlines: one worth $40, one worth $400. Float, pattern seeds and sticker premiums explain the gap — and decide your deposit pricing.
- [Steam Trade Holds and Trade Locks: What Merchants Need to Know](https://assetpay.gg/blog/steam-trade-holds-what-merchants-need-to-know): How long Steam trade holds last, why items stay trade-locked for 7 days, what CS2 trade protection changes, and what it means for sites taking skins as payment.
- [Skin Payment Gateways Explained](https://assetpay.gg/blog/skin-payment-gateways-explained): What a skin payment gateway is made of: bot fleets, pricing engines, settlement verification and signed webhooks, plus six questions to ask before you pick one.
- [How to Accept CS2 Skins as Payment on Your Website](https://assetpay.gg/blog/accept-cs2-skins-as-payment): What it takes to accept CS2 and Rust skins as payment: how skin trades settle, gateway vs. in-house bots, integration steps, fees, and the risks to plan for.

## Contact
- Support: support@assetpay.gg