# BlindPay Docs > BlindPay developer documentation ## Table of Contents ### Guides - [Payout descriptor](/docs/kb/payout-descriptor.md): How the sender's name appears on a recipient's bank statement varies by payment method and whether Named Account is enabled. - [On-hold transactions](/docs/kb/on-hold-transactions.md): Transactions flagged as suspicious by BlindPay's monitoring system, held pending compliance review or a Request for Information. - [Nested payments](/docs/kb/nested-payments.md): Nesting is moving money on behalf of a party BlindPay cannot see; this guide explains how to recognize it and stay compliant. - [POBO and COBO](/docs/kb/pobo-cobo.md): How payment on behalf of and collection on behalf of work at BlindPay, what puts your customer's name on a Wire, and where the compliance line sits. - [SWIFT deliverability](/docs/kb/swift-deliverability.md): Requirements for compliance documents and beneficiary address formatting that maximize the chance a SWIFT transfer is delivered. - [SWIFT statuses](/docs/kb/swift-statuses.md): How SWIFT payout compliance documents are tracked through on-hold, review, and approval via the tracking_documents field. ### Coverage - [Supported countries](/docs/kb/supported-countries.md): Every country BlindPay supports, by tier: standard, high-risk (Enhanced KYC required), and prohibited. - [Supported chains](/docs/kb/supported-chains.md): Reference for the blockchains, stablecoins, and per-feature chain support across BlindPay payins, payouts, wallets, and transfers. - [Payment methods](/docs/kb/payment-methods.md): Every bank transfer rail BlindPay supports, by country and currency: ACH, wire, RTP, SWIFT, Pix, SPEI, PSE, Transfers, and SEPA. - [Smart contracts](/docs/kb/smart-contracts.md): USDB is BlindPay's test stablecoin, freely mintable on testnets, with deployed contract addresses across supported networks. - [Cut-off times](/docs/kb/cut-off-times.md): ACH, wire, and SWIFT cut-offs and settlement, instant rails, quote expiry windows, onboarding SLAs, and refund timing. ### Verification - [KYC basics](/docs/kb/kyc-basics.md): Required KYC verification levels, document-quality standards, and submission guidelines for BlindPay customers. - [KYC requirements](/docs/kb/kyc.md): Verification levels, required fields, statuses, limits, document quality, terms of service, and RFIs for BlindPay customers. - [KYB documents](/docs/kb/kyb-documents.md): Document requirements for business KYB verification — formation docs, ownership proof, UBO identification, and proof of address. - [Proof of address](/docs/kb/proof-of-address.md): Accepted proof-of-address documents and submission requirements for business and individual verification. - [Source of funds](/docs/kb/source-of-funds.md): Documentation required to verify the source of funds and source of wealth for your business. - [NAICS codes](/docs/kb/naics-codes.md): Find the NAICS industry code for your business during BlindPay onboarding. - [Virtual accounts](/docs/kb/virtual-accounts.md): Documentation required for the Virtual Account evaluation, including source of funds and source of wealth supporting documents. ### Compliance - [Prohibited activities](/docs/kb/prohibited-activities.md): High-risk and prohibited business activities at BlindPay, and the disclosure obligations required during onboarding and ongoing monitoring. - [Information requests](/docs/kb/information-requests.md): A Request for Information (RFI) is how BlindPay compliance asks for missing KYC or KYB details before a customer can be approved. - [Instance requests](/docs/kb/instance-requests.md): How BlindPay compliance asks your team for additional information about your own account, and how to respond before the 27-day window closes. - [Rejection reasons](/docs/kb/rejection-reasons.md): Reason codes and messages returned when an application or document is rejected during verification. ### Documentation - [Introduction](/docs/introduction.md): BlindPay is a global payment API that moves money over bank rails and stablecoins from a single integration. - [Overview](/docs/overview.md): Connect to bank rails or stablecoin networks (or both) through one REST API. Issue virtual accounts and move fiat payins and payouts, or hold, send, and receive USDC and USDT across chains. - [Build with AI](/docs/build-with-ai.md): Connect AI coding agents and AI builders to BlindPay with an MCP server, Agent Skills, and a REST API. - [SDKs](/docs/sdks.md): Official BlindPay SDKs for Node.js, Python, Go, PHP, and Swift, plus the OpenAPI spec and REST API reference. ### Quickstart - [Bank transfer to stablecoins](/docs/quickstart-payin.md): Accept a bank transfer and have BlindPay deliver the equivalent stablecoins automatically on a development instance, using only the REST API. - [Stablecoins to bank transfer](/docs/quickstart-payout.md): Send your first off-ramp payout from a BlindPay-managed wallet to a bank account on a development instance, using only the REST API. ### Learn - [API keys](/docs/learn/api-keys.md): Authenticate all BlindPay API requests with an instance-scoped API key created in the dashboard. #### Instances - [Instances](/docs/learn/instances.md): Instances are isolated BlindPay environments, one per stage of your stack, created in the dashboard. - [Sandbox vs. production](/docs/learn/sandbox-vs-production.md): The exact behavioral differences between development and production instances, plus a checklist for switching over. - [Billing](/docs/learn/billing.md): How BlindPay charges for virtual accounts, transactions, and partner fees, and when invoices go out - [Partner fees](/docs/learn/partner-fees.md): Add percentage or flat fees to your customers' transactions and withdraw the accumulated revenue monthly. #### Customers - [Customers](/docs/learn/customers.md): People or businesses that send or receive payments and stablecoins through BlindPay. - [Terms of Service](/docs/learn/terms-of-service.md): A legal agreement your customers must accept before you create them and start KYC. - [RFI](/docs/learn/rfi.md): Respond programmatically when BlindPay's compliance team needs additional documentation from a customer. - [Limit increase](/docs/learn/limit-increase.md): Request higher per-transaction, daily, or monthly transfer limits for a customer by submitting a supporting document, and track the request through compliance review. - [Upload](/docs/learn/upload.md): Generate encrypted file URLs from customer KYC documents and pictures. - [Analyze document](/docs/learn/analyze-document.md): Read a KYC document with AI and get an approval-rate signal before you submit it. #### Virtual accounts - [Virtual accounts](/docs/virtual-accounts.md): Issue a virtual account (virtual bank account) that receives USD bank transfers and settles automatically to stablecoins like USDC or USDT in your customer's wallet. - [Create a virtual account](/docs/virtual-accounts-create.md): Create a virtual account with the BlindPay API, from customer prerequisites and required compliance fields to the webhooks that confirm approval. #### Store - [Store](/docs/store.md): Hold a customer's balance in a BlindPay-managed wallet, or register an external wallet the customer already controls. - [Managed wallets](/docs/wallets.md): Create a BlindPay-managed wallet, check its balance, and use it on payins and payouts. #### Payouts - [Payouts](/docs/payouts.md): Execute a payout to a recipient's bank account and track it from processing to completed, failed, or refunded. - [Bank accounts](/docs/bank-accounts.md): Add recipient bank accounts BlindPay pays out to, across SWIFT, ACH, wire, RTP, Pix, SPEI, ACH COP, Transfers, and SEPA rails. - [Payout quotes](/docs/payout-quotes.md): Lock the exchange rate and fee split before executing a payout, and see the exact fee breakdown and recipient amount in the response. #### Payins - [Payins](/docs/payins.md): Create a payin, deliver funds to the destination, and track it through settlement. - [Payin quotes](/docs/payin-quotes.md): Lock the amount, fee split, and destination for a payin before creating it. #### Payables - [Payables](/docs/payables.md): Register a bill, an invoice, a boleto, or a PIX code, then pay it with the standard payout flow. #### Webhooks - [Webhooks](/docs/learn/webhooks.md): Receive real-time events for customers, payments, virtual accounts, wallets, and transfers instead of polling the API. - [Webhooks events](/docs/learn/webhooks-events.md): The full BlindPay webhook event catalog, grouped by domain, with an example payload. - [Webhook verification](/docs/learn/webhooks-verification.md): Verify the signature on every BlindPay webhook call using the svix-id, svix-timestamp, and svix-signature headers. ### Build with AI - [AI Builder Integrations](/docs/integrations.md): Add stablecoin payments to any AI-built app: Lovable, v0, Bolt, Replit, Codex, Cursor, Claude Code. Copy-paste prompts, MCP server, Agent Skills, and a REST API. #### App Builders - [Lovable + BlindPay](/docs/integrations/lovable.md): Add stablecoin payments to your Lovable app: payouts, USDC/USDT on-ramp to fiat, and virtual accounts via the BlindPay API and a copy-paste prompt. - [v0 + BlindPay](/docs/integrations/v0.md): Add stablecoin payments to a v0 (Vercel) Next.js app: payout, on-ramp, and virtual-account flows via the BlindPay API and a copy-paste prompt. - [Bolt.new + BlindPay](/docs/integrations/bolt.md): Add stablecoin payments to a Bolt.new (StackBlitz) app: payout, on-ramp, and virtual-account flows via the BlindPay API and a copy-paste prompt. - [Replit + BlindPay](/docs/integrations/replit.md): Add stablecoin payments to a Replit app with Replit Agent: payout, on-ramp, and virtual-account flows via the BlindPay API and Replit Secrets. #### Coding Assistants - [Codex + BlindPay](/docs/integrations/codex.md): Connect OpenAI Codex to BlindPay via the MCP server and Agent Skills: run payouts, quotes, and virtual accounts from the terminal or IDE. - [Cursor + BlindPay](/docs/integrations/cursor.md): Connect Cursor to BlindPay via the MCP server and Agent Skills: move money, run payouts, and query corridors in natural language. - [Claude Code + BlindPay](/docs/integrations/claude-code.md): Connect Claude Code to BlindPay via the MCP server and Agent Skills: run payouts, quotes, and virtual accounts from the terminal in natural language. #### Autonomous Agents - [OpenClaw + BlindPay](/docs/integrations/openclaw.md): Connect OpenClaw to BlindPay with the MCP server and Agent Skills. The autonomous agent runs stablecoin payouts and quotes via natural language. - [Hermes Agent + BlindPay](/docs/integrations/hermes.md): Connect Hermes Agent to BlindPay with the MCP server and Agent Skills. The Nous Research agent runs stablecoin payouts and quotes via natural language. ### Documentation - [Introduction](/docs/introduction.md): BlindPay is a global payment API that moves money over bank rails and stablecoins from a single integration. - [Overview](/docs/overview.md): Connect to bank rails or stablecoin networks (or both) through one REST API. Issue virtual accounts and move fiat payins and payouts, or hold, send, and receive USDC and USDT across chains. - [Build with AI](/docs/build-with-ai.md): Connect AI coding agents and AI builders to BlindPay with an MCP server, Agent Skills, and a REST API. - [SDKs](/docs/sdks.md): Official BlindPay SDKs for Node.js, Python, Go, PHP, and Swift, plus the OpenAPI spec and REST API reference. ### Quickstart - [Bank transfer to stablecoins](/docs/quickstart-payin.md): Accept a bank transfer and have BlindPay deliver the equivalent stablecoins automatically on a development instance, using only the REST API. - [Stablecoins to bank transfer](/docs/quickstart-payout.md): Send your first off-ramp payout from a BlindPay-managed wallet to a bank account on a development instance, using only the REST API. ### Learn - [Receive](/docs/receive.md): Receive stablecoins into a BlindPay-managed wallet and track every deposit through the wallet.inbound webhook. - [API keys](/docs/learn/api-keys.md): Authenticate all BlindPay API requests with an instance-scoped API key created in the dashboard. #### Instances - [Instances](/docs/learn/instances.md): Instances are isolated BlindPay environments, one per stage of your stack, created in the dashboard. - [Sandbox vs. production](/docs/learn/sandbox-vs-production.md): The exact behavioral differences between development and production instances, plus a checklist for switching over. - [Billing](/docs/learn/billing.md): How BlindPay charges for virtual accounts, transactions, and partner fees, and when invoices go out - [Partner fees](/docs/learn/partner-fees.md): Add percentage or flat fees to your customers' transactions and withdraw the accumulated revenue monthly. #### Customers - [Customers](/docs/learn/customers.md): People or businesses that send or receive payments and stablecoins through BlindPay. - [Terms of Service](/docs/learn/terms-of-service.md): A legal agreement your customers must accept before you create them and start KYC. - [RFI](/docs/learn/rfi.md): Respond programmatically when BlindPay's compliance team needs additional documentation from a customer. - [Limit increase](/docs/learn/limit-increase.md): Request higher per-transaction, daily, or monthly transfer limits for a customer by submitting a supporting document, and track the request through compliance review. - [Upload](/docs/learn/upload.md): Generate encrypted file URLs from customer KYC documents and pictures. - [Analyze document](/docs/learn/analyze-document.md): Read a KYC document with AI and get an approval-rate signal before you submit it. #### Virtual accounts - [Virtual accounts](/docs/virtual-accounts.md): Issue a virtual account (virtual bank account) that receives USD bank transfers and settles automatically to stablecoins like USDC or USDT in your customer's wallet. - [Create a virtual account](/docs/virtual-accounts-create.md): Create a virtual account with the BlindPay API, from customer prerequisites and required compliance fields to the webhooks that confirm approval. #### Store - [Store](/docs/store.md): Hold a customer's balance in a BlindPay-managed wallet, or register an external wallet the customer already controls. - [Managed wallets](/docs/wallets.md): Create a BlindPay-managed wallet, check its balance, and use it on payins and payouts. - [Mint USDB](/docs/mint-usdb.md): Mint BlindPay's USDB test stablecoin on EVM testnets, Stellar Testnet, and Solana Devnet to simulate payments on development instances. #### Send - [Send](/docs/send.md): Send stablecoins out of a BlindPay-managed wallet to another managed wallet or any external address, using the BlindPay API. - [Transfer quotes](/docs/transfer-quotes.md): Create a transfer quote to lock in the source wallet, destination address, token, network, and amount before executing a transfer. - [Transfers](/docs/transfers.md): Execute a stablecoin transfer from a transfer quote and track it through to completion with the BlindPay API. #### Payouts - [Payouts](/docs/payouts.md): Execute a payout to a recipient's bank account and track it from processing to completed, failed, or refunded. - [Bank accounts](/docs/bank-accounts.md): Add recipient bank accounts BlindPay pays out to, across SWIFT, ACH, wire, RTP, Pix, SPEI, ACH COP, Transfers, and SEPA rails. - [Payout quotes](/docs/payout-quotes.md): Lock the exchange rate and fee split before executing a payout, and see the exact fee breakdown and recipient amount in the response. - [Payout with managed wallet](/docs/payout-managed-wallet.md): Fund a payout from a BlindPay-managed wallet with a single REST call, no on-chain approval or signing involved. - [Payout with EVM](/docs/payout-evm.md): Fund a payout from an external EVM wallet, approve the ERC-20 token transfer, then execute the payout. - [Payout with Stellar](/docs/payout-stellar.md): Fund a payout from an external Stellar wallet, authorize the payout, sign the XDR transaction, then create the payout. - [Payout with Solana](/docs/payout-solana.md): Fund a payout from an external Solana wallet, delegate the tokens to BlindPay, then create the payout. - [Offramp wallets](/docs/offramp-wallets.md): What a BlindPay offramp wallet is, the chains and stablecoins it supports, minimums, and how deposits automatically convert to a fiat payout. #### Payins - [Payins](/docs/payins.md): Create a payin, deliver funds to the destination, and track it through settlement. - [Blockchain wallets](/docs/blockchain-wallets.md): Register an external, customer-controlled wallet address to receive stablecoin payins and send stablecoin payouts. - [Payin quotes](/docs/payin-quotes.md): Lock the amount, fee split, and destination for a payin before creating it. - [Payin with managed wallet](/docs/payin-managed-wallet.md): Accept a fiat payment and have the equivalent stablecoins delivered into a BlindPay-managed wallet, two REST calls with no signing. - [Payin with blockchain wallet](/docs/payin-blockchain-wallet.md): Accept a fiat payment and have the equivalent stablecoins delivered to a wallet your customer controls. #### Payables - [Payables](/docs/payables.md): Register a bill, an invoice, a boleto, or a PIX code, then pay it with the standard payout flow. - [Payable with managed wallet](/docs/payable-managed-wallet.md): Register a bill your customer owes, then pay it from a BlindPay-custodied wallet, with no on-chain approval and no wallet prompt. - [Payable with EVM](/docs/payable-evm.md): Register a bill your customer owes, then pay it from an external EVM wallet by quoting it, approving the ERC-20 pull, and executing the payout. #### Webhooks - [Webhooks](/docs/learn/webhooks.md): Receive real-time events for customers, payments, virtual accounts, wallets, and transfers instead of polling the API. - [Webhooks events](/docs/learn/webhooks-events.md): The full BlindPay webhook event catalog, grouped by domain, with an example payload. - [Webhook verification](/docs/learn/webhooks-verification.md): Verify the signature on every BlindPay webhook call using the svix-id, svix-timestamp, and svix-signature headers. ### Build with AI - [AI Builder Integrations](/docs/integrations.md): Add stablecoin payments to any AI-built app: Lovable, v0, Bolt, Replit, Codex, Cursor, Claude Code. Copy-paste prompts, MCP server, Agent Skills, and a REST API. #### App Builders - [Lovable + BlindPay](/docs/integrations/lovable.md): Add stablecoin payments to your Lovable app: payouts, USDC/USDT on-ramp to fiat, and virtual accounts via the BlindPay API and a copy-paste prompt. - [v0 + BlindPay](/docs/integrations/v0.md): Add stablecoin payments to a v0 (Vercel) Next.js app: payout, on-ramp, and virtual-account flows via the BlindPay API and a copy-paste prompt. - [Bolt.new + BlindPay](/docs/integrations/bolt.md): Add stablecoin payments to a Bolt.new (StackBlitz) app: payout, on-ramp, and virtual-account flows via the BlindPay API and a copy-paste prompt. - [Replit + BlindPay](/docs/integrations/replit.md): Add stablecoin payments to a Replit app with Replit Agent: payout, on-ramp, and virtual-account flows via the BlindPay API and Replit Secrets. #### Coding Assistants - [Codex + BlindPay](/docs/integrations/codex.md): Connect OpenAI Codex to BlindPay via the MCP server and Agent Skills: run payouts, quotes, and virtual accounts from the terminal or IDE. - [Cursor + BlindPay](/docs/integrations/cursor.md): Connect Cursor to BlindPay via the MCP server and Agent Skills: move money, run payouts, and query corridors in natural language. - [Claude Code + BlindPay](/docs/integrations/claude-code.md): Connect Claude Code to BlindPay via the MCP server and Agent Skills: run payouts, quotes, and virtual accounts from the terminal in natural language. #### Autonomous Agents - [OpenClaw + BlindPay](/docs/integrations/openclaw.md): Connect OpenClaw to BlindPay with the MCP server and Agent Skills. The autonomous agent runs stablecoin payouts and quotes via natural language. - [Hermes Agent + BlindPay](/docs/integrations/hermes.md): Connect Hermes Agent to BlindPay with the MCP server and Agent Skills. The Nous Research agent runs stablecoin payouts and quotes via natural language. ### Other - [Knowledge base](/docs/kb.md): Reference guides for supported chains, countries, payment methods, compliance requirements, and processing timelines. - [Learn](/docs/learn.md): Guides covering key BlindPay concepts: instances, API keys, webhooks, and billing.