[{"data":1,"prerenderedAt":1068},["ShallowReactive",2],{"content-\u002Fresources\u002Fmore\u002Fdoes-network-change-offramp-quote":3,"resources-category-does-network-change-offramp-quote":878},{"id":4,"title":5,"authors":6,"body":7,"categories":6,"category":848,"categoryType":6,"compare":6,"contributors":6,"date":849,"description":850,"extension":851,"faq":852,"howto":6,"isBlog":868,"isChangelog":868,"meta":869,"navigation":871,"path":872,"pillar":868,"products":6,"rawbody":873,"role":6,"seo":874,"seoTitle":875,"stem":876,"thumbnail":6,"updated":849,"__hash__":877},"content\u002Fresources\u002Fmore\u002Fdoes-network-change-offramp-quote.md","Does the blockchain network change your off-ramp quote? What moves and what doesn't",null,{"type":8,"value":9,"toc":838},"minimark",[10,23,26,32,68,73,76,83,187,200,204,207,335,349,353,360,425,497,505,509,515,588,591,602,704,712,716,719,742,750,754,761,782,793,797,800,818,822,834],[11,12,13,14,18,19,22],"p",{},"Partly. On BlindPay, every payout quote takes a ",[15,16,17],"code",{},"network"," and a ",[15,20,21],{},"token",", and fees are scheduled per payment rail and per blockchain network, so the fee lines can differ by chain. The bank rail, the recipient, and the quote's window don't change. Gas sits outside the quote. To know the real difference, quote the same payout on two networks and compare.",[11,24,25],{},"Short version: the chain mostly changes what you pay to get the stablecoins in, not how the local currency gets out.",[11,27,28],{},[29,30,31],"strong",{},"Key takeaways",[33,34,35,44,51,58,61],"ul",{},[36,37,38,40,41,43],"li",{},[15,39,17],{}," and ",[15,42,21],{}," are required inputs to a payout quote. An incompatible pair fails with a 400.",[36,45,46,47,50],{},"Fees are set per rail and per network. Read your schedule from ",[15,48,49],{},"GET \u002Fbilling\u002Ffees",", then confirm on a live quote.",[36,52,53,54,57],{},"Gas is paid on-chain by the signer and is not a quote line. EVM payouts from external wallets add an ",[15,55,56],{},"approve"," transaction.",[36,59,60],{},"Offramp wallets add a fixed per-chain fee: 15 USDT on Tron, 1 USDC on Ethereum, 0.50 USDC on Solana, zero on Polygon, Arbitrum, Base, Tempo, and Arc.",[36,62,63,64,67],{},"Compare networks on ",[15,65,66],{},"receiver_amount"," for the same request, not on token or chain reputation.",[69,70,72],"h2",{"id":71},"why-does-a-payout-quote-ask-for-a-network-and-token","Why does a payout quote ask for a network and token?",[11,74,75],{},"Because the quote prices the funding leg as well as the conversion. The stablecoins have to leave a wallet on a specific chain, and BlindPay has to know which token contract to pull from and how to settle it.",[11,77,78,79,82],{},"The request to ",[15,80,81],{},"POST \u002Fv1\u002Finstances\u002F{instance_id}\u002Fquotes"," always carries both:",[84,85,90],"pre",{"className":86,"code":87,"language":88,"meta":89,"style":89},"language-json shiki shiki-themes github-light","{\n  \"bank_account_id\": \"ba_000000000000\",\n  \"currency_type\": \"sender\",\n  \"cover_fees\": false,\n  \"request_amount\": 1000000,\n  \"network\": \"polygon\",\n  \"token\": \"USDC\"\n}\n","json","",[15,91,92,101,118,131,144,157,170,181],{"__ignoreMap":89},[93,94,97],"span",{"class":95,"line":96},"line",1,[93,98,100],{"class":99},"sgsFI","{\n",[93,102,104,108,111,115],{"class":95,"line":103},2,[93,105,107],{"class":106},"sYu0t","  \"bank_account_id\"",[93,109,110],{"class":99},": ",[93,112,114],{"class":113},"sYBdl","\"ba_000000000000\"",[93,116,117],{"class":99},",\n",[93,119,121,124,126,129],{"class":95,"line":120},3,[93,122,123],{"class":106},"  \"currency_type\"",[93,125,110],{"class":99},[93,127,128],{"class":113},"\"sender\"",[93,130,117],{"class":99},[93,132,134,137,139,142],{"class":95,"line":133},4,[93,135,136],{"class":106},"  \"cover_fees\"",[93,138,110],{"class":99},[93,140,141],{"class":106},"false",[93,143,117],{"class":99},[93,145,147,150,152,155],{"class":95,"line":146},5,[93,148,149],{"class":106},"  \"request_amount\"",[93,151,110],{"class":99},[93,153,154],{"class":106},"1000000",[93,156,117],{"class":99},[93,158,160,163,165,168],{"class":95,"line":159},6,[93,161,162],{"class":106},"  \"network\"",[93,164,110],{"class":99},[93,166,167],{"class":113},"\"polygon\"",[93,169,117],{"class":99},[93,171,173,176,178],{"class":95,"line":172},7,[93,174,175],{"class":106},"  \"token\"",[93,177,110],{"class":99},[93,179,180],{"class":113},"\"USDC\"\n",[93,182,184],{"class":95,"line":183},8,[93,185,186],{"class":99},"}\n",[11,188,189,190,193,194,199],{},"For EVM networks, the response also returns a ",[15,191,192],{},"contract"," object: the token contract address, the ABI, BlindPay's address to approve as spender, and the exact decimal-adjusted amount. Stellar and Solana don't use that allowance pattern; Stellar payouts sign an XDR transaction and Solana payouts sign a token delegation. Same quote, different signing step. The ",[195,196,198],"a",{"href":197},"\u002Fdocs\u002Fpayout-quotes","payout quotes reference"," has every field.",[69,201,203],{"id":202},"which-parts-of-a-quote-can-change-with-the-network-or-token","Which parts of a quote can change with the network or token?",[11,205,206],{},"Some lines can. Others are fixed by the bank side of the payment and don't care which chain the USDC came from.",[208,209,210,226],"table",{},[211,212,213],"thead",{},[214,215,216,220,223],"tr",{},[217,218,219],"th",{},"Part of the payout",[217,221,222],{},"Can network or token change it?",[217,224,225],{},"Where you see it",[227,228,229,245,262,275,286,300,311,322],"tbody",{},[214,230,231,239,242],{},[232,233,234,235,238],"td",{},"Market rate (",[15,236,237],{},"commercial_quotation",")",[232,240,241],{},"Possibly, by token; check by quoting both",[232,243,244],{},"Quote response",[214,246,247,254,257],{},[232,248,249,250,253],{},"BlindPay's fee lines (",[15,251,252],{},"flat_fee",", applied rate)",[232,255,256],{},"Yes, fees are scheduled per rail and per network",[232,258,259,260],{},"Quote response, ",[15,261,49],{},[214,263,264,270,273],{},[232,265,266,267,238],{},"Partner fee (",[15,268,269],{},"partner_fee_amount",[232,271,272],{},"No, partner fees are set per payin and per payout",[232,274,244],{},[214,276,277,280,283],{},[232,278,279],{},"Gas",[232,281,282],{},"Yes, and it sits outside the quote",[232,284,285],{},"Your wallet's transaction",[214,287,288,291,297],{},[232,289,290],{},"Signing step",[232,292,293,294,296],{},"Yes: ",[15,295,56],{}," on EVM, delegation on Solana, XDR on Stellar",[232,298,299],{},"Payout tutorials",[214,301,302,305,308],{},[232,303,304],{},"Offramp wallet additional fee and minimum",[232,306,307],{},"Yes, fixed per chain",[232,309,310],{},"Offramp wallet docs",[214,312,313,316,319],{},[232,314,315],{},"Bank rail, recipient, arrival time",[232,317,318],{},"No",[232,320,321],{},"Bank account",[214,323,324,327,330],{},[232,325,326],{},"Quote window",[232,328,329],{},"No, set by quote type and rail",[232,331,332],{},[15,333,334],{},"expires_at",[11,336,337,338,340,341,343,344,348],{},"The rule for the first row: don't assume. Request two quotes a few seconds apart, identical except for ",[15,339,17],{}," or ",[15,342,21],{},", and diff them. ",[195,345,347],{"href":346},"\u002Fresources\u002Fmore\u002Fwhere-is-the-exchange-rate-set-onramp-offramp","Where the exchange rate gets fixed"," explains which line holds which part of the price.",[69,350,352],{"id":351},"how-do-you-read-your-fee-schedule-per-network","How do you read your fee schedule per network?",[11,354,355,356,359],{},"Call ",[15,357,358],{},"GET \u002Fv1\u002Finstances\u002F{instance_id}\u002Fbilling\u002Ffees"," with an owner or admin key. It returns one fee object per payment rail and one per blockchain network configured for your instance.",[11,361,362,363,367,368,371,372,371,375,371,378,371,381,371,384,371,387,371,390,371,393,371,396,371,399,402,403,371,406,371,409,371,412,371,415,371,418,371,421,424],{},"The ",[195,364,366],{"href":365},"\u002Fdocs\u002Flearn\u002Fbilling","billing reference"," lists the rails (",[15,369,370],{},"ach",", ",[15,373,374],{},"domestic_wire",[15,376,377],{},"rtp",[15,379,380],{},"international_swift",[15,382,383],{},"pix",[15,385,386],{},"pix_safe",[15,388,389],{},"ted",[15,391,392],{},"ach_colombia",[15,394,395],{},"transfers_3",[15,397,398],{},"spei",[15,400,401],{},"sepa",") and the networks (",[15,404,405],{},"tron",[15,407,408],{},"ethereum",[15,410,411],{},"polygon",[15,413,414],{},"base",[15,416,417],{},"arbitrum",[15,419,420],{},"stellar",[15,422,423],{},"solana","). Each object has four fields:",[208,426,427,440],{},[211,428,429],{},[214,430,431,434,437],{},[217,432,433],{},"Field",[217,435,436],{},"Unit",[217,438,439],{},"Meaning",[227,441,442,455,472,484],{},[214,443,444,449,452],{},[232,445,446],{},[15,447,448],{},"payout_flat",[232,450,451],{},"Cents",[232,453,454],{},"Flat fee per payout",[214,456,457,462,469],{},[232,458,459],{},[15,460,461],{},"payout_percentage",[232,463,464,465,468],{},"Basis points (",[15,466,467],{},"50"," = 0.50%)",[232,470,471],{},"Percentage fee per payout",[214,473,474,479,481],{},[232,475,476],{},[15,477,478],{},"payin_flat",[232,480,451],{},[232,482,483],{},"Flat fee per payin",[214,485,486,491,494],{},[232,487,488],{},[15,489,490],{},"payin_percentage",[232,492,493],{},"Basis points",[232,495,496],{},"Percentage fee per payin",[11,498,499,500,504],{},"BlindPay doesn't publish a flat rate card. The schedule is your instance's configuration, and every quote discloses the exact fee for that payment before you execute. Use the schedule to plan and the quote to decide. ",[195,501,503],{"href":502},"\u002Fresources\u002Fmore\u002Fstablecoin-off-ramp-fees-explained","Stablecoin off-ramp fees explained"," covers the fee types more broadly.",[69,506,508],{"id":507},"what-does-a-network-comparison-look-like","What does a network comparison look like?",[11,510,511,514],{},[29,512,513],{},"Illustrative example."," A team pays out 10,000 USDC to a Pix account and quotes the same request on two networks. The numbers are made up for the arithmetic, not BlindPay pricing.",[208,516,517,529],{},[211,518,519],{},[214,520,521,523,526],{},[217,522],{},[217,524,525],{},"Quote on network A",[217,527,528],{},"Quote on network B",[227,530,531,544,555,566,576],{},[214,532,533,539,542],{},[232,534,535,538],{},[15,536,537],{},"request_amount"," (sender side)",[232,540,541],{},"10,000.00 USDC",[232,543,541],{},[214,545,546,550,553],{},[232,547,548],{},[15,549,237],{},[232,551,552],{},"5.40 BRL per USDC",[232,554,552],{},[214,556,557,560,563],{},[232,558,559],{},"Extra network-level fee",[232,561,562],{},"0.00 USDC",[232,564,565],{},"1.00 USDC",[214,567,568,571,574],{},[232,569,570],{},"Effective rate",[232,572,573],{},"5.373",[232,575,573],{},[214,577,578,582,585],{},[232,579,580],{},[15,581,66],{},[232,583,584],{},"R$53,730.00",[232,586,587],{},"R$53,724.63",[11,589,590],{},"Network B delivers 1.00 x 5.373 = R$5.37 less. On one payout, noise. On 2,000 payouts a month, R$10,746 less for the same USDC. Since the market rate matched, the whole difference is fees, which is what you'd confirm in the fee fields.",[11,592,593,596,597,601],{},[29,594,595],{},"Worked example with documented offramp wallet fees."," Offramp wallets, deposit addresses that pay out to a linked bank account automatically, carry a fixed additional fee per chain, per the ",[195,598,600],{"href":599},"\u002Fdocs\u002Fofframp-wallets","offramp wallet docs",":",[208,603,604,623],{},[211,605,606],{},[214,607,608,611,614,617,620],{},[217,609,610],{},"Chain",[217,612,613],{},"Tokens on an offramp wallet",[217,615,616],{},"Minimum",[217,618,619],{},"Additional fee",[217,621,622],{},"Share of a 250 payment",[227,624,625,642,656,672,687],{},[214,626,627,630,633,636,639],{},[232,628,629],{},"Polygon",[232,631,632],{},"USDC, USDT",[232,634,635],{},"Fees only",[232,637,638],{},"0",[232,640,641],{},"0.0%",[214,643,644,647,650,652,654],{},[232,645,646],{},"Arbitrum, Base, Tempo, Arc",[232,648,649],{},"USDC",[232,651,635],{},[232,653,638],{},[232,655,641],{},[214,657,658,661,663,666,669],{},[232,659,660],{},"Solana",[232,662,649],{},[232,664,665],{},"50 USDC",[232,667,668],{},"0.50 USDC",[232,670,671],{},"0.2%",[214,673,674,677,679,681,684],{},[232,675,676],{},"Ethereum",[232,678,649],{},[232,680,635],{},[232,682,683],{},"1 USDC",[232,685,686],{},"0.4%",[214,688,689,692,695,698,701],{},[232,690,691],{},"Tron",[232,693,694],{},"USDT",[232,696,697],{},"200 USDT",[232,699,700],{},"15 USDT",[232,702,703],{},"6.0%",[11,705,706,707,711],{},"The math: 15 ÷ 250 = 6.0% on Tron, against 0% for the same USDT on Polygon. For small recurring payouts, the chain is the biggest fee decision you make. More on the mechanism in ",[195,708,710],{"href":709},"\u002Fresources\u002Fmore\u002Fwhat-is-an-off-ramp-wallet","what an off-ramp wallet is",".",[69,713,715],{"id":714},"does-usdc-vs-usdt-change-the-rate","Does USDC vs USDT change the rate?",[11,717,718],{},"It can, depending on the path. The same docs give one concrete case: on an offramp wallet paying out in USD, USDT deposits convert at a flat 1:1 rate with no market spread, while USDC deposits use the live market rate.",[11,720,721,722,724,725,729,730,736,737,711],{},"For local-currency payouts, quote both tokens and compare ",[15,723,237],{},". Token choice is also constrained by the chain. Per ",[195,726,728],{"href":727},"\u002Fdocs\u002Fkb\u002Fsupported-chains","BlindPay's supported chains",", USDC payouts run on Ethereum, Polygon, Base, Arbitrum, Tempo, Arc, Stellar, and Solana, and USDT payouts run on Ethereum, Polygon, Tempo, Solana, and Tron. Circle lists its ",[195,731,735],{"href":732,"rel":733},"https:\u002F\u002Fdevelopers.circle.com\u002Fstablecoins\u002Fusdc-contract-addresses",[734],"nofollow","USDC contract addresses"," per chain, and Tether lists its ",[195,738,741],{"href":739,"rel":740},"https:\u002F\u002Ftether.to\u002Fen\u002Fsupported-protocols\u002F",[734],"supported protocols",[11,743,744,745,749],{},"Mistakes surface early: a token on a chain where it isn't deployed fails at quote time with a 400 that names the pair, before any money moves. ",[195,746,748],{"href":747},"\u002Fresources\u002Fmore\u002Fusdc-vs-usdt-for-payments","USDC vs USDT for payments"," compares the tokens themselves.",[69,751,753],{"id":752},"where-does-gas-fit","Where does gas fit?",[11,755,756,757,340,759,711],{},"Outside the quote. Gas is the chain's fee for processing your transaction, paid by whoever signs it, and it never shows up in ",[15,758,252],{},[15,760,66],{},[11,762,763,764,769,770,775,776,781],{},"On most chains you pay it in the native token: ETH on Ethereum, per ",[195,765,768],{"href":766,"rel":767},"https:\u002F\u002Fethereum.org\u002Fen\u002Fdevelopers\u002Fdocs\u002Fgas\u002F",[734],"ethereum.org",", SOL on Solana, per ",[195,771,774],{"href":772,"rel":773},"https:\u002F\u002Fsolana.com\u002Fdocs\u002Fcore\u002Ffees",[734],"Solana's fee docs",", and bandwidth or energy on Tron, per ",[195,777,780],{"href":778,"rel":779},"https:\u002F\u002Fdevelopers.tron.network\u002Fdocs\u002Fresource-model",[734],"Tron's resource model",". Arc uses USDC as its gas token.",[11,783,784,785,787,788,792],{},"On EVM payouts from an external wallet, your wallet signs an ",[15,786,56],{}," call for the quoted amount, and that transaction needs gas. Funding from a BlindPay-managed wallet skips the client-side signing, but managed wallets are in beta and custodial. ",[195,789,791],{"href":790},"\u002Fresources\u002Fmore\u002Fwho-pays-gas-fees-stablecoin-payments","Who pays gas fees"," breaks this down by flow.",[69,794,796],{"id":795},"does-the-network-change-how-fast-the-money-arrives","Does the network change how fast the money arrives?",[11,798,799],{},"Only the on-chain part. The rail decides the rest. Pix and SPEI deliver in minutes whatever chain funded them, and a SEPA payout's crypto leg always runs on Polygon regardless of which network you funded from. That doesn't change your API call, but it can change the on-chain timing you observe.",[11,801,802,803,807,808,812,813,817],{},"Finality by chain is covered in ",[195,804,806],{"href":805},"\u002Fresources\u002Fmore\u002Fbest-network-to-off-ramp-stablecoins","which network to off-ramp on",". Choose by token support first, then by the fee lines on a real quote, then by gas and finality. For how live quotes behave when the local currency moves, see ",[195,809,811],{"href":810},"\u002Fresources\u002Fmore\u002Flive-quotes-volatile-currencies-latin-america","live quotes and volatile currencies",", and the ",[195,814,816],{"href":815},"\u002Fresources\u002Fmore\u002Fonramp-offramp-liquidity-glossary","glossary"," for any term here.",[69,819,821],{"id":820},"what-to-do-next","What to do next",[11,823,824,825,827,828,830,831,833],{},"Pull your fee schedule from ",[15,826,49],{},", then request the same payout quote on your two most likely networks and diff ",[15,829,66],{},". Ten minutes, and you'll know which chain to default to. The ",[195,832,366],{"href":365}," has the request.",[835,836,837],"style",{},"html pre.shiki code .sgsFI, html code.shiki .sgsFI{--shiki-default:#24292E}html pre.shiki code .sYu0t, html code.shiki .sYu0t{--shiki-default:#005CC5}html pre.shiki code .sYBdl, html code.shiki .sYBdl{--shiki-default:#032F62}html .default .shiki span {color: var(--shiki-default);background: var(--shiki-default-bg);font-style: var(--shiki-default-font-style);font-weight: var(--shiki-default-font-weight);text-decoration: var(--shiki-default-text-decoration);}html .shiki span {color: var(--shiki-default);background: var(--shiki-default-bg);font-style: var(--shiki-default-font-style);font-weight: var(--shiki-default-font-weight);text-decoration: var(--shiki-default-text-decoration);}",{"title":89,"searchDepth":103,"depth":103,"links":839},[840,841,842,843,844,845,846,847],{"id":71,"depth":103,"text":72},{"id":202,"depth":103,"text":203},{"id":351,"depth":103,"text":352},{"id":507,"depth":103,"text":508},{"id":714,"depth":103,"text":715},{"id":752,"depth":103,"text":753},{"id":795,"depth":103,"text":796},{"id":820,"depth":103,"text":821},"stablecoins","2026-10-06","Network and token are inputs to every payout quote. Which quote lines can change by chain, where gas sits, and how to compare two networks fairly.","md",[853,856,859,862,865],{"q":854,"a":855},"Does the blockchain I send from change my off-ramp exchange rate?","The network is an input to the quote, but the main thing it changes is the fee side, not the bank rail or the recipient's details. At BlindPay, fees are scheduled per payment rail and per blockchain network. The reliable way to see the effect is to request the same payout on two networks and compare commercial_quotation, the fee fields, and receiver_amount.",{"q":857,"a":858},"Where do I see BlindPay's fees for each network?","Call GET \u002Fv1\u002Finstances\u002F{instance_id}\u002Fbilling\u002Ffees with an owner or admin key. It returns a fee object per payment rail and per blockchain network, each with payout_flat in cents and payout_percentage in basis points, plus the payin equivalents. Every quote also discloses the exact fees for that payment before you execute it.",{"q":860,"a":861},"Is gas included in an off-ramp quote?","No. Gas is the blockchain's own fee for moving the tokens, paid by whoever signs the transaction, usually in the chain's native token. It doesn't appear in the quote's fee lines. On most chains it is small next to the payment, but on EVM chains each payout from an external wallet also needs an approve transaction, which costs gas too.",{"q":863,"a":864},"Is USDT or USDC cheaper to off-ramp?","It depends on the network and the payout path, so compare quotes rather than tokens. One documented case: on a BlindPay offramp wallet paying out in USD, USDT deposits convert at a flat 1:1 rate with no market spread, while USDC deposits use the live market rate. The per-chain additional fee on that offramp wallet then differs by network.",{"q":866,"a":867},"What happens if I quote a token on a network where it isn't deployed?","The quote request fails with a 400 error that names the pair. At BlindPay, USDC payouts run on Ethereum, Polygon, Base, Arbitrum, Tempo, Arc, Stellar, and Solana, and USDT payouts run on Ethereum, Polygon, Tempo, Solana, and Tron. Development instances use USDB on testnets only.",false,{"author":870},"BlindPay Team",true,"\u002Fresources\u002Fmore\u002Fdoes-network-change-offramp-quote","---\ntitle: \"Does the blockchain network change your off-ramp quote? What moves and what doesn't\"\nseoTitle: \"Does the network or token change your off-ramp quote?\"\ndescription: \"Network and token are inputs to every payout quote. Which quote lines can change by chain, where gas sits, and how to compare two networks fairly.\"\ndate: \"2026-10-06\"\nupdated: \"2026-10-06\"\ncategory: \"stablecoins\"\nauthor: \"BlindPay Team\"\nfaq:\n  - q: \"Does the blockchain I send from change my off-ramp exchange rate?\"\n    a: \"The network is an input to the quote, but the main thing it changes is the fee side, not the bank rail or the recipient's details. At BlindPay, fees are scheduled per payment rail and per blockchain network. The reliable way to see the effect is to request the same payout on two networks and compare commercial_quotation, the fee fields, and receiver_amount.\"\n  - q: \"Where do I see BlindPay's fees for each network?\"\n    a: \"Call GET \u002Fv1\u002Finstances\u002F{instance_id}\u002Fbilling\u002Ffees with an owner or admin key. It returns a fee object per payment rail and per blockchain network, each with payout_flat in cents and payout_percentage in basis points, plus the payin equivalents. Every quote also discloses the exact fees for that payment before you execute it.\"\n  - q: \"Is gas included in an off-ramp quote?\"\n    a: \"No. Gas is the blockchain's own fee for moving the tokens, paid by whoever signs the transaction, usually in the chain's native token. It doesn't appear in the quote's fee lines. On most chains it is small next to the payment, but on EVM chains each payout from an external wallet also needs an approve transaction, which costs gas too.\"\n  - q: \"Is USDT or USDC cheaper to off-ramp?\"\n    a: \"It depends on the network and the payout path, so compare quotes rather than tokens. One documented case: on a BlindPay offramp wallet paying out in USD, USDT deposits convert at a flat 1:1 rate with no market spread, while USDC deposits use the live market rate. The per-chain additional fee on that offramp wallet then differs by network.\"\n  - q: \"What happens if I quote a token on a network where it isn't deployed?\"\n    a: \"The quote request fails with a 400 error that names the pair. At BlindPay, USDC payouts run on Ethereum, Polygon, Base, Arbitrum, Tempo, Arc, Stellar, and Solana, and USDT payouts run on Ethereum, Polygon, Tempo, Solana, and Tron. Development instances use USDB on testnets only.\"\n---\n\nPartly. On BlindPay, every payout quote takes a `network` and a `token`, and fees are scheduled per payment rail and per blockchain network, so the fee lines can differ by chain. The bank rail, the recipient, and the quote's window don't change. Gas sits outside the quote. To know the real difference, quote the same payout on two networks and compare.\n\nShort version: the chain mostly changes what you pay to get the stablecoins in, not how the local currency gets out.\n\n**Key takeaways**\n\n- `network` and `token` are required inputs to a payout quote. An incompatible pair fails with a 400.\n- Fees are set per rail and per network. Read your schedule from `GET \u002Fbilling\u002Ffees`, then confirm on a live quote.\n- Gas is paid on-chain by the signer and is not a quote line. EVM payouts from external wallets add an `approve` transaction.\n- Offramp wallets add a fixed per-chain fee: 15 USDT on Tron, 1 USDC on Ethereum, 0.50 USDC on Solana, zero on Polygon, Arbitrum, Base, Tempo, and Arc.\n- Compare networks on `receiver_amount` for the same request, not on token or chain reputation.\n\n## Why does a payout quote ask for a network and token?\n\nBecause the quote prices the funding leg as well as the conversion. The stablecoins have to leave a wallet on a specific chain, and BlindPay has to know which token contract to pull from and how to settle it.\n\nThe request to `POST \u002Fv1\u002Finstances\u002F{instance_id}\u002Fquotes` always carries both:\n\n```json\n{\n  \"bank_account_id\": \"ba_000000000000\",\n  \"currency_type\": \"sender\",\n  \"cover_fees\": false,\n  \"request_amount\": 1000000,\n  \"network\": \"polygon\",\n  \"token\": \"USDC\"\n}\n```\n\nFor EVM networks, the response also returns a `contract` object: the token contract address, the ABI, BlindPay's address to approve as spender, and the exact decimal-adjusted amount. Stellar and Solana don't use that allowance pattern; Stellar payouts sign an XDR transaction and Solana payouts sign a token delegation. Same quote, different signing step. The [payout quotes reference](\u002Fdocs\u002Fpayout-quotes) has every field.\n\n## Which parts of a quote can change with the network or token?\n\nSome lines can. Others are fixed by the bank side of the payment and don't care which chain the USDC came from.\n\n| Part of the payout | Can network or token change it? | Where you see it |\n| --- | --- | --- |\n| Market rate (`commercial_quotation`) | Possibly, by token; check by quoting both | Quote response |\n| BlindPay's fee lines (`flat_fee`, applied rate) | Yes, fees are scheduled per rail and per network | Quote response, `GET \u002Fbilling\u002Ffees` |\n| Partner fee (`partner_fee_amount`) | No, partner fees are set per payin and per payout | Quote response |\n| Gas | Yes, and it sits outside the quote | Your wallet's transaction |\n| Signing step | Yes: `approve` on EVM, delegation on Solana, XDR on Stellar | Payout tutorials |\n| Offramp wallet additional fee and minimum | Yes, fixed per chain | Offramp wallet docs |\n| Bank rail, recipient, arrival time | No | Bank account |\n| Quote window | No, set by quote type and rail | `expires_at` |\n\nThe rule for the first row: don't assume. Request two quotes a few seconds apart, identical except for `network` or `token`, and diff them. [Where the exchange rate gets fixed](\u002Fresources\u002Fmore\u002Fwhere-is-the-exchange-rate-set-onramp-offramp) explains which line holds which part of the price.\n\n## How do you read your fee schedule per network?\n\nCall `GET \u002Fv1\u002Finstances\u002F{instance_id}\u002Fbilling\u002Ffees` with an owner or admin key. It returns one fee object per payment rail and one per blockchain network configured for your instance.\n\nThe [billing reference](\u002Fdocs\u002Flearn\u002Fbilling) lists the rails (`ach`, `domestic_wire`, `rtp`, `international_swift`, `pix`, `pix_safe`, `ted`, `ach_colombia`, `transfers_3`, `spei`, `sepa`) and the networks (`tron`, `ethereum`, `polygon`, `base`, `arbitrum`, `stellar`, `solana`). Each object has four fields:\n\n| Field | Unit | Meaning |\n| --- | --- | --- |\n| `payout_flat` | Cents | Flat fee per payout |\n| `payout_percentage` | Basis points (`50` = 0.50%) | Percentage fee per payout |\n| `payin_flat` | Cents | Flat fee per payin |\n| `payin_percentage` | Basis points | Percentage fee per payin |\n\nBlindPay doesn't publish a flat rate card. The schedule is your instance's configuration, and every quote discloses the exact fee for that payment before you execute. Use the schedule to plan and the quote to decide. [Stablecoin off-ramp fees explained](\u002Fresources\u002Fmore\u002Fstablecoin-off-ramp-fees-explained) covers the fee types more broadly.\n\n## What does a network comparison look like?\n\n**Illustrative example.** A team pays out 10,000 USDC to a Pix account and quotes the same request on two networks. The numbers are made up for the arithmetic, not BlindPay pricing.\n\n| | Quote on network A | Quote on network B |\n| --- | --- | --- |\n| `request_amount` (sender side) | 10,000.00 USDC | 10,000.00 USDC |\n| `commercial_quotation` | 5.40 BRL per USDC | 5.40 BRL per USDC |\n| Extra network-level fee | 0.00 USDC | 1.00 USDC |\n| Effective rate | 5.373 | 5.373 |\n| `receiver_amount` | R$53,730.00 | R$53,724.63 |\n\nNetwork B delivers 1.00 x 5.373 = R$5.37 less. On one payout, noise. On 2,000 payouts a month, R$10,746 less for the same USDC. Since the market rate matched, the whole difference is fees, which is what you'd confirm in the fee fields.\n\n**Worked example with documented offramp wallet fees.** Offramp wallets, deposit addresses that pay out to a linked bank account automatically, carry a fixed additional fee per chain, per the [offramp wallet docs](\u002Fdocs\u002Fofframp-wallets):\n\n| Chain | Tokens on an offramp wallet | Minimum | Additional fee | Share of a 250 payment |\n| --- | --- | --- | --- | --- |\n| Polygon | USDC, USDT | Fees only | 0 | 0.0% |\n| Arbitrum, Base, Tempo, Arc | USDC | Fees only | 0 | 0.0% |\n| Solana | USDC | 50 USDC | 0.50 USDC | 0.2% |\n| Ethereum | USDC | Fees only | 1 USDC | 0.4% |\n| Tron | USDT | 200 USDT | 15 USDT | 6.0% |\n\nThe math: 15 ÷ 250 = 6.0% on Tron, against 0% for the same USDT on Polygon. For small recurring payouts, the chain is the biggest fee decision you make. More on the mechanism in [what an off-ramp wallet is](\u002Fresources\u002Fmore\u002Fwhat-is-an-off-ramp-wallet).\n\n## Does USDC vs USDT change the rate?\n\nIt can, depending on the path. The same docs give one concrete case: on an offramp wallet paying out in USD, USDT deposits convert at a flat 1:1 rate with no market spread, while USDC deposits use the live market rate.\n\nFor local-currency payouts, quote both tokens and compare `commercial_quotation`. Token choice is also constrained by the chain. Per [BlindPay's supported chains](\u002Fdocs\u002Fkb\u002Fsupported-chains), USDC payouts run on Ethereum, Polygon, Base, Arbitrum, Tempo, Arc, Stellar, and Solana, and USDT payouts run on Ethereum, Polygon, Tempo, Solana, and Tron. Circle lists its [USDC contract addresses](https:\u002F\u002Fdevelopers.circle.com\u002Fstablecoins\u002Fusdc-contract-addresses) per chain, and Tether lists its [supported protocols](https:\u002F\u002Ftether.to\u002Fen\u002Fsupported-protocols\u002F).\n\nMistakes surface early: a token on a chain where it isn't deployed fails at quote time with a 400 that names the pair, before any money moves. [USDC vs USDT for payments](\u002Fresources\u002Fmore\u002Fusdc-vs-usdt-for-payments) compares the tokens themselves.\n\n## Where does gas fit?\n\nOutside the quote. Gas is the chain's fee for processing your transaction, paid by whoever signs it, and it never shows up in `flat_fee` or `receiver_amount`.\n\nOn most chains you pay it in the native token: ETH on Ethereum, per [ethereum.org](https:\u002F\u002Fethereum.org\u002Fen\u002Fdevelopers\u002Fdocs\u002Fgas\u002F), SOL on Solana, per [Solana's fee docs](https:\u002F\u002Fsolana.com\u002Fdocs\u002Fcore\u002Ffees), and bandwidth or energy on Tron, per [Tron's resource model](https:\u002F\u002Fdevelopers.tron.network\u002Fdocs\u002Fresource-model). Arc uses USDC as its gas token.\n\nOn EVM payouts from an external wallet, your wallet signs an `approve` call for the quoted amount, and that transaction needs gas. Funding from a BlindPay-managed wallet skips the client-side signing, but managed wallets are in beta and custodial. [Who pays gas fees](\u002Fresources\u002Fmore\u002Fwho-pays-gas-fees-stablecoin-payments) breaks this down by flow.\n\n## Does the network change how fast the money arrives?\n\nOnly the on-chain part. The rail decides the rest. Pix and SPEI deliver in minutes whatever chain funded them, and a SEPA payout's crypto leg always runs on Polygon regardless of which network you funded from. That doesn't change your API call, but it can change the on-chain timing you observe.\n\nFinality by chain is covered in [which network to off-ramp on](\u002Fresources\u002Fmore\u002Fbest-network-to-off-ramp-stablecoins). Choose by token support first, then by the fee lines on a real quote, then by gas and finality. For how live quotes behave when the local currency moves, see [live quotes and volatile currencies](\u002Fresources\u002Fmore\u002Flive-quotes-volatile-currencies-latin-america), and the [glossary](\u002Fresources\u002Fmore\u002Fonramp-offramp-liquidity-glossary) for any term here.\n\n## What to do next\n\nPull your fee schedule from `GET \u002Fbilling\u002Ffees`, then request the same payout quote on your two most likely networks and diff `receiver_amount`. Ten minutes, and you'll know which chain to default to. The [billing reference](\u002Fdocs\u002Flearn\u002Fbilling) has the request.\n",{"title":5,"description":850},"Does the network or token change your off-ramp quote?","resources\u002Fmore\u002Fdoes-network-change-offramp-quote","2YVUV_MkZ5Gi9I3qACAh0M-7PoarlnODobMX-x9HbQo",[879,883,887,891,895,899,903,907,911,915,916,920,924,928,932,936,940,944,948,952,956,959,963,967,971,975,979,983,987,991,995,998,1002,1006,1010,1014,1018,1022,1026,1030,1034,1038,1041,1045,1049,1053,1057,1060,1064],{"path":880,"title":881,"description":882},"\u002Fresources\u002Fmore\u002Fare-stablecoin-cards-safe","Are stablecoin cards safe? Peg, issuer, custody, and smart contract risks","The five risks of a stablecoin card: peg, program failure, custody, smart contracts, and fraud, with the August 2026 incident and a safety checklist.",{"path":884,"title":885,"description":886},"\u002Fresources\u002Fmore\u002Fare-stablecoin-payments-safe","Are stablecoin payments safe? The risks businesses should check, and how to reduce them","Stablecoin payments are as safe as the issuer, the network, the provider, and your own controls. The seven risks to check, with real incidents and fixes.",{"path":888,"title":889,"description":890},"\u002Fresources\u002Fmore\u002Fbest-stablecoin-apis-cross-border-payments-2026","Best stablecoin APIs for cross-border payments in 2026: BlindPay, Circle, Stripe, Bridge, and Fireblocks compared","Five stablecoin APIs compared for cross-border payments: primary use case, pre-funding requirement, payout regions, and developer experience, plus how to choose by buyer scenario.",{"path":892,"title":893,"description":894},"\u002Fresources\u002Fmore\u002Fbest-stablecoin-apis-2026","Best stablecoin APIs in 2026: 10 providers compared","Ten stablecoin APIs compared for 2026: BlindPay, Circle, Bridge, BVNK, Fireblocks, Crossmint, Zero Hash, Conduit, Sphere, and Borderless, across rails, custody, pricing, and compliance.",{"path":896,"title":897,"description":898},"\u002Fresources\u002Fmore\u002Fbest-virtual-account-providers-stablecoins","Best virtual account providers for stablecoins in 2026: BlindPay, Bridge, HIFI, Noah, and Conduit compared","Five virtual account providers for fiat and stablecoins compared on deposit rails, settlement chains, account naming, and custody, plus a 30-day test plan.",{"path":900,"title":901,"description":902},"\u002Fresources\u002Fmore\u002Fbusiness-vs-consumer-crypto-on-ramps","Business vs consumer crypto on-ramps: what changes when a company buys stablecoins","A consumer on-ramp sells crypto to one person, usually by card. A business on-ramp turns company bank deposits into stablecoins via an API. What differs.",{"path":904,"title":905,"description":906},"\u002Fresources\u002Fmore\u002Fcrypto-debit-card-vs-stablecoin-card-for-business","Crypto debit card vs. stablecoin card for business: custody, accounting, tax, and controls compared","Why a company should treat crypto debit cards and stablecoin cards differently: budget predictability, custody risk, per-swipe tax events, accounting, and spend controls.",{"path":908,"title":909,"description":910},"\u002Fresources\u002Fmore\u002Fcustodial-vs-self-custodial-stablecoin-cards","Custodial vs. self-custodial stablecoin cards: who actually holds your money?","Who holds the stablecoins behind your card: custodial vs. self-custodial models, smart-account allowances, failure modes, and what August 2026 showed.",{"path":912,"title":913,"description":914},"\u002Fresources\u002Fmore\u002Fdo-you-need-a-crypto-wallet-for-stablecoin-payments","Do you need a crypto wallet to make stablecoin payments?","Who needs a wallet in a stablecoin payment, who doesn't, and how payment providers hide keys, networks, gas, and confirmations from payers and recipients.",{"path":872,"title":5,"description":850},{"path":917,"title":918,"description":919},"\u002Fresources\u002Fmore\u002Fhow-merchants-accept-stablecoin-payments","How merchants accept stablecoin payments: the complete 2026 guide","To accept stablecoin payments you need a receiving method, an off-ramp to local currency, and a settlement account. The full flow, costs, and options.",{"path":921,"title":922,"description":923},"\u002Fresources\u002Fmore\u002Fstablecoin-payment-orchestration-cross-border-payouts","How stablecoins fit into payment orchestration for cross-border payouts","Stablecoins are a settlement rail inside an orchestration strategy, not a replacement for banking. What changes: pre-funding, settlement time, FX visibility, and last-mile delivery over Pix and SPEI.",{"path":925,"title":926,"description":927},"\u002Fresources\u002Fmore\u002Faccept-bank-transfers-settle-in-stablecoins","How to accept bank transfers and settle in stablecoins using virtual accounts","Accept ACH, wire, and SWIFT and settle in USDC or USDT: the flow, the token, chain, and custody choices, and when a virtual account beats a memo code.",{"path":929,"title":930,"description":931},"\u002Fresources\u002Fmore\u002Fhow-to-choose-a-blockchain-payment-api","How to choose a blockchain payment API: a technical buyer's checklist","Seven checks for a blockchain payment API: SDKs, OpenAPI quality, abstraction level, networks, built-in compliance, local payout rails, and pricing.",{"path":933,"title":934,"description":935},"\u002Fresources\u002Fmore\u002Fhow-to-choose-a-stablecoin-api","How to choose a stablecoin API: the 6 questions that actually matter","Six criteria for evaluating a stablecoin API: pre-funding, compliance automation, local payout rails, settlement speed, developer experience, and pricing transparency, with a scorecard you can send to every vendor.",{"path":937,"title":938,"description":939},"\u002Fresources\u002Fmore\u002Fhow-to-evaluate-a-wallet-integration-provider","How to evaluate a wallet integration provider: 12-point checklist","A 12-point checklist for choosing a wallet or stablecoin payments provider: custody, chains, rails, pricing, compliance, SOC 2, SLAs, and AI tooling.",{"path":941,"title":942,"description":943},"\u002Fresources\u002Fmore\u002Fhow-to-fund-a-stablecoin-card","How to fund a stablecoin card: exchanges, wallet transfers, virtual accounts, and bank deposits","Four ways to fund a stablecoin card, compared by speed, cost, and control: exchange withdrawal, wallet transfer, virtual account deposit, and card top-up.",{"path":945,"title":946,"description":947},"\u002Fresources\u002Fmore\u002Fis-stripe-a-stablecoin-api","Is Stripe a stablecoin API? What a payout API, Stripe, and Bridge each do","Partly. Stripe offers stablecoin checkout and balances, and owns Bridge, a stablecoin infrastructure API. What each covers for cross-border payouts.",{"path":949,"title":950,"description":951},"\u002Fresources\u002Fmore\u002Fis-xrp-a-stablecoin","Is XRP a stablecoin? No, and here is the difference","XRP is not a stablecoin: its price floats freely with the market. Ripple's actual stablecoin is RLUSD. Here is how the two differ and why it matters.",{"path":953,"title":954,"description":955},"\u002Fresources\u002Fmore\u002Fotc-quote-vs-standard-quote","OTC quotes vs standard quotes for large BRL on-ramps: how a 10-second quote works","An OTC quote prices a large BRL to USDT on-ramp through an OTC desk, locks for 10 seconds, and lists fees as lines. When to pick it over a standard quote.",{"path":815,"title":957,"description":958},"On-ramp and off-ramp liquidity glossary: 40 terms for live quotes, spread, and settlement","Live quote, expiry, spread, slippage, basis points, depth, market maker, RFQ, pre-funding: the 40 terms behind on\u002Foff-ramp liquidity, in plain English.",{"path":960,"title":961,"description":962},"\u002Fresources\u002Fmore\u002Fonchain-liquidity-vs-offramp-liquidity","Onchain liquidity vs off-ramp liquidity: why a deep DEX pool doesn't mean a deep BRL payout","Onchain liquidity is tokens in pools. Off-ramp liquidity is local currency a provider can pay into bank accounts. Why one doesn't predict the other.",{"path":964,"title":965,"description":966},"\u002Fresources\u002Fmore\u002Fstablecoin-api-pricing-explained","Stablecoin API pricing: mint fees, spread, and what you actually pay","The basis-point figure on a stablecoin provider's pricing page rarely matches the invoice, because mint fees, burn fees, spread, and issuer fees usually live below the line the marketing page shows.",{"path":968,"title":969,"description":970},"\u002Fresources\u002Fmore\u002Fstablecoin-api-vs-crypto-payment-gateway","Stablecoin API vs crypto payment gateway: what's the difference?","A crypto payment gateway accepts crypto at checkout. A stablecoin API moves money across borders through code, and neither side needs a wallet.",{"path":972,"title":973,"description":974},"\u002Fresources\u002Fmore\u002Fstablecoin-api-vs-traditional-cross-border-rails","Stablecoin API vs traditional cross-border rails: a plain-English guide for payments teams","A stablecoin API moves money across borders using dollar-pegged tokens like USDC instead of correspondent banks. How the flow works, what no pre-funding means, and a side-by-side table against SWIFT.",{"path":976,"title":977,"description":978},"\u002Fresources\u002Fmore\u002Fstablecoin-card-vs-crypto-debit-prepaid-credit","Stablecoin card vs. crypto debit card vs. prepaid vs. credit: which type of crypto card is which?","Four kinds of crypto card compared: funding source, when conversion happens, tax timing, volatility, fees to check, and who each one suits.",{"path":980,"title":981,"description":982},"\u002Fresources\u002Fmore\u002Fstablecoin-depeg-risk-payments","Stablecoin depeg risk for payment companies: what past depegs teach and how to set limits","A depeg hurts a payment flow only while you hold the stablecoin. What USDC's 2023 depeg and UST's collapse teach, and the limits and triggers to set.",{"path":984,"title":985,"description":986},"\u002Fresources\u002Fmore\u002Fstablecoin-payments-statistics-2026","Stablecoin payment statistics 2026: volume, B2B share, and cross-border data","Sourced stablecoin payment statistics for 2026: real payment volume vs transfer volume, B2B share, domestic vs cross-border, top markets, and chains.",{"path":988,"title":989,"description":990},"\u002Fresources\u002Fmore\u002Fstablecoin-card-statistics-2026","State of stablecoin cards 2026: volume, programs, networks, and risks (data report)","Sourced stablecoin card statistics for 2026: Visa volume and programs, monthly onchain spend, average ticket, chain and token mix, and incidents.",{"path":992,"title":993,"description":994},"\u002Fresources\u002Fmore\u002Ftypes-of-stablecoin-apis","Types of stablecoin APIs: issuer, wallet, orchestration, payout, and non-custodial APIs compared","The five types of stablecoin APIs, what each one does, and who holds the funds and the compliance work in each. Plus how they differ from exchange APIs.",{"path":747,"title":996,"description":997},"USDC vs USDT for payments: which should businesses use?","USDC offers stronger reserve transparency and US regulatory posture; USDT offers deeper liquidity in emerging markets. Most payment flows should support both.",{"path":999,"title":1000,"description":1001},"\u002Fresources\u002Fmore\u002Fvirtual-account-fees","Virtual account fees: every cost between the payer's bank and the stablecoin wallet","Monthly, deposit, wire, SWIFT, conversion, and partner fees on a virtual account: who pays each one, and a worked 10,000 USD wire to USDC example.",{"path":1003,"title":1004,"description":1005},"\u002Fresources\u002Fmore\u002Fvisa-mastercard-stablecoin-settlement","Visa and Mastercard stablecoin settlement explained: what changed in 2025 and 2026","How Visa's USDC settlement and $7B run rate, Mastercard's BVNK deal, and INFINIOS in Bahrain change card settlement, and what stays the same for payouts.",{"path":1007,"title":1008,"description":1009},"\u002Fresources\u002Fmore\u002Fwallet-api-vs-embedded-wallet-sdk-vs-white-label","Wallet API vs embedded SDK vs white-label: which fits?","Compare the three wallet integration models on control, launch time, engineering effort, security, lock-in, and cost, with a five-question decision tree.",{"path":1011,"title":1012,"description":1013},"\u002Fresources\u002Fmore\u002Ftypes-of-crypto-off-ramps","What are the types of crypto off-ramps? Payment APIs, off-ramp wallets, exchanges, OTC desks, and wallet ramps compared","The five kinds of crypto off-ramp compared: who each serves, who holds funds, limits, trade-offs, consumer vs business, and why stablecoins win.",{"path":1015,"title":1016,"description":1017},"\u002Fresources\u002Fmore\u002Fwhat-happens-on-chain-in-a-stablecoin-payment","What happens on-chain in a stablecoin payment? A step-by-step walkthrough","A stablecoin payment in five steps: bank deposit, conversion to USDC or USDT, on-chain delivery to a wallet, payout authorization, and local currency out.",{"path":1019,"title":1020,"description":1021},"\u002Fresources\u002Fmore\u002Frfq-pricing-stablecoin-fx-explained","What is RFQ (request for quote) in stablecoin FX, and how does it relate to payouts?","RFQ is a pricing model where a taker asks approved liquidity providers for executable quotes and takes the best. How it works in stablecoin FX and payouts.",{"path":1023,"title":1024,"description":1025},"\u002Fresources\u002Fmore\u002Fwhat-is-usdc","What is USDC? The dollar-pegged stablecoin explained","USDC is a dollar-pegged stablecoin issued by Circle, backed 1:1 by cash and short-term Treasuries and redeemable for US dollars. How it works and where it's used.",{"path":1027,"title":1028,"description":1029},"\u002Fresources\u002Fmore\u002Fwhat-is-a-stablecoin-api","What is a stablecoin API? Infrastructure explained","A stablecoin API lets businesses move money with stablecoins through code: wallets, conversion, local payout rails, and compliance behind one integration.",{"path":1031,"title":1032,"description":1033},"\u002Fresources\u002Fmore\u002Fwhat-is-a-stablecoin-backed-card","What is a stablecoin-backed card? How spending USDC with a card works, in plain English","A stablecoin-backed card spends USDC or USDT wherever Visa or Mastercard works. The four parts behind it, who does what, and where the money comes from.",{"path":1035,"title":1036,"description":1037},"\u002Fresources\u002Fmore\u002Fwhat-is-a-stablecoin","What is a stablecoin? Definition, types, and how they work","A stablecoin is a digital token designed to hold a fixed value, usually one US dollar. Learn how they stay stable, the main types, and what they are used for.",{"path":709,"title":1039,"description":1040},"What is an off-ramp wallet? A deposit address that pays out to a bank account","An off-ramp wallet turns every USDC or USDT deposit into fiat paid to a linked bank account, with no quote or payout call. How it works, fees, minimums.",{"path":1042,"title":1043,"description":1044},"\u002Fresources\u002Fmore\u002Fwhat-is-crypto-wallet-integration","What is crypto wallet integration? A developer's guide","Crypto wallet integration adds wallets, key custody, signing, and compliance to an app. The six components, three integration models, and cost drivers.",{"path":1046,"title":1047,"description":1048},"\u002Fresources\u002Fmore\u002Fwhat-is-stablecoin-card-issuing","What is stablecoin card issuing? How it works, who uses it, and how it differs from crypto debit cards","Stablecoin card issuing explained: how a USDC or USDT balance pays a card merchant in local currency, who runs each layer, and how it differs from a crypto debit card.",{"path":1050,"title":1051,"description":1052},"\u002Fresources\u002Fmore\u002Fwhat-is-stablecoin-infrastructure","What is stablecoin infrastructure? The 8 layers of a stablecoin payments stack","Stablecoin infrastructure is the stack that issues, moves, converts, secures, and checks stablecoins. Here are its 8 layers and who provides each.",{"path":1054,"title":1055,"description":1056},"\u002Fresources\u002Fmore\u002Fstablecoin-card-demand-by-country","Where stablecoin card demand is growing: the US, India, UAE, Vietnam, Pakistan, and beyond","Which countries ask AI about stablecoin cards most, why interest is rising in India, the UAE, Vietnam, and Pakistan, and where local payouts matter.",{"path":805,"title":1058,"description":1059},"Which network should you use to off-ramp stablecoins? Finality, fees, and confirmations by chain","How Ethereum, Polygon, Base, Arbitrum, Solana, Tron, Stellar, Tempo, and Arc compare for off-ramps: time to finality, fee model, and which tokens work.",{"path":1061,"title":1062,"description":1063},"\u002Fresources\u002Fmore\u002Fbest-stablecoin-for-card-spending","Which stablecoin is best for card spending? 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