License types: B2B, B2C and White Label

1) Briefly about the main thing

B2C license (operator): the right to offer games to end users. You own the brand, payments, marketing, RG/AML and full reporting.
B2B license (provider): the right to provide platform/content/services to operators. You do not work with players directly, but are responsible for SDLC/security/integration.
White Label (WL): "umbrella" model: you use the license and infrastructure of the WL provider, focusing on brand/marketing. Quick start, but limitations and dependency.

2) What each model covers

2. 1 B2C (operator)

Perimeter: front/back office, cash desk, payments/withdrawals, KYC/AML, Responsible Gaming (RG), content (via B2B), advertising/affiliates, support, reporting and taxes.

• RG/AML policies and controls, sanction screening, self-exclusion;
• Contracts with PSP/KYC/content aggregators; transparent T&C;
• Technical standards: logs/metrics/trails, DR/BCP, secure SDLC, pentests;
• Fiscal and regulatory reporting (GGR, complaints, incidents).

Pros: maximum control, brand/asset value, access to broad PSPs/providers.
Cons: high entry threshold (due diligence, deadlines), CAPEX/OPEX for compliance and IT.

2. 2 B2B (supplier)

Perimeter: platform, games/studios, aggregator, hosting, integration, API/SDK, release processes, technical support for operators; sometimes - live studios.

• Compliance with technical standards/certification RNG/RTP (if content is available);
• Secure SDLC, supply chain (SBOM/signatures), release audit;
• Integration with operators, SLA/incidents, data migration;
• Incident/change reporting, log storage, data processing DPIA.

Pros: scalable B2B revenue (fee/royalty), less marketing risk, diversification by operator/market.
Cons: Entry through certifications and complex integrations; dependency on B2C client licenses.

2. 3 White Label

Perimeter: WL provider holds license/platform/payments/compliance; you are brand, content moderation, marketing/affiliates, CRM.
Typical contract: revenue share, restriction of payment methods/providers, catalog of games, jurisdictions and advertising channels.
Pros: fast go-live (months, not quarters), low start-up budget, ready-made processes.
Cons: WL dependency, limited payment/content/geo flexibility, below margin, harder to capitalize an asset.

3) Selection matrix (when what fits)

4) Requirements and artifacts (by role)

B2C: must-have

Corporation and Key Persons: Transparent Beneficiaries, SoF/SoW, MLRO/AMLO, DPO, RG-Lead;

Policies: AML/CTF, RG, advertising/affiliates, data protection, incidents, DR/BCP;

IT: staging pipelines, change control, SBOM/signatures, observability, pentest/vulnerability scan;

Activities: PSP/KYC/content contracts, RG/AML test cases, decision log, reports for regulator/tax.

B2B: must-have

SDLC/Release: version, API/event test contract, release artifacts, policy-as-code;

Security: mandatory penetration tests, vulnerability management, secret-management, SOC/SIEM (by scale);

Certifications: RNG/RTP (for studios), technical laboratories, integration acts;

Contract base: SLA/OLA, data processing (DPA), export of logs/metrics to operators.

White Label: must-have at the provider

Public matrix of supported jurisdictions/payment methods/game providers;

Evidence-compliance package (RG/AML/data), KPI dashboards, escalation process;

Terms of termination/data migration/domain; technical escrow content/CRM.

5) Economics and responsibility

6) Risks and red flags

B2C: underestimation of compliance and reporting costs; lax control of affiliates and advertising; unavailability of payment architecture (idempotency, HMAC, DLQ).
B2B: no formalized SDLC/certifications; dependence on one operator; weak SLAs/log retentions.
WL: non-transparent restrictions on geo/payment methods/catalog; complex migration conditions; "shifting" RG/AML to a tool-less brand.

7) Migration tracks

WL → own B2C (12-18 months)

1. Data hygiene: domain/account separation, exported logs/metrics, DPA.
2. Payments: PSP/KYC parallel onboarding, sandbox test, idempotency and webhooks signatures.
3. Content: direct contracts with aggregators/studios, certification plan.
4. IT/compliance: implementation of release/observability "as code," RG/AML processes.
5. Release: phased migration of traffic/segments, duplicate KPI monitoring.

B2B → mixed model (B2B + native B2C)

Separation of the platform function from B2C processes (billing, KYC/AML, marketing).
Separate licenses/services/magazines, transparent transfer pricing.

Conflict of interest management: contractual barriers, priorities

8) Readiness checklists

B2C — Definition of Ready

• Target markets/channels and available PSPs confirmed.
• MLRO/DPO/RG-Lead assigned; AML/RG/advertising/data policies approved.
• SDLC Architecture/Observability/DR/Incidents - Documented and tested.
• Contracts with aggregators/studios/PSP/KYC signed; SLA and reporting are clear.
• Financial guarantees/reserves, SoF/SoW collected.

B2B — Definition of Ready

• Certification (RNG/RTP/Lab) in plan/ready.
• SLA/OLA contracts, export metrics/logs, incident process.
• SDLC/signatures/SBOM/security policies - in the pipeline.
• Compatibility Matrix (API/SDK versions, regions, jurisdictions) published.

WL - Due Diligence Provider

• List of supported markets/payment methods/content and ad restrictions.
• Termination conditions, data/domain migration, output price.
• KPIs/dashboards on RG/AML/quality, escalation process and SLA penalties.
• Who owns the player base and how the DPA is designed.

9) RACI (example: brand launch)

10) Frequent questions

Can I have B2B and B2C at the same time? Yes, but separate licenses, processes, and logs; watch for conflicts of interest.
Is WL "always temporary"? Not necessary: WL is suitable for niche brands. But for scaling and capitalization of assets - own B2C is preferable.
What increases the business multiplier faster? Transparent B2C operation with sustainable unit economy and direct contract portfolio.

Brief conclusion

B2C - maximum control and value, but maximum requirements.
B2B - technological scale, certification and mature SDLC.
White Label is a fast start with compromises.
The choice is strategic: start from target markets, payment reality, readiness for compliance and desired capitalization. Plan migration paths and capture evidence-first artifacts - this way the license will become a growth tool, not a source of risk.