[{"data":1,"prerenderedAt":904},["ShallowReactive",2],{"content-\u002Fresources\u002Fmore\u002Fblockchain-payments-glossary":3,"resources-category-blockchain-payments-glossary":602},{"id":4,"title":5,"authors":6,"body":7,"categories":6,"category":569,"categoryType":6,"compare":6,"contributors":6,"date":570,"description":571,"extension":572,"faq":573,"howto":6,"isBlog":592,"isChangelog":592,"meta":593,"navigation":595,"path":596,"pillar":592,"products":6,"rawbody":597,"role":6,"seo":598,"seoTitle":599,"stem":600,"thumbnail":6,"updated":570,"__hash__":601},"content\u002Fresources\u002Fmore\u002Fblockchain-payments-glossary.md","Blockchain payments glossary: 34 terms explained in plain English",null,{"type":8,"value":9,"toc":555},"minimark",[10,31,40,45,51,57,63,69,75,86,92,98,104,108,114,120,126,132,138,144,155,159,165,171,184,190,196,200,206,212,218,222,228,234,240,246,250,256,262,268,279,291,297,301,304,426,430,433,507,518,522,529,537,541,549],[11,12,13,14,18,19,22,23,26,27,30],"p",{},"Blockchain payments come with 34 terms that rarely show up in a bank statement. The short version: a ",[15,16,17],"strong",{},"stablecoin"," is a dollar-pegged token, an ",[15,20,21],{},"on-ramp"," turns bank money into stablecoins, an ",[15,24,25],{},"off-ramp"," turns them back, and ",[15,28,29],{},"finality"," is the moment a transfer can't be undone. Everything else in this glossary hangs off those four ideas.",[11,32,33,34,39],{},"Each definition below is written for someone who runs payments, finance, or product, not for a protocol engineer. For the bigger picture of how the pieces fit, start with ",[35,36,38],"a",{"href":37},"\u002Fresources\u002Fmore\u002Fwhat-are-blockchain-payments","what blockchain payments are and how they work",".",[41,42,44],"h2",{"id":43},"what-are-the-core-terms-in-a-blockchain-payment","What are the core terms in a blockchain payment?",[11,46,47,50],{},[15,48,49],{},"Blockchain payment."," A transfer of value recorded on a shared, public ledger instead of being passed between banks as messages. For businesses, almost always a stablecoin transfer.",[11,52,53,56],{},[15,54,55],{},"Blockchain (or network, or chain)."," The shared ledger itself. Ethereum, Polygon, Base, Arbitrum, Solana, Stellar, and Tron are the ones that carry most dollar stablecoin payments.",[11,58,59,62],{},[15,60,61],{},"Stablecoin."," A token designed to hold a fixed value against a currency, usually one US dollar. USDC (issued by Circle) and USDT (issued by Tether) are the two largest.",[11,64,65,68],{},[15,66,67],{},"Token."," A unit of value that lives on a blockchain. A stablecoin is a token; so is a cryptocurrency like ETH. A token is issued on a specific chain, so USDC on Polygon and USDC on Solana are separate deployments of the same asset.",[11,70,71,74],{},[15,72,73],{},"Wallet."," Software or hardware that holds the private keys controlling an address. A wallet doesn't store coins; it stores the keys that can move them.",[11,76,77,80,81,85],{},[15,78,79],{},"Address."," The public identifier funds are sent to, like an account number. EVM chains (Ethereum, Polygon, Base, Arbitrum) use the ",[82,83,84],"code",{},"0x"," format with 40 hex characters. Solana, Stellar, and Tron each use their own format, which is why sending to the wrong network loses funds.",[11,87,88,91],{},[15,89,90],{},"Private key."," The secret that authorizes transfers out of an address. Whoever holds it controls the funds. Lose it and nobody can recover them.",[11,93,94,97],{},[15,95,96],{},"Issuer."," The company that creates (mints) and redeems (burns) a stablecoin, and holds the reserves backing it.",[11,99,100,103],{},[15,101,102],{},"Reserves."," The cash and short-term government debt an issuer holds so every token can be redeemed at par. In the US, the GENIUS Act, signed on July 18, 2025, sets which assets count.",[41,105,107],{"id":106},"what-do-on-ramp-off-ramp-and-payout-rail-mean","What do on-ramp, off-ramp, and payout rail mean?",[11,109,110,113],{},[15,111,112],{},"On-ramp."," The service that converts fiat money into stablecoins. You send dollars by ACH or wire, or reais by Pix, and stablecoins arrive in a wallet.",[11,115,116,119],{},[15,117,118],{},"Off-ramp."," The reverse: stablecoins go in, local money lands in a bank account.",[11,121,122,125],{},[15,123,124],{},"Fiat."," Government-issued money held in banks: dollars, euros, pesos, reais.",[11,127,128,131],{},[15,129,130],{},"Payout rail."," The local payment system that delivers the fiat at the end. Pix in Brazil, SPEI in Mexico, ACH and RTP in the US, SEPA in Europe, and SWIFT for everything else.",[11,133,134,137],{},[15,135,136],{},"Payin."," A deposit coming in: fiat that a customer sends so it can be converted into stablecoins.",[11,139,140,143],{},[15,141,142],{},"Payout."," Money going out: stablecoins converted into fiat and sent to a recipient's bank account.",[11,145,146,149,150,154],{},[15,147,148],{},"Virtual account."," A dedicated bank account number in a customer's name that receives deposits and, with a stablecoin provider, converts them automatically. ",[35,151,153],{"href":152},"\u002Fresources\u002Fmore\u002Fwhat-is-a-virtual-account","What is a virtual account"," covers how they work.",[41,156,158],{"id":157},"what-do-settlement-confirmation-and-finality-mean","What do settlement, confirmation, and finality mean?",[11,160,161,164],{},[15,162,163],{},"Transaction hash."," The unique ID of an on-chain transfer. Anyone can look it up on a block explorer, which makes it the closest thing to a public tracking number.",[11,166,167,170],{},[15,168,169],{},"Confirmation."," A transaction has been included in a block. More confirmations mean more blocks built on top of it.",[11,172,173,176,177,183],{},[15,174,175],{},"Finality."," The point after which a transfer can't be reversed or dropped from the ledger. Ethereum finalizes a block after two epochs of 6.4 minutes each, which ",[35,178,182],{"href":179,"rel":180},"https:\u002F\u002Fethereum.org\u002Fen\u002Froadmap\u002Fsingle-slot-finality\u002F",[181],"nofollow","ethereum.org"," rounds to about 15 minutes. Stellar and Solana reach finality in seconds.",[11,185,186,189],{},[15,187,188],{},"Settlement."," The moment the recipient actually has the money, with no further steps or conditions. On-chain, settlement and finality happen together. In card and bank systems, settlement comes days after the payment looks done.",[11,191,192,195],{},[15,193,194],{},"Reversibility."," Whether a payment can be pulled back. Card payments carry chargebacks for months. A final on-chain transfer can't be reversed by anyone, so mistakes are fixed by a new transfer, not a recall.",[41,197,199],{"id":198},"what-do-custodial-and-non-custodial-mean","What do custodial and non-custodial mean?",[11,201,202,205],{},[15,203,204],{},"Custodial."," A provider holds your assets and keys on your behalf, the way a bank holds deposits. Easier to operate, but you depend on the custodian.",[11,207,208,211],{},[15,209,210],{},"Non-custodial."," You keep control of the keys. The provider can't move funds unless you sign or approve the transaction. Less counterparty risk, more operational work.",[11,213,214,217],{},[15,215,216],{},"Self-custody."," You hold your own keys with no provider in between. Non-custodial taken all the way.",[41,219,221],{"id":220},"what-do-gas-fees-quotes-and-spreads-mean","What do gas fees, quotes, and spreads mean?",[11,223,224,227],{},[15,225,226],{},"Gas fee (network fee)."," What a blockchain charges to process a transaction. Cents or less on Polygon, Solana, Stellar, and Base; potentially dollars on Ethereum.",[11,229,230,233],{},[15,231,232],{},"Quote."," A price a provider locks for a short window: the exchange rate, the fees, and the exact amount the recipient will get. If the quote expires, you request a new one.",[11,235,236,239],{},[15,237,238],{},"FX spread."," The gap between the market exchange rate and the rate you get. It's often the largest cost in a cross-border payment, and banks rarely show it as a line item.",[11,241,242,245],{},[15,243,244],{},"Slippage."," The difference between the price you expected and the price you got, because the market moved while the order executed. A locked quote moves this risk to the provider.",[41,247,249],{"id":248},"what-compliance-terms-come-up-in-blockchain-payments","What compliance terms come up in blockchain payments?",[11,251,252,255],{},[15,253,254],{},"KYC (Know Your Customer)."," Verifying an individual's identity before they can send or receive money.",[11,257,258,261],{},[15,259,260],{},"KYB (Know Your Business)."," The business version: verifying the company, its registration, and the people who own and control it.",[11,263,264,267],{},[15,265,266],{},"AML (anti-money laundering)."," The program of policies, monitoring, and reporting a regulated company runs to detect and report illicit funds.",[11,269,270,273,274,39],{},[15,271,272],{},"Sanctions screening."," Checking people, companies, and wallet addresses against government sanctions lists, like the list kept by the US Treasury's ",[35,275,278],{"href":276,"rel":277},"https:\u002F\u002Fofac.treasury.gov\u002F",[181],"Office of Foreign Assets Control",[11,280,281,284,285,290],{},[15,282,283],{},"Travel rule."," A requirement for providers to send sender and recipient information along with transfers above a threshold. The ",[35,286,289],{"href":287,"rel":288},"https:\u002F\u002Fwww.fatf-gafi.org\u002Fen\u002Ftopics\u002Fvirtual-assets.html",[181],"Financial Action Task Force"," extended it to virtual assets in 2019.",[11,292,293,296],{},[15,294,295],{},"VASP (virtual asset service provider)."," FATF's term for any business that exchanges, transfers, or holds virtual assets for others. Most on-ramp and off-ramp providers are VASPs.",[41,298,300],{"id":299},"how-do-bank-terms-map-to-blockchain-terms","How do bank terms map to blockchain terms?",[11,302,303],{},"Most blockchain vocabulary has a close bank-world equivalent. This table is the fastest way to translate.",[305,306,307,323],"table",{},[308,309,310],"thead",{},[311,312,313,317,320],"tr",{},[314,315,316],"th",{},"Bank term",[314,318,319],{},"Blockchain term",[314,321,322],{},"What's actually different",[324,325,326,338,349,360,371,382,393,404,415],"tbody",{},[311,327,328,332,335],{},[329,330,331],"td",{},"Account number",[329,333,334],{},"Wallet address",[329,336,337],{},"Anyone can create an address. No bank opens it for you",[311,339,340,343,346],{},[329,341,342],{},"Online banking password",[329,344,345],{},"Private key",[329,347,348],{},"Lose a key and nobody can reset it",[311,350,351,354,357],{},[329,352,353],{},"Bank",[329,355,356],{},"Custodian, or yourself",[329,358,359],{},"With self-custody, there's no institution in between",[311,361,362,365,368],{},[329,363,364],{},"SWIFT MT103 \u002F wire confirmation",[329,366,367],{},"Transaction hash",[329,369,370],{},"Anyone can verify a hash on a public explorer",[311,372,373,376,379],{},[329,374,375],{},"Clearing and settlement (days)",[329,377,378],{},"Confirmation and finality (seconds to minutes)",[329,380,381],{},"No batch windows, no cut-off times",[311,383,384,387,390],{},[329,385,386],{},"Wire fee and correspondent fees",[329,388,389],{},"Gas fee",[329,391,392],{},"Paid once to the network, not per intermediary bank",[311,394,395,398,401],{},[329,396,397],{},"Chargeback or recall",[329,399,400],{},"None",[329,402,403],{},"Final transfers can't be reversed",[311,405,406,409,412],{},[329,407,408],{},"Bank's FX rate",[329,410,411],{},"Quote with FX spread",[329,413,414],{},"Good providers show the spread before you send",[311,416,417,420,423],{},[329,418,419],{},"Currency exchange (fiat to fiat)",[329,421,422],{},"On-ramp plus off-ramp",[329,424,425],{},"The stablecoin sits in the middle",[41,427,429],{"id":428},"how-do-the-terms-fit-together-in-one-payment","How do the terms fit together in one payment?",[11,431,432],{},"Here's a US company paying a supplier in Brazil, with the glossary terms in bold.",[434,435,436,444,455,465,474,491,496],"ol",{},[437,438,439,440,443],"li",{},"The company is onboarded through ",[15,441,442],{},"KYB",", and the supplier's bank details are verified.",[437,445,446,447,450,451,454],{},"The company requests a ",[15,448,449],{},"quote"," that locks the ",[15,452,453],{},"FX spread",", the fees, and the exact reais the supplier will receive.",[437,456,457,458,461,462,39],{},"Dollars arrive by ACH as a ",[15,459,460],{},"payin",", often into a ",[15,463,464],{},"virtual account",[437,466,467,468,470,471,39],{},"The ",[15,469,21],{}," converts the dollars into ",[15,472,473],{},"USDC",[437,475,476,477,480,481,484,485,487,488,39],{},"The USDC moves ",[15,478,479],{},"on-chain",", gets its ",[15,482,483],{},"transaction hash",", and reaches ",[15,486,29],{}," in seconds on a fast ",[15,489,490],{},"network",[437,492,467,493,495],{},[15,494,25],{}," converts the USDC into reais.",[437,497,498,499,502,503,506],{},"The reais land in the supplier's account over ",[15,500,501],{},"Pix",", the ",[15,504,505],{},"payout rail",", usually within minutes.",[11,508,509,510,513,514,39],{},"Sanctions screening and travel rule checks run around steps 1 and 5. Neither the company nor the supplier ever holds a ",[15,511,512],{},"private key",", because a provider runs that part. The API version of the same flow is in ",[35,515,517],{"href":516},"\u002Fresources\u002Fmore\u002Fhow-a-stablecoin-payment-works","how a stablecoin payment works",[41,519,521],{"id":520},"how-does-blindpay-use-these-terms","How does BlindPay use these terms?",[11,523,524,528],{},[35,525,527],{"href":526},"\u002Fglobal-payments","BlindPay"," is a stablecoin payments API, and its docs come in two flavors that map to this glossary. The Abstracted flavor keeps you in bank terms: virtual accounts, payins, payouts, and bank accounts. The stablecoin settles behind the scenes, and nobody picks a network or holds a key. The Advanced flavor exposes the blockchain vocabulary directly: wallets, addresses, networks, tokens, and on-chain authorization.",[11,530,531,532,536],{},"Payouts go out over Pix, SPEI, Transfers (Argentina), ACH COP (Colombia), ACH, wire, RTP, SEPA, and SWIFT (POBO\u002FCOBO), with no pre-funding. KYC and KYB run inside the API. The ",[35,533,535],{"href":534},"\u002Fdocs\u002Fkb\u002Fsupported-chains","supported chains reference"," lists which networks and tokens each feature accepts.",[41,538,540],{"id":539},"what-to-do-next","What to do next",[11,542,543,544,548],{},"Pick the five terms your team argues about most (usually finality, custody, and FX spread) and agree on one definition for each before you evaluate a provider. Then read ",[35,545,547],{"href":546},"\u002Fresources\u002Fmore\u002Fbuild-vs-buy-stablecoin-payments","build vs buy for stablecoin payments"," to see which of these layers you'd own if you built it yourself.",[11,550,551],{},[552,553,554],"em",{},"This article is for general information only and is not legal, tax, or financial advice.",{"title":556,"searchDepth":557,"depth":557,"links":558},"",2,[559,560,561,562,563,564,565,566,567,568],{"id":43,"depth":557,"text":44},{"id":106,"depth":557,"text":107},{"id":157,"depth":557,"text":158},{"id":198,"depth":557,"text":199},{"id":220,"depth":557,"text":221},{"id":248,"depth":557,"text":249},{"id":299,"depth":557,"text":300},{"id":428,"depth":557,"text":429},{"id":520,"depth":557,"text":521},{"id":539,"depth":557,"text":540},"payments","2026-07-31","Stablecoin, on-ramp, off-ramp, finality, gas, non-custodial, travel rule. The 34 terms of blockchain payments, each defined in one or two lines.","md",[574,577,580,583,586,589],{"q":575,"a":576},"What is the difference between a blockchain payment and a stablecoin payment?","A blockchain payment is any transfer of value recorded on a blockchain. A stablecoin payment is the most common kind for businesses: the token that moves is pegged one-to-one to a currency like the US dollar, so its value doesn't swing between sending and receiving. In business payments, the two terms usually mean the same thing.",{"q":578,"a":579},"What does on-ramp and off-ramp mean in payments?","An on-ramp converts local money, like dollars sent by ACH or reais sent by Pix, into a stablecoin. An off-ramp does the reverse and pays local money into a bank account. Most cross-border blockchain payments use both: an on-ramp on the sender's side and an off-ramp on the recipient's side.",{"q":581,"a":582},"What is settlement finality in blockchain payments?","Finality is the point after which a confirmed transfer can't be reversed or reorganized out of the ledger. On networks like Stellar and Solana it arrives in seconds. On Ethereum, full finality takes about 13 to 15 minutes. Until a payment is final, a careful provider treats it as pending.",{"q":584,"a":585},"What is a gas fee?","A gas fee is what the network charges to process a transaction, paid to the validators who include it in a block. On Polygon, Solana, Stellar, and Base it is usually a fraction of a cent to a few cents. On Ethereum it can reach several dollars when the network is busy.",{"q":587,"a":588},"What does non-custodial mean in a payment?","Non-custodial means the provider never holds your funds. The stablecoins stay in a wallet you control until a transaction you authorized moves them. In a custodial setup, the provider holds the assets on your behalf, which is simpler to operate but adds counterparty risk.",{"q":590,"a":591},"What is the travel rule?","The travel rule requires financial institutions and virtual asset service providers to pass identifying information about the sender and recipient along with a transfer above a set amount. FATF extended it to virtual assets in 2019, and most major jurisdictions now apply it to stablecoin transfers between providers.",false,{"author":594},"BlindPay Team",true,"\u002Fresources\u002Fmore\u002Fblockchain-payments-glossary","---\ntitle: \"Blockchain payments glossary: 34 terms explained in plain English\"\nseoTitle: \"Blockchain payments glossary: 34 terms, plain English\"\ndescription: \"Stablecoin, on-ramp, off-ramp, finality, gas, non-custodial, travel rule. The 34 terms of blockchain payments, each defined in one or two lines.\"\ndate: \"2026-07-31\"\nupdated: \"2026-07-31\"\ncategory: \"payments\"\nauthor: \"BlindPay Team\"\nfaq:\n  - q: \"What is the difference between a blockchain payment and a stablecoin payment?\"\n    a: \"A blockchain payment is any transfer of value recorded on a blockchain. A stablecoin payment is the most common kind for businesses: the token that moves is pegged one-to-one to a currency like the US dollar, so its value doesn't swing between sending and receiving. In business payments, the two terms usually mean the same thing.\"\n  - q: \"What does on-ramp and off-ramp mean in payments?\"\n    a: \"An on-ramp converts local money, like dollars sent by ACH or reais sent by Pix, into a stablecoin. An off-ramp does the reverse and pays local money into a bank account. Most cross-border blockchain payments use both: an on-ramp on the sender's side and an off-ramp on the recipient's side.\"\n  - q: \"What is settlement finality in blockchain payments?\"\n    a: \"Finality is the point after which a confirmed transfer can't be reversed or reorganized out of the ledger. On networks like Stellar and Solana it arrives in seconds. On Ethereum, full finality takes about 13 to 15 minutes. Until a payment is final, a careful provider treats it as pending.\"\n  - q: \"What is a gas fee?\"\n    a: \"A gas fee is what the network charges to process a transaction, paid to the validators who include it in a block. On Polygon, Solana, Stellar, and Base it is usually a fraction of a cent to a few cents. On Ethereum it can reach several dollars when the network is busy.\"\n  - q: \"What does non-custodial mean in a payment?\"\n    a: \"Non-custodial means the provider never holds your funds. The stablecoins stay in a wallet you control until a transaction you authorized moves them. In a custodial setup, the provider holds the assets on your behalf, which is simpler to operate but adds counterparty risk.\"\n  - q: \"What is the travel rule?\"\n    a: \"The travel rule requires financial institutions and virtual asset service providers to pass identifying information about the sender and recipient along with a transfer above a set amount. FATF extended it to virtual assets in 2019, and most major jurisdictions now apply it to stablecoin transfers between providers.\"\n---\n\nBlockchain payments come with 34 terms that rarely show up in a bank statement. The short version: a **stablecoin** is a dollar-pegged token, an **on-ramp** turns bank money into stablecoins, an **off-ramp** turns them back, and **finality** is the moment a transfer can't be undone. Everything else in this glossary hangs off those four ideas.\n\nEach definition below is written for someone who runs payments, finance, or product, not for a protocol engineer. For the bigger picture of how the pieces fit, start with [what blockchain payments are and how they work](\u002Fresources\u002Fmore\u002Fwhat-are-blockchain-payments).\n\n## What are the core terms in a blockchain payment?\n\n**Blockchain payment.** A transfer of value recorded on a shared, public ledger instead of being passed between banks as messages. For businesses, almost always a stablecoin transfer.\n\n**Blockchain (or network, or chain).** The shared ledger itself. Ethereum, Polygon, Base, Arbitrum, Solana, Stellar, and Tron are the ones that carry most dollar stablecoin payments.\n\n**Stablecoin.** A token designed to hold a fixed value against a currency, usually one US dollar. USDC (issued by Circle) and USDT (issued by Tether) are the two largest.\n\n**Token.** A unit of value that lives on a blockchain. A stablecoin is a token; so is a cryptocurrency like ETH. A token is issued on a specific chain, so USDC on Polygon and USDC on Solana are separate deployments of the same asset.\n\n**Wallet.** Software or hardware that holds the private keys controlling an address. A wallet doesn't store coins; it stores the keys that can move them.\n\n**Address.** The public identifier funds are sent to, like an account number. EVM chains (Ethereum, Polygon, Base, Arbitrum) use the `0x` format with 40 hex characters. Solana, Stellar, and Tron each use their own format, which is why sending to the wrong network loses funds.\n\n**Private key.** The secret that authorizes transfers out of an address. Whoever holds it controls the funds. Lose it and nobody can recover them.\n\n**Issuer.** The company that creates (mints) and redeems (burns) a stablecoin, and holds the reserves backing it.\n\n**Reserves.** The cash and short-term government debt an issuer holds so every token can be redeemed at par. In the US, the GENIUS Act, signed on July 18, 2025, sets which assets count.\n\n## What do on-ramp, off-ramp, and payout rail mean?\n\n**On-ramp.** The service that converts fiat money into stablecoins. You send dollars by ACH or wire, or reais by Pix, and stablecoins arrive in a wallet.\n\n**Off-ramp.** The reverse: stablecoins go in, local money lands in a bank account.\n\n**Fiat.** Government-issued money held in banks: dollars, euros, pesos, reais.\n\n**Payout rail.** The local payment system that delivers the fiat at the end. Pix in Brazil, SPEI in Mexico, ACH and RTP in the US, SEPA in Europe, and SWIFT for everything else.\n\n**Payin.** A deposit coming in: fiat that a customer sends so it can be converted into stablecoins.\n\n**Payout.** Money going out: stablecoins converted into fiat and sent to a recipient's bank account.\n\n**Virtual account.** A dedicated bank account number in a customer's name that receives deposits and, with a stablecoin provider, converts them automatically. [What is a virtual account](\u002Fresources\u002Fmore\u002Fwhat-is-a-virtual-account) covers how they work.\n\n## What do settlement, confirmation, and finality mean?\n\n**Transaction hash.** The unique ID of an on-chain transfer. Anyone can look it up on a block explorer, which makes it the closest thing to a public tracking number.\n\n**Confirmation.** A transaction has been included in a block. More confirmations mean more blocks built on top of it.\n\n**Finality.** The point after which a transfer can't be reversed or dropped from the ledger. Ethereum finalizes a block after two epochs of 6.4 minutes each, which [ethereum.org](https:\u002F\u002Fethereum.org\u002Fen\u002Froadmap\u002Fsingle-slot-finality\u002F) rounds to about 15 minutes. Stellar and Solana reach finality in seconds.\n\n**Settlement.** The moment the recipient actually has the money, with no further steps or conditions. On-chain, settlement and finality happen together. In card and bank systems, settlement comes days after the payment looks done.\n\n**Reversibility.** Whether a payment can be pulled back. Card payments carry chargebacks for months. A final on-chain transfer can't be reversed by anyone, so mistakes are fixed by a new transfer, not a recall.\n\n## What do custodial and non-custodial mean?\n\n**Custodial.** A provider holds your assets and keys on your behalf, the way a bank holds deposits. Easier to operate, but you depend on the custodian.\n\n**Non-custodial.** You keep control of the keys. The provider can't move funds unless you sign or approve the transaction. Less counterparty risk, more operational work.\n\n**Self-custody.** You hold your own keys with no provider in between. Non-custodial taken all the way.\n\n## What do gas fees, quotes, and spreads mean?\n\n**Gas fee (network fee).** What a blockchain charges to process a transaction. Cents or less on Polygon, Solana, Stellar, and Base; potentially dollars on Ethereum.\n\n**Quote.** A price a provider locks for a short window: the exchange rate, the fees, and the exact amount the recipient will get. If the quote expires, you request a new one.\n\n**FX spread.** The gap between the market exchange rate and the rate you get. It's often the largest cost in a cross-border payment, and banks rarely show it as a line item.\n\n**Slippage.** The difference between the price you expected and the price you got, because the market moved while the order executed. A locked quote moves this risk to the provider.\n\n## What compliance terms come up in blockchain payments?\n\n**KYC (Know Your Customer).** Verifying an individual's identity before they can send or receive money.\n\n**KYB (Know Your Business).** The business version: verifying the company, its registration, and the people who own and control it.\n\n**AML (anti-money laundering).** The program of policies, monitoring, and reporting a regulated company runs to detect and report illicit funds.\n\n**Sanctions screening.** Checking people, companies, and wallet addresses against government sanctions lists, like the list kept by the US Treasury's [Office of Foreign Assets Control](https:\u002F\u002Fofac.treasury.gov\u002F).\n\n**Travel rule.** A requirement for providers to send sender and recipient information along with transfers above a threshold. The [Financial Action Task Force](https:\u002F\u002Fwww.fatf-gafi.org\u002Fen\u002Ftopics\u002Fvirtual-assets.html) extended it to virtual assets in 2019.\n\n**VASP (virtual asset service provider).** FATF's term for any business that exchanges, transfers, or holds virtual assets for others. Most on-ramp and off-ramp providers are VASPs.\n\n## How do bank terms map to blockchain terms?\n\nMost blockchain vocabulary has a close bank-world equivalent. This table is the fastest way to translate.\n\n| Bank term | Blockchain term | What's actually different |\n| --- | --- | --- |\n| Account number | Wallet address | Anyone can create an address. No bank opens it for you |\n| Online banking password | Private key | Lose a key and nobody can reset it |\n| Bank | Custodian, or yourself | With self-custody, there's no institution in between |\n| SWIFT MT103 \u002F wire confirmation | Transaction hash | Anyone can verify a hash on a public explorer |\n| Clearing and settlement (days) | Confirmation and finality (seconds to minutes) | No batch windows, no cut-off times |\n| Wire fee and correspondent fees | Gas fee | Paid once to the network, not per intermediary bank |\n| Chargeback or recall | None | Final transfers can't be reversed |\n| Bank's FX rate | Quote with FX spread | Good providers show the spread before you send |\n| Currency exchange (fiat to fiat) | On-ramp plus off-ramp | The stablecoin sits in the middle |\n\n## How do the terms fit together in one payment?\n\nHere's a US company paying a supplier in Brazil, with the glossary terms in bold.\n\n1. The company is onboarded through **KYB**, and the supplier's bank details are verified.\n2. The company requests a **quote** that locks the **FX spread**, the fees, and the exact reais the supplier will receive.\n3. Dollars arrive by ACH as a **payin**, often into a **virtual account**.\n4. The **on-ramp** converts the dollars into **USDC**.\n5. The USDC moves **on-chain**, gets its **transaction hash**, and reaches **finality** in seconds on a fast **network**.\n6. The **off-ramp** converts the USDC into reais.\n7. The reais land in the supplier's account over **Pix**, the **payout rail**, usually within minutes.\n\nSanctions screening and travel rule checks run around steps 1 and 5. Neither the company nor the supplier ever holds a **private key**, because a provider runs that part. The API version of the same flow is in [how a stablecoin payment works](\u002Fresources\u002Fmore\u002Fhow-a-stablecoin-payment-works).\n\n## How does BlindPay use these terms?\n\n[BlindPay](\u002Fglobal-payments) is a stablecoin payments API, and its docs come in two flavors that map to this glossary. The Abstracted flavor keeps you in bank terms: virtual accounts, payins, payouts, and bank accounts. The stablecoin settles behind the scenes, and nobody picks a network or holds a key. The Advanced flavor exposes the blockchain vocabulary directly: wallets, addresses, networks, tokens, and on-chain authorization.\n\nPayouts go out over Pix, SPEI, Transfers (Argentina), ACH COP (Colombia), ACH, wire, RTP, SEPA, and SWIFT (POBO\u002FCOBO), with no pre-funding. KYC and KYB run inside the API. The [supported chains reference](\u002Fdocs\u002Fkb\u002Fsupported-chains) lists which networks and tokens each feature accepts.\n\n## What to do next\n\nPick the five terms your team argues about most (usually finality, custody, and FX spread) and agree on one definition for each before you evaluate a provider. Then read [build vs buy for stablecoin payments](\u002Fresources\u002Fmore\u002Fbuild-vs-buy-stablecoin-payments) to see which of these layers you'd own if you built it yourself.\n\n*This article is for general information only and is not legal, tax, or financial advice.*\n",{"title":5,"description":571},"Blockchain payments glossary: 34 terms, plain English","resources\u002Fmore\u002Fblockchain-payments-glossary","0f4ueHffKvseFqSX-KWfJajswRIPDpdbwaSFrhbDyjM",[603,607,611,615,619,622,623,626,630,634,638,642,646,650,654,658,661,665,669,673,677,681,685,689,693,697,701,705,709,713,717,721,725,729,733,737,741,745,749,753,757,761,765,769,773,777,781,785,789,793,797,801,805,809,813,817,821,825,829,833,837,841,845,849,853,857,861,865,869,873,877,880,884,888,892,896,900],{"path":604,"title":605,"description":606},"\u002Fresources\u002Fmore\u002Fblockchain-payment-use-cases","7 real-world blockchain payment use cases: payroll, remittances, B2B, and more","Seven places blockchain payments beat bank rails: contractor payroll, remittances, B2B suppliers, marketplaces, 24\u002F7 treasury, bill pay, and PSP payouts.",{"path":608,"title":609,"description":610},"\u002Fresources\u002Fmore\u002Fagent-payment-protocols-compared","AP2 vs ACP vs x402: agent payment protocols compared","AP2, ACP, and x402 each verify that an AI agent had permission to spend. Here is what every protocol covers, who backs it, and the reconciliation gap none of them close.",{"path":612,"title":613,"description":614},"\u002Fresources\u002Fmore\u002Fbest-stablecoin-payment-platform-fintech-2026","Best stablecoin payment platforms for fintech in 2026: a US comparison","Seven stablecoin payment platforms compared for US fintechs in 2026: what makes an API production-ready, how each provider handles compliance, settlement speed against ACH, and how to run the evaluation.",{"path":616,"title":617,"description":618},"\u002Fresources\u002Fmore\u002Fbest-stablecoin-payment-providers-2026","Best stablecoin payment providers in 2026: how to choose","How to choose a stablecoin payment provider in 2026: the four provider types, a comparison of 10 options, and the questions that decide the fit.",{"path":37,"title":620,"description":621},"Blockchain payments explained: how stablecoins move money without correspondent banks","Blockchain payments move a stablecoin on a public ledger instead of messages between banks. How they work, what they cost, and how they compare with SWIFT.",{"path":596,"title":5,"description":571},{"path":546,"title":624,"description":625},"Build vs buy: should you build stablecoin payouts in-house or use an API?","Building stablecoin payouts in-house means wallets, liquidity, banking partners, licenses, and a compliance program. When building makes sense.",{"path":627,"title":628,"description":629},"\u002Fresources\u002Fmore\u002Fcan-a-virtual-account-replace-a-bank-account","Can a virtual account replace a business bank account? What each one does for cross-border companies","Usually not. A virtual account collects and settles payments; a bank account runs payroll, taxes, and credit. A job-by-job guide for cross-border teams.",{"path":631,"title":632,"description":633},"\u002Fresources\u002Fmore\u002Flatam-payout-liquidity-partner-pix-spei","Choosing a liquidity partner for LatAm payouts: Pix, SPEI, and beyond","How to choose a liquidity partner for payouts into Latin America: how Pix and SPEI work, how a stablecoin liquidity layer replaces local bank accounts, and a checklist for coverage, pricing, and compliance.",{"path":635,"title":636,"description":637},"\u002Fresources\u002Fmore\u002Fstablecoin-payout-mistakes","Common stablecoin payout mistakes: wrong network, expired quotes, and bad bank details","The mistakes that make stablecoin payouts fail or stall: wrong network or token, expired quotes, deposits below minimums, bad bank details, and cut-offs.",{"path":639,"title":640,"description":641},"\u002Fresources\u002Fmore\u002Fcorrespondent-banking-vs-stablecoin-liquidity","Correspondent banking vs stablecoin liquidity: why pre-funding traps your capital","Correspondent banking keeps cross-border payouts liquid by parking cash in nostro accounts in every country. What that trapped capital costs a treasury team, and what stablecoin liquidity changes.",{"path":643,"title":644,"description":645},"\u002Fresources\u002Fmore\u002Fcrypto-payment-processor-for-businesses","Crypto payment processor for businesses: what to compare before you choose","Compare crypto payment processors on six criteria: settlement speed, stablecoins, compliance, dev effort, payout coverage, and pricing. Scorecard inside.",{"path":647,"title":648,"description":649},"\u002Fresources\u002Fmore\u002Fcustodial-vs-non-custodial-off-ramps","Custodial vs non-custodial off-ramps: who holds the money, and what happens if the provider fails","A custodial off-ramp holds your stablecoins; a non-custodial one pulls them only at payout. What changes in insolvency, de-banking, and failed payouts.",{"path":651,"title":652,"description":653},"\u002Fresources\u002Fmore\u002Fcustodial-vs-non-custodial-vs-mpc-wallets","Custodial vs non-custodial vs MPC wallets: how to choose","Custodial, non-custodial, and MPC wallets differ in who holds the keys. Compare control, recovery, risk, and regulation, with product examples for each.",{"path":655,"title":656,"description":657},"\u002Fresources\u002Fmore\u002Fstablecoin-cross-border-payments-savings","How businesses use stablecoins for cross-border payments (and where the savings come from)","Correspondent hops, FX markup, and pre-funding: what stablecoin settlement does to each cost of a cross-border payment, with a $50,000 example to Brazil.",{"path":516,"title":659,"description":660},"How does a stablecoin payment move? From bank deposit to local payout, step by step","A stablecoin payment moves in legs: fiat collected, stablecoin settled, fiat paid out. What happens at each step, where delays hide, what recipients see.",{"path":662,"title":663,"description":664},"\u002Fresources\u002Fmore\u002Fcross-border-merchant-payments-without-pre-funding","How global merchants get paid across borders with stablecoins, no pre-funding required","Pre-funding means parking local currency in every market before money moves. Stablecoin virtual accounts remove it. A worked example across 4 countries.",{"path":666,"title":667,"description":668},"\u002Fresources\u002Fmore\u002Fstablecoin-payout-settlement-times","How long does a stablecoin payout take? Settlement times by country and rail","Stablecoin payouts settle in minutes on Pix, SPEI, RTP, and Transfers 3.0, and in 1 to 5 business days on ACH, SEPA, and SWIFT. Full table by rail.",{"path":670,"title":671,"description":672},"\u002Fresources\u002Fmore\u002Fcrypto-on-ramp-fees-explained","How much does a crypto on-ramp cost? Fees, spreads, and how to read a quote","A crypto on-ramp charges through the rate spread, a service fee, the payment rail, and sometimes the network. How each works, and how to read the quote.",{"path":674,"title":675,"description":676},"\u002Fresources\u002Fmore\u002Fstablecoin-off-ramp-fees-explained","How much does a stablecoin off-ramp cost? Fees per transaction vs a bank wire","What a stablecoin off-ramp costs per transaction: network fee, FX spread, percentage and flat fees, worked at $200, $2,000, and $20,000 vs a bank wire.",{"path":678,"title":679,"description":680},"\u002Fresources\u002Fmore\u002Fhow-to-add-stablecoin-payments-to-your-wallet-integration","How to add stablecoin payments to your wallet integration","Connect the wallets you already run to bank deposits and local payouts: register addresses, open virtual accounts, quote, authorize, and track webhooks.",{"path":682,"title":683,"description":684},"\u002Fresources\u002Fmore\u002Fhow-to-choose-a-virtual-account-provider","How to choose a virtual account provider: a 12-point checklist for developers and finance teams","Twelve criteria for evaluating a virtual account API, from rails and naming to custody, webhooks, and pricing, plus red flags and a scorecard to copy.",{"path":686,"title":687,"description":688},"\u002Fresources\u002Fmore\u002Fhow-to-choose-on-off-ramp-provider","How to choose the best on\u002Foff ramp provider for your fintech app","Six criteria for evaluating a crypto on\u002Foff ramp provider: corridor coverage, live quotes, fiat settlement speed, licensing, API quality, and liquidity depth. Each with concrete tests to run, a comparison table, and a scoring framework.",{"path":690,"title":691,"description":692},"\u002Fresources\u002Fmore\u002Fhow-to-evaluate-payment-orchestration-platform","How to evaluate a payment orchestration platform for cross-border payments","Six criteria that decide whether an orchestration platform works for cross-border money: rail coverage, compliance per corridor, developer experience, settlement speed, FX transparency, and pricing.",{"path":694,"title":695,"description":696},"\u002Fresources\u002Fmore\u002Fhow-to-integrate-a-crypto-on-ramp-api","How to integrate a crypto on-ramp API: payin quotes, deposit instructions, and webhooks","The on-ramp API flow step by step: verify the customer, pick the wallet, quote, create the payin, show deposit instructions, and handle webhooks.",{"path":698,"title":699,"description":700},"\u002Fresources\u002Fmore\u002Fhow-to-issue-stablecoin-cards-api","How to issue stablecoin-funded cards through an API: a developer's guide","Build vs. buy for stablecoin card issuing, the objects a card issuing API must expose, a step-by-step integration flow, and where KYC and KYB sit in it.",{"path":702,"title":703,"description":704},"\u002Fresources\u002Fmore\u002Fhow-to-off-ramp-usdc-to-us-bank-account","How to off-ramp USDC to a US bank account: ACH, RTP, or wire","Cashing out USDC or USDT to a US bank account: when ACH, Same Day ACH, RTP, and wire pay out, the cut-offs in ET, the fields you need, and what delays it.",{"path":706,"title":707,"description":708},"\u002Fresources\u002Fmore\u002Fhow-to-off-ramp-usdc-to-euros-sepa","How to off-ramp USDC to euros over SEPA: networks, IBAN details, and timing","Converting USDC to EUR in a SEPA bank account: which networks work, the IBAN details you need, SEPA vs SEPA Instant timing, limits, and what MiCA changes.",{"path":710,"title":711,"description":712},"\u002Fresources\u002Fmore\u002Fhow-to-off-ramp-usdt-latin-america","How to off-ramp USDT to local currency in Latin America","Converting USDT to BRL, MXN, ARS, or COP: which networks work, the payout rail in each country, weekend timing, fees, and the documents a business needs.",{"path":714,"title":715,"description":716},"\u002Fresources\u002Fmore\u002Fhow-to-on-ramp-local-currency-latin-america","How to on-ramp BRL, MXN, ARS, and COP into stablecoins: Pix, SPEI, Transfers 3.0, and PSE","How Latin American bank payments become USDC or USDT: what each rail shows the payer, the payer data it needs, how fast it lands, and the traps by country.",{"path":718,"title":719,"description":720},"\u002Fresources\u002Fmore\u002Fhow-to-pay-invoices-with-stablecoins-api","How to pay invoices, boletos, and Pix codes with stablecoins through an API","Register the bill, quote it, pay it from USDC or USDT, and track two webhook streams. A developer guide to stablecoin bill pay, boleto gotchas included.",{"path":722,"title":723,"description":724},"\u002Fresources\u002Fmore\u002Fhow-to-send-usdc-to-bank-account-brazil","How to send USDC to a bank account in Brazil","Step-by-step: convert USDC to Brazilian reais and deliver them to a bank account over Pix using a stablecoin payout API. Quote, verify, send, settle in minutes.",{"path":726,"title":727,"description":728},"\u002Fresources\u002Fmore\u002Fhow-to-test-virtual-accounts-sandbox","How to test a virtual accounts API integration before going live","The integration sequence for a virtual accounts API, what a sandbox simulates and what it can't, and a test plan with the statuses and webhooks to expect.",{"path":730,"title":731,"description":732},"\u002Fresources\u002Fmore\u002Fvirtual-account-reconciliation","How virtual accounts automate payment reconciliation (with a worked example)","Virtual accounts match each deposit to a customer by account number, not a free-text reference. A worked example with partial payments and micro-deposits.",{"path":734,"title":735,"description":736},"\u002Fresources\u002Fmore\u002Fstablecoin-api-idempotency-keys","Idempotency keys in a stablecoin API: how to never send the same payout twice","A timeout on a payout call is the most common way to pay someone twice. How idempotency keys prevent it, what replays, what conflicts, and how to retry.",{"path":738,"title":739,"description":740},"\u002Fresources\u002Fmore\u002Fhow-to-integrate-a-stablecoin-api","Integrating a stablecoin API: a developer's guide to cross-border payments with BlindPay","Step-by-step integration of a stablecoin API: authenticate, onboard a customer, create a virtual USD account, quote and send a cross-border payout, and handle signed webhooks. Endpoints, statuses, and SDKs for BlindPay.",{"path":742,"title":743,"description":744},"\u002Fresources\u002Fmore\u002Fliquidity-risk-global-payouts","Managing liquidity risk in global payouts: a practical guide for fintechs and PSPs","Liquidity risk in payouts is the chance funds aren't available at the right rate, in the right currency, when a payout settles. Its four sources and a six-step framework to manage them.",{"path":746,"title":747,"description":748},"\u002Fresources\u002Fmore\u002Fmarketplace-stablecoin-payouts-latam","Marketplace payouts in Latin America: stablecoin rails for sellers in Brazil, Mexico, Colombia, and Argentina","How marketplaces pay sellers, creators, and vendors across Latin America with stablecoin settlement: supported rails (Pix, SPEI, PSE, Argentine transfers), the end-to-end payout workflow, API integration, and what changes for speed, minimums, and FX cost.",{"path":750,"title":751,"description":752},"\u002Fresources\u002Fmore\u002Fnon-custodial-payments-explained","Non-custodial payments: what they are and why they reduce risk for businesses","A non-custodial payment provider moves your money without holding it between payments. Who controls the funds, who carries the risk, and what to ask.",{"path":754,"title":755,"description":756},"\u002Fresources\u002Fmore\u002Fon-off-ramp-liquidity-live-quotes","On\u002Foff ramp liquidity with live quotes: how it works and why it matters","What on\u002Foff ramp liquidity with live quotes means for developers: live quote vs batch rate, the quote ID flow in an API, what happens on expiry, how liquidity depth changes spread by transaction size, rate windows and UX, and a checklist for evaluating a live quote API.",{"path":758,"title":759,"description":760},"\u002Fresources\u002Fmore\u002Fpayment-orchestration-vs-payment-gateway","Payment orchestration vs payment gateway: what's the difference?","A gateway connects you to one processor. An orchestration platform connects to many rails and picks the best path per transaction. The table, the triggers, and a worked USD to BRL example.",{"path":762,"title":763,"description":764},"\u002Fresources\u002Fmore\u002Fstablecoin-api-openapi-sdks","Stablecoin API SDKs: how one OpenAPI spec keeps five languages in sync","BlindPay's stablecoin API is described by one OpenAPI 3.1 spec that drives validation, docs, SDKs for Node, Python, Go, PHP, and Swift, and the MCP server.",{"path":766,"title":767,"description":768},"\u002Fresources\u002Fmore\u002Fstablecoin-api-sla-settlement-finality","Stablecoin API SLAs and settlement finality explained","Stablecoin API uptime numbers cluster near 99.9% for a reason: most providers measure API acceptance instead of the point where money becomes final and spendable.",{"path":770,"title":771,"description":772},"\u002Fresources\u002Fmore\u002Fstablecoin-api-quotes-explained","Stablecoin API quotes explained: expiry, fee direction, and minor units","A stablecoin API quote locks the rate, fees, and amounts for a few minutes. How expiry works, which side pays the fee, and the field that flips meaning.",{"path":774,"title":775,"description":776},"\u002Fresources\u002Fmore\u002Fstablecoin-api-sandbox-vs-production","Stablecoin API sandbox vs production: what testing misses","Most stablecoin API sandboxes pass every integration test and still leave a team unprepared for production, because webhook delivery and idempotent retries are exactly what sandboxes fake or skip.",{"path":778,"title":779,"description":780},"\u002Fresources\u002Fmore\u002Fstablecoin-api-webhooks-reconciliation","Stablecoin API webhooks: signature checks, duplicate events, and reconciliation","How to handle stablecoin API webhooks in production: verify signatures on raw bytes, dedupe retries, never regress a final status, reconcile daily.",{"path":782,"title":783,"description":784},"\u002Fresources\u002Fmore\u002Fstablecoin-fx-slippage-live-quotes","Stablecoin FX slippage: how live quotes turn the quoted rate into the rate you get","FX slippage is the gap between the rate a stablecoin on-ramp or off-ramp shows and the rate that settles. Why quote freshness is a liquidity signal, and how to check a quote-then-execute flow.",{"path":786,"title":787,"description":788},"\u002Fresources\u002Fmore\u002Fstablecoin-cards-latin-america","Stablecoin cards in Latin America: how they work in Brazil, Mexico, Argentina, and Colombia","How USD stablecoin cards work in Brazil, Mexico, Argentina, and Colombia: local card and crypto rules, costs at the point of sale, and when a Pix or SPEI payout fits better.",{"path":790,"title":791,"description":792},"\u002Fresources\u002Fmore\u002Fstablecoin-liquidity-provider-vs-fx-desk","Stablecoin liquidity providers vs traditional FX desks: what finance teams should know","A bank FX desk prices cross-border payouts by relationship. A stablecoin liquidity provider prices them by API. How the two compare on cost, speed, minimums, coverage, and compliance.",{"path":794,"title":795,"description":796},"\u002Fresources\u002Fmore\u002Fstablecoin-payment-fees-vs-card-processing-fees","Stablecoin payment fees vs credit card processing fees: what merchants actually pay","Cards cost merchants 1.5% to 3.5% plus cross-border, FX, and chargeback fees. Stablecoin payments cost cents on-chain plus a sub-percent conversion spread.",{"path":798,"title":799,"description":800},"\u002Fresources\u002Fmore\u002Fstablecoin-payments-guide","Stablecoin payments explained: a guide for businesses","Stablecoin payments move dollar-pegged tokens between parties and settle in minutes, 24\u002F7. How they work, what they cost, and how businesses accept and send them.",{"path":802,"title":803,"description":804},"\u002Fresources\u002Fmore\u002Fstablecoin-payout-statuses-explained","Stablecoin payout statuses explained: processing, on hold, completed, failed, and refunded","What each stablecoin payout status means, which are final, why an on-chain confirmation isn't a completed payout, and how to test every failure.",{"path":806,"title":807,"description":808},"\u002Fresources\u002Fmore\u002Fstablecoin-payroll-latam-contractors","Stablecoin payroll for LATAM contractors: how it actually works in 2026","How US companies pay contractors in Argentina, Brazil, Mexico, and Colombia with stablecoins in 2026: USDC vs USDT, the step-by-step payout flow, US tax reporting, a platform comparison, and how to start.",{"path":810,"title":811,"description":812},"\u002Fresources\u002Fmore\u002Fstablecoin-settlement-for-merchants","Stablecoin settlement explained: how merchants get paid faster than card networks","Stablecoin payments settle in seconds to minutes, final and 24\u002F7. Cards take 1 to 3 business days and wires up to 5. How it works and how to cash out.",{"path":814,"title":815,"description":816},"\u002Fresources\u002Fmore\u002Fstablecoin-virtual-accounts-explained","Stablecoin virtual accounts explained: from bank transfer to wallet balance","A stablecoin virtual account is a bank account in your customer's name whose deposits convert to USDC or USDT. How approval, deposits, and fees work.",{"path":818,"title":819,"description":820},"\u002Fresources\u002Fmore\u002Fstablecoin-virtual-cards-cross-border-payouts","Stablecoin-funded virtual cards vs. traditional virtual cards for cross-border payouts","Stablecoin-funded vs. bank-funded virtual cards for paying contractors and vendors abroad: funding speed, pre-funding, FX cost, settlement finality, and a Brazil walkthrough.",{"path":822,"title":823,"description":824},"\u002Fresources\u002Fmore\u002Fstablecoins-local-rails-latin-america","Stablecoins plus local rails: how cross-border payments actually land in Latin America","A stablecoin crosses the border in seconds, but the payment lands over Pix, SPEI, or another local rail. How that last mile works in Brazil and Mexico.",{"path":826,"title":827,"description":828},"\u002Fresources\u002Fmore\u002Fstablecoin-vs-swift-b2b-payments","Stablecoins vs SWIFT for B2B cross-border payments: a real comparison","Where SWIFT wires still win, where stablecoin settlement wins, and how to compare the two on cost, speed, traceability, and failure modes for business payments in 2026.",{"path":830,"title":831,"description":832},"\u002Fresources\u002Fmore\u002Fusdc-to-ars-routes-2026","USDC to ARS in 2026: routes, fees, and rules compared","Four ways to convert USDC to Argentine pesos in 2026: stablecoin payout APIs, local exchanges, P2P, and global exchanges with Transfers 3.0. Fees, speed, KYC, and Argentina's PSAV rules compared.",{"path":834,"title":835,"description":836},"\u002Fresources\u002Fmore\u002Fusdc-to-brl-routes-2026","USDC to BRL in 2026: routes, fees, and rules compared","Four ways to convert USDC to Brazilian reais in 2026: stablecoin payout APIs, local exchanges, P2P, and global exchanges with Pix. Fees, speed, KYC, and Brazil's VASP rules compared.",{"path":838,"title":839,"description":840},"\u002Fresources\u002Fmore\u002Fusdc-to-cop-routes-2026","USDC to COP in 2026: routes, fees, and rules compared","Four ways to convert USDC to Colombian pesos in 2026: stablecoin payout APIs, local exchanges, P2P, and global exchanges with PSE. Fees, speed, KYC, and Colombia's VASP rules compared.",{"path":842,"title":843,"description":844},"\u002Fresources\u002Fmore\u002Fusdc-to-mxn-routes-2026","USDC to MXN in 2026: routes, fees, and rules compared","Four ways to convert USDC to Mexican pesos in 2026: stablecoin payout APIs, local exchanges, P2P, and global exchanges with SPEI. Fees, speed, KYC, and Mexico's rules compared.",{"path":846,"title":847,"description":848},"\u002Fresources\u002Fmore\u002Fvirtual-account-deposit-not-received","Virtual account deposit not received? Why deposits get delayed, held, or returned","Why a virtual account deposit is late, on hold, or returned: arrival windows, payin statuses, RFIs, wrong rails, and how to trace a wire or SWIFT payment.",{"path":850,"title":851,"description":852},"\u002Fresources\u002Fmore\u002Fvirtual-account-vs-virtual-iban","Virtual account vs virtual IBAN vs real bank account: what's the difference?","A real account holds funds for one holder. A virtual account routes deposits into a master account. A virtual IBAN is the IBAN version. When to use each.",{"path":854,"title":855,"description":856},"\u002Fresources\u002Fmore\u002Fvirtual-accounts-cross-border-payments","Virtual accounts for cross-border payments: use cases, payment rails, and costs","How virtual accounts let payers abroad pay a local-style account, which rails collect and pay out, what drives the cost, and five questions to ask.",{"path":858,"title":859,"description":860},"\u002Fresources\u002Fmore\u002Fpix-key-cpf-clabe-payout-details","What details do you need to pay someone in Brazil or Mexico? Pix keys, CPF, and CLABE","What a payout to Brazil or Mexico needs from the recipient: Pix key types, CPF and CNPJ formats, the 18-digit CLABE, and the checks that stop a bad payout.",{"path":862,"title":863,"description":864},"\u002Fresources\u002Fmore\u002Fno-pre-funding-stablecoin-payouts","What does \"no pre-funding\" mean in a stablecoin API?","No pre-funding means each payout is funded when you send it, not from a balance parked in advance. The three funding models, the math, and what to ask.",{"path":866,"title":867,"description":868},"\u002Fresources\u002Fmore\u002Fwhat-is-a-crypto-on-ramp-and-off-ramp","What is a crypto on-ramp and off-ramp? A guide for fintech builders","A crypto on-ramp converts fiat into stablecoins or crypto; an off-ramp converts them back into fiat in a bank account. How each works step by step, how they differ, which payment methods on-ramps support, and who they are built for.",{"path":870,"title":871,"description":872},"\u002Fresources\u002Fmore\u002Fwhat-is-a-liquidity-market-cross-border-payments","What is a liquidity market in cross-border payments? And why stablecoin liquidity is changing it","A liquidity market in cross-border payments is where the currency to settle a transfer gets sourced. How correspondent banks pre-fund it, and how stablecoin liquidity changes the model.",{"path":874,"title":875,"description":876},"\u002Fresources\u002Fmore\u002Fwhat-is-a-stablecoin-offramp","What is a stablecoin off-ramp? How crypto becomes cash","A stablecoin off-ramp converts stablecoins like USDC or USDT back into fiat currency in a bank account. How the conversion works and who regulates it.",{"path":152,"title":878,"description":879},"What is a virtual account? A plain-English guide for fintech teams","A virtual account is a unique set of bank details that routes incoming payments to one customer or purpose. How it works, who uses it, and where it fits.",{"path":881,"title":882,"description":883},"\u002Fresources\u002Fmore\u002Fwhat-is-payment-orchestration","What is payment orchestration? The routing layer, explained","Payment orchestration is the routing layer between your app and every processor, bank, and rail you use. The five layers, how stablecoin settlement fits, and how it differs from a gateway.",{"path":885,"title":886,"description":887},"\u002Fresources\u002Fmore\u002Fstablecoin-payments-provider-due-diligence","What to ask a stablecoin payments provider: 30 due diligence questions","The questions to ask a stablecoin payments vendor before you sign: licensing, custody, pricing, rails, compliance, failure handling, security, and exit.",{"path":889,"title":890,"description":891},"\u002Fresources\u002Fmore\u002Fwhen-not-to-use-blockchain-payments","When not to use blockchain payments: 7 cases where a bank rail wins","Blockchain payments beat wires on many corridors, not all of them. Seven cases where a domestic rail, a card, or a plain wire is still the better choice.",{"path":893,"title":894,"description":895},"\u002Fresources\u002Fmore\u002Fhow-to-track-a-crypto-off-ramp-payout","Where is my off-ramp payout? How to track it rail by rail, and what to tell the recipient","Track an off-ramp payout from transaction hash to bank: the reference each rail gives you (Pix E2E ID, SPEI key, ACH trace, UETR) and status copy.",{"path":897,"title":898,"description":899},"\u002Fresources\u002Fmore\u002Fwhy-are-cross-border-payments-slow","Why are cross-border payments slow? Where the days go in an international wire","Most SWIFT payments reach the destination bank within an hour. The days go to cut-offs, correspondent hops, compliance checks, and local crediting.",{"path":901,"title":902,"description":903},"\u002Fresources\u002Fmore\u002Fwhy-crypto-on-ramp-deposits-fail","Why crypto on-ramp deposits fail: missing references, late transfers, holds, and refunds","Most failed on-ramps fail on the fiat side: a missing reference, the wrong payer, a late transfer, a hold. What happens to the money in each case.",1791301920805]