Coins.ph to coins.ph BTC/ETH/XRP/BCH transactions are blockchain transactions
Please be guided accordingly:
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You are wrong, you should be the one to be guided here, I'm sure the transaction you posted is not a coins.ph to coins.ph transaction.
The borrower ask for a loan to bet, so probably that address was from a gambling site.
When sending coins using coins.ph to coins.ph transaction, you don't pay anything since it's off chain, it's an
internal transaction. If you noticed, try to check again, you will see in some messages in your history which goes like these.
"send money to a bitcoin address" and "receive money from internal account" ,these are transactions that can be seen in the blockchain.
In short,
Internal - no blockchain record
external - with blockchain record
I hope this is clear now.