The Derma Co 2% Niacinamide Hydrating BB Cream

A really common myth is that mineral filters work by reflecting UV light off your skin like tiny mirrors.

They don't only do that; modern research shows TD protects mostly by absorbing UV radiation, the same way chemical filters do.

When researchers measured this, reflection accounted for only about 4-5% of the protection (and less than SPF 2 on its own). The other ~95% comes from absorption: the UV photons hit the particle and their energy gets soaked up by its semiconductor band gap rather than bouncing off.

So "reflects vs. absorbs" was never really the right way to split mineral from chemical filters.

TD gives broad-spectrum protection that's strongest in the UVB and UVA-2 range and weaker in the UVA-1 range. Its UVA protection isn't quite as strong as Zinc Oxide's which is why you'll often see the two paired together.

Together, they make a solid broad-spectrum system.

TD is a great pick for sensitive, acne-prone, or redness-prone skin because it's non-irritating and chemically inert. Regulatory reviews classify it as a non-sensitizer and mild-to-non-irritant.

It's also unlikely to cause the "eye sting" some chemical filters are known for.

The main trade-off is cosmetic; TD can leave a white cast and has a thicker texture. This is why mineral sunscreens are often less cosmetically elegant than chemical or hybrid formulas (and harder to shade-match on deeper skin tones).

Formulators often use micronized or nano-sized TD to cut down on white case and improve spreadability. Smaller particles scatter less visible light so the formula looks less chalky while still filtering UV.

TD is almost always bundled with coatings like Alumina, Silica, Stearic Acid, or Dimethicone. These coatings do two important jobs:

TD can be used at up to 25% in a finished sunscreen; this is the regulatory ceiling in both the US and the EU.

In practice, the amount in any given product varies a lot depending on the target SPF and whether it's paired with other UV filters.

TD is one of the most heavily vetted sunscreen ingredients out there. It is approved as a UV filter in all major markets worldwide, including the US, EU, UK, Japan, Korea, China, Australia, and Canada.

The safety evidence is solid. There was an old worry that nano particles might absorb through skin into the body but multiple studies (including on damaged, sunburned, and UV-irradiated skin) have shown that TD stays on the surface and the layer of dead skin cells on top of everything else.

There's also no evidence of carcinogenicity, mutagenicity, or reproductive toxicity from dermal exposure of this ingredient.

For those who have seen the headline about a 2022 EU ban on TD, that was on TD as a food additive (a complete separate use from topical sunscreen).

There are ongoing questions about how nano-TD might affect marine ecosystems. As of now, there has been no conclusive evidence that any form of TD (or any other sunscreen filter) harms coral reefs or marine life.

The science is still developing and it's a space worth watching rather than packing over.

However, several destinations have reef-safety sunscreen rules that restrict certain chemical filters and steer visitors toward mineral, non-nano options. If you're traveling somewhere with these rules, a non-nano mineral sunscreen is the safe bet.

The Cosmetic Review Expert Panel has concluded the alkyl benzoate group to be safe as used in cosmetics; it wasn't found to be a skin irritant and unlikely to be absorbed due to its low water solubility.

This report recorded almost 1000 reported uses with concentrations up to 59% in leave-on products but your cosmetics will typically use 0.5-15% depending on the product.

It's often called a "SPF booster": this is because it keeps UV filters properly dissolved and evenly distributed to support a sunscreen's performance. It doesn't actually raise SPF on its own.

Overall, this ingredient is well tolerated.

This ingredient is fungal acne safe because it is an ester of benzoic acid.

Think of this ingredient as two parts stuck together: an oily part and an acid part. Malassezia only gets a meal when it can snip off a fatty acid to eat. With C12-15 Alkyl Benzoate, the acid part is benzoic acid, which isn't a fatty acid and which the yeast can't use as food.

Benzoic acid is actually used as a preservative to stop yeast from growing.

The oily part is a blend of C12-15 fatty alcohols but fatty alcohols in this size range can support only a little Malassezia growth (mostly for one species of Malassezia as well).

In the ingredient, those alcohols stay locked inside the molecule. The yeast can only reach them by snipping the benzoate bond, and that type of bond is harder for it to cut than a normal fatty bond.

So not much gets released. And whatever does get snipped comes packaged with benzoic acid, which discourages yeast growth.

In formulas, it's always paired with a separate UVA filter because octinoxate solely protects skin from UVB.

Because it's an oil-soluble liquid, it's easy to blend into the oil phase of lotions/creams and gives a cosmetically elegant feel.

The one quirk about formulating this ingredient is photostability; the molecule slowly changes shape into a less effective version when sunlight hits it. So the longer you're in the sun, the weaker its protection gets. The drop can be more than 30% in some formulas.

It also doesn't play nice with Avobenzone (the common UVA filter) since avobenzone destabilizes octinoxate and the two degrade each other. But don't worry: brands have solved this issue by adding photostabilizers like Tinosorb S to prevent degradation and keep SPF stable under heavy UV exposure.

The maximum allowed level is 10% in the EU and Australia, 7.5% in the US and Canada, and 20% in Japan.

The Cosmetic Ingredient Review Panel has concluded this ingredient to be safe in cosmetics up to 10%.

One last thing worth knowing for context:

Octinoxate has been the subject of ongoing review in Europe where the Scientific Committee on Consumer Safety's (SCCS) 2025 final opinion is that this ingredient is an endocrine-active substance.

Lab and animal studies suggest it can act a bit like a hormone in the body (mildly mimicking estrogen and slightly blocking male hormones). It's important to know this hasn't really been shown to happen in everyday human use.

This ingredient is also banned in Hawaii over coral reef concerns.

This ingredient is an ester of 2-ethylhexyl alcohol and stearic acid.

Emulsifiers prevent oils and waters from separating.

Isohexadecane is often used in products designed to help oily skin. It is lightweight and non-greasy while helping to moisturize. When mixed with silicones, it gives a product a silky feel.

The CIR Expert Panel has evaluated the scientific data and found this ingredient to be safe, non-irritating, and non-sensitizing at concentrations up to 5% (it's even approved by the FDA as an OTC eye drop ingredient).

You might have heard of "niacin flush", or the reddening of skin that causes itchiness. Niacinamide has not been found to cause this.

In very rare cases, some individuals may not be able to tolerate niacinamide at all or experience an allergic reaction to it.

If you are experiencing flaking, irritation, and dryness with this ingredient, be sure to double check all your products as this ingredient can be found in all categories of skincare.

When incorporating niacinamide into your routine, look out for concentration amounts. Typically, 5% niacinamide provides benefits such as fading dark spots. However, if you have sensitive skin, it is better to begin with a smaller concentration.

When you apply niacinamide to your skin, your body converts it into nicotinamide adenine dinucleotide (NAD). NAD is an essential coenzyme that is already found in your cells as "fuel" and powers countless biological processes.

In your skin, NAD helps repair cell damage, produce new healthy cells, support collagen production, strengthen the skin barrier, and fight environmental stressors (like UV and pollution).

Our natural NAD levels start to decline with age, leading to slower skin repair, visible aging, and a weaker skin barrier. By providing your skin niacinamide, you're recharging your skin's NAD levels. This leads to stronger, healthier, and younger looking skin.

Another name for vitamin B3 is nicotinamide. This vitamin is water-soluble and our bodies don't store it. We obtain Vitamin B3 from either food or skincare. Meat, fish, wheat, yeast, and leafy greens contain vitamin B3.

The type of niacinamide used in skincare is synthetically created.

You'll likely see this in many BHA products because this is the go-to solvent for salicylic acid.

This ingredient is typically used at levels between 2-20%.

Regarding fungal acne:
In 2019, this ingredient was tested against multiple Malassezia species (the yeast that causes fungal acne) and showed no growth.

The Cosmetic Ingredient Review Expert Panel has concluded this ingredient to be safe in cosmetics and noted the large molecules aren't likely to be absorbed into skin.

Because it carries a fatty-acid ester component (stearic acid), it may not be fungal acne safe.

This ingredient is most commonly found in a popular trio called Aquaxyl. Aquaxyl is made up of anhydroxylitol(24 - 34%), xylitylglucoside (35 - 50%), and xylitol (5 - 15%).

According to a manufacturer, Aquaxyl is known for a 3-D hydration concept and an anti-dehydration shield to reinforce the outer layer of skin.

This ingredient is most commonly found in a popular trio called Aquaxyl. Aquaxyl is made up of anhydroxylitol (24 - 34%), xylitylglucoside (35 - 50%), and xylitol (5 - 15%).

According to a manufacturer, Aquaxyl is known for a 3-D hydration concept and an anti-dehydration shield to reinforce the outer layer of skin.

This ingredient is often derived from plants such as wood and sugarcane.

The prebiotic property of xylitol may also help reinforce our skin's natural microbiome. Having a healthy microbiome prevents infection by bad bacteria and helps with hydration.

As a humectant, Xylitol helps draw moisture from both the air and from deeper skin layers. This helps keep skin hydrated.

Xylitol is a sugar alcohol and commonly used as a sugar substitute. It is naturally occurring in plants such as strawberries and pumpkin.

That's why you'll spot it in a variety of products from sunscreens to clear-packaged serums where it protects dyes, fragrances, and other actives from degrading.

As a UV filter, it is fairly weak on its own. This is why it's almost always paired with stronger UV filters to build up SPF.

On the regulatory side, this ingredient is well-studied and broadly considered safe as used.

The EU's Scientific Committee on Consumer Safety reviewed it (and the endocrine-disruption questions that had been raised) and concluded it's safe as a UV filter up to 5%.

The US and Canada allow up to 10% and the CIR Expert Panel has found benzophenones safe at cosmetic-use levels with low skin penetration.

The only thing worth flagging for is contact allergy:

Benzophenone-4 stands out among UV filters as a frequent trigger or allergic and photoallergic contact dermatitis. A 2007 study in Contact Dermatitis even called it an "emerging allergen" so a small subset of people may get redness or irritation from it.

Interestingly, the size of the molecule affects its behavior:

Some clinical evidence links low molecular weight versions to improved wrinkle depth, elasticity, anti-inflammatory effects, and barrier repair.

Many serums use a blend of both weights so you can get surface hydration plus longer-lasting and deeper effects.

You'll typically see concentrations between 0.1-2% for this ingredient.

On a cellular level, it disrupts the cell membranes of microbes by poking holes that make the cell leak. This shuts down the chemical reactions the microbe needs to make energy so it can no longer survive.

Another perk of this ingredient is that it stays functional across a wide pH range (3-10).

You'll often see it paired with boosters like Ethylhexylglycerin; one study showed that a 1:9 ratio of Ethylhexylglycerin to Phenoxyethanol damages bacterial membranes as effectively as doubling the Phenoxyethanol concentration on its own.

Typical use concentrations range from 0.3-1% depending on the formula, and this ingredient is capped at 1% int the EU.

Safety-wise, the fear mongering does not hold up to the evidence. The EU's Scientific Committee on Consumer Safety and FDA consider it safe as a preservative at up to 1%, including for children of all ages.

Adverse systemic effects only showed up in animal studies at exposures roughly 200x higher than what people get from cosmetics. And despite its very widespread use, this ingredient is a rare sensitizer and allergic reactions are uncommon.

Industry-reported use ranges from 8% in rinse-off products and 2% in leave-on formulations.

Synthetically created CI 77492 is considered safer than those naturally found. This is because the synthetically created version may contain less impurities. Iron oxides are generally non-toxic and non-allergenic.

Dimethicone comes in different viscosities:

Depending on the viscosity, dimethicone has different properties.

Ingredients lists don't always show which type is used, so we recommend reaching out to the brand if you have questions about the viscosity.

This ingredient is unlikely to cause irritation because it does not get absorbed into skin. However, people with silicone allergies should be careful about using this ingredient.

Note: Dimethicone may contribute to pilling. This is because it is not oil or water soluble, so pilling may occur when layered with products. When mixed with heavy oils in a formula, the outcome is also quite greasy.

Synthetically created Ci 77491 is considered safer than those naturally found. This is because the synthetically created version may contain less impurities. Iron oxides are generally non-toxic and non-allergenic.

While MAP is gentler on the skin than ascorbic acid, it is thought to be less easily absorbed into the skin.

In a well-known absorption study, pure vitamin C increased skin vitamin C levels when formulated correctly, but derivatives like MAP did not in that experiment. This suggests MAP may not always convert into active vitamin C in the skin.

Due to MAP's stability up to a pH level of 7, it is more stable to air and sunlight exposure than ascorbic acid. The best pH range for MAP is between 5 and 6.