| name | blindpay |
| description | Use when integrating with BlindPay for stablecoin-to-fiat payouts, fiat-to-stablecoin payins, receiver KYC management, bank accounts, blockchain wallets, virtual accounts, or offramp wallets. |
| license | MIT |
| metadata | {"author":"blindpay","version":"1.0","tags":"payments, stablecoin, crypto, fiat, payout, payin, usdc, usdt"} |
BlindPay Integration
Overview
BlindPay is a global payment infrastructure that enables worldwide money transfers using both traditional fiat currencies and stablecoins.
Key Capabilities:
| Feature | Description |
|---|
| Payouts | Convert stablecoins (USDC, USDT) to fiat and send to bank accounts |
| Payins | Convert fiat to stablecoins and send to blockchain wallets |
| Multi-Chain | Supports Ethereum, Base, Polygon, Arbitrum, Stellar, Solana, Tron |
| Multi-Currency | USD, BRL, MXN, ARS, COP and more via ACH, Wire, PIX, SPEI, SWIFT |
| Virtual Accounts | Generate dedicated US bank accounts for receivers |
| Offramp Wallets | Auto-convert incoming stablecoins to fiat |
Important: BlindPay is non-custodial. Funds remain under user control throughout the process. Failed transactions are automatically returned to the originating wallet.
Quick Start
Authentication
All API calls require:
- API Key: Passed as
Authorization: Bearer YOUR_API_KEY
- Instance ID: Included in the URL path
curl --request GET \
--url https://api.blindpay.com/v1/instances/in_000000000000/receivers \
--header 'Authorization: Bearer YOUR_API_KEY'
Payout Flow (Stablecoin → Fiat)
- Accept Terms of Service → Get
tos_id
- Create Receiver → KYC verification, get
receiver_id
- Add Bank Account → Get
bank_account_id
- Create Payout Quote → Get
quote_id (valid for 5 minutes)
- Approve Tokens → ERC20 approval for BlindPay contract
- Execute Payout → Stablecoins collected, fiat sent to bank
See references/getting-started/stable-to-fiat.md for complete guide.
Payin Flow (Fiat → Stablecoin)
- Accept Terms of Service → Get
tos_id
- Create Receiver → KYC verification, get
receiver_id
- Add Blockchain Wallet → Get
blockchain_wallet_id
- Create Payin Quote → Get
payin_quote_id (valid for 5 minutes)
- Execute Payin → Get payment instructions (PIX code, CLABE, etc.)
- Send Fiat → Once received, stablecoins sent to wallet
See references/getting-started/fiat-to-stable.md for complete guide.
Payment Rails
| Type | Country | Speed |
|---|
| ACH | US | ~2 business days |
| Wire | US | ~1 business day |
| RTP | US | Instant |
| PIX | Brazil | Instant |
| SPEI | Mexico | Instant |
| ACH COP | Colombia | ~1 business day |
| Transfers 3.0 | Argentina | Instant |
| International SWIFT | Global | ~5 business days |
Supported Networks
| Network | Instance Type | Tokens |
|---|
| Ethereum | Production | USDC, USDT |
| Base | Production | USDC, USDT |
| Polygon | Production | USDC, USDT |
| Arbitrum | Production | USDC, USDT |
| Stellar | Production | USDC |
| Solana | Production | USDC, USDT |
| Tron (beta) | Production | USDT |
| Sepolia, Base Sepolia, etc. | Development | USDB (test token) |
Development vs Production
| Feature | Development | Production |
|---|
| KYC | Auto-approved | Manual/automatic review |
| Payouts | Simulated (no real fiat) | Real bank transfers |
| Payins | Auto-completed after 30s | Real fiat deposits required |
| Token | USDB (fake stablecoin) | USDC, USDT |
Testing Scenarios
| Amount | Result |
|---|
| Any amount | Success (default) |
| $666.00 | Failed |
| $777.00 | Refunded |
Use first name "Fail" when creating receivers to simulate KYC rejection.
Error Handling
Always check API responses for errors:
{
"error": {
"message": "please_accept_terms_of_service",
"code": "TERMS_NOT_ACCEPTED"
}
}
Common errors:
please_accept_terms_of_service - Receiver needs to accept updated TOSquote_expired - Quote older than 5 minutes, create a new oneinsufficient_balance - Wallet doesn't have enough tokenskyc_not_approved - Receiver KYC still pending or rejected
Reference Documentation
Getting Started
Essentials
Guides
