---
url: /docs/kb.md
description: >-
  Reference guides for supported chains, countries, payment methods, compliance
  requirements, and processing timelines.
---

Reference guides for topics that span the API: chains and tokens, compliance, and processing timelines.

## Guides

Operational how-tos for running payments day to day.

| Guide | What it covers |
| --- | --- |
| [Payout descriptor](/docs/kb/payout-descriptor) | How the sender's name appears on a recipient's bank statement, per rail |
| [On-hold transactions](/docs/kb/on-hold-transactions) | Transactions held for compliance review and how they resolve |
| [Nested payments](/docs/kb/nested-payments) | Recognizing payments made on behalf of unseen parties, and staying compliant |
| [POBO and COBO](/docs/kb/pobo-cobo) | Paying and collecting for your customers, and what puts their name on a Wire |
| [SWIFT deliverability](/docs/kb/swift-deliverability) | Documents and address formatting that maximize SWIFT delivery success |
| [SWIFT statuses](/docs/kb/swift-statuses) | Tracking SWIFT compliance documents through review and approval |

## Coverage

Where BlindPay operates and what it supports.

| Guide | What it covers |
| --- | --- |
| [Supported countries](/docs/kb/supported-countries) | Every country by tier: standard, high-risk, and prohibited |
| [Supported chains](/docs/kb/supported-chains) | Chain and token matrix across payins, payouts, wallets, and transfers |
| [Payment methods](/docs/kb/payment-methods) | Bank rails by country and currency, for payins and payouts |
| [Cut-off times](/docs/kb/cut-off-times) | Processing windows for ACH, wire, SWIFT, Pix, SPEI, and more |

## Verification

Everything customers need to pass KYC and KYB.

| Guide | What it covers |
| --- | --- |
| [KYC basics](/docs/kb/kyc-basics) | Document-quality standards and submission guidelines for individuals |
| [KYC requirements](/docs/kb/kyc) | Verification levels, required fields, limits, and the terms of service flow |
| [KYB documents](/docs/kb/kyb-documents) | Business verification documents: formation, ownership, UBOs, and address |
| [Proof of address](/docs/kb/proof-of-address) | Accepted proof-of-address documents for businesses and individuals |
| [Source of funds](/docs/kb/source-of-funds) | Documentation to verify source of funds and source of wealth |
| [NAICS codes](/docs/kb/naics-codes) | Find the NAICS industry code for your business during onboarding |
| [Virtual accounts](/docs/kb/virtual-accounts) | Documentation for the virtual account evaluation, beyond standard KYB |

## Compliance

Reviews, requests for information, and what gets blocked.

| Guide | What it covers |
| --- | --- |
| [Prohibited activities](/docs/kb/prohibited-activities) | High-risk and prohibited business activities, and disclosure obligations |
| [Information requests](/docs/kb/information-requests) | How RFIs work when compliance needs missing KYC or KYB details |
| [Instance requests](/docs/kb/instance-requests) | RFIs about your own account and how to respond before the deadline |
| [Rejection reasons](/docs/kb/rejection-reasons) | Reason codes returned when an application or document is rejected |