---
url: /docs/stablecoin/receive.md
description: >-
  Convert an incoming fiat payment into stablecoins delivered to a blockchain
  wallet or a managed wallet.
---

Receive is BlindPay's on-ramp: fiat comes in from a sender, stablecoins go out to a wallet. It covers everything between "get payment instructions" and "stablecoins land on-chain."

## How it works

1. Create a payin quote for the amount, payment method, and destination. The quote locks the exchange rate, the fees, and generates the payment instructions to hand to the sender.
2. The sender completes the transfer using those instructions (a bank wire, a Pix code, a CLABE, a CBU, or a payment link, depending on the method).
3. Create the payin using the quote ID. This starts BlindPay watching for the deposit to arrive.
4. Once the fiat lands, BlindPay converts it and delivers the equivalent stablecoins from its treasury to the destination wallet, then fires a `payin.complete` webhook.

The destination is set on the payin quote and is one of:

| Field | Wallet type | Custody |
| --- | --- | --- |
| `blockchain_wallet_id` (`bw_...`) | External blockchain wallet | Customer-controlled |
| `wallet_id` (`bl_...`) | Managed wallet | BlindPay-custodied |

A payin quote never targets a bank account (`ba_...`); that identifier belongs to the payout side.

## Delivery networks

| Chain | Tokens |
| --- | --- |
| Ethereum, Polygon | USDC, USDT |
| Base, Arbitrum | USDC |
| Stellar | USDC |
| Solana | USDC, USDT |

BlindPay detects the network from the destination address automatically, so you never pass a network on a payin quote.

## In this section

* [Payin quotes](/stablecoin/payin-quotes): lock the rate, fees, and payment instructions before money moves.
* [Payins](/stablecoin/payins): create the payin from a quote and track it through to `completed`.

## Related

* [Stablecoin overview](/stablecoin/): the wallet and chain model this section builds on.
* [Wallets](/stablecoin/wallets): managed wallets that can receive stablecoins directly.
* [Blockchain wallets](/stablecoin/blockchain-wallets): register the external wallet a payin delivers to.
* [Supported chains](/kb/supported-chains): full chain and token compatibility matrix.
* [Sandbox vs production](/learn/sandbox-vs-production): testing amounts and the `USDB` test stablecoin.