[{"data":1,"prerenderedAt":1036},["ShallowReactive",2],{"content-\u002Fresources\u002Fmore\u002Fhow-to-pay-invoices-with-stablecoins-api":3,"resources-category-how-to-pay-invoices-with-stablecoins-api":733},{"id":4,"title":5,"authors":6,"body":7,"categories":6,"category":680,"categoryType":6,"compare":6,"contributors":6,"date":681,"description":682,"extension":683,"faq":684,"howto":703,"isBlog":724,"isChangelog":724,"meta":725,"navigation":344,"path":727,"pillar":724,"products":6,"rawbody":728,"role":6,"seo":729,"seoTitle":730,"stem":731,"thumbnail":6,"updated":681,"__hash__":732},"content\u002Fresources\u002Fmore\u002Fhow-to-pay-invoices-with-stablecoins-api.md","How to pay invoices, boletos, and Pix codes with stablecoins through an API",null,{"type":8,"value":9,"toc":670},"minimark",[10,14,17,22,25,28,51,62,66,176,191,195,234,237,421,429,433,436,466,469,473,476,530,574,578,626,630,637,650,654,666],[11,12,13],"p",{},"To pay a bill from stablecoins through an API, register the bill (an invoice with the vendor's bank details, a boleto barcode, or a Pix code), request a quote for it, then execute a payout from USDC or USDT. The provider converts the stablecoins and pays the bill over the vendor's normal rail. Track the bill and the payment as two separate objects, and retry by re-quoting, never by registering twice.",[11,15,16],{},"This guide is for engineering and product teams adding bill pay or accounts payable to a stablecoin product. It covers the general pattern first, then the exact flow, with BlindPay's Payables API as the worked example.",[18,19,21],"h2",{"id":20},"why-pay-bills-from-stablecoins-instead-of-sending-a-payout","Why pay bills from stablecoins instead of sending a payout?",[11,23,24],{},"A regular stablecoin payout answers \"send this much to this account.\" A bill is different. Its amount, beneficiary, and due date are set by someone else, and for some bill types they change over time. Treating a bill as a plain payout means your code has to parse the bill, compute what's owed, and hope it didn't move.",[11,26,27],{},"A bill-pay API flips that. You register the bill, the provider resolves what it can from the payment rail, and the amount comes from the bill, not from you. That matters for three groups:",[29,30,31,39,45],"ul",{},[32,33,34,38],"li",{},[35,36,37],"strong",{},"Businesses that hold stablecoin balances"," and want to pay suppliers, rent, or taxes without converting manually first.",[32,40,41,44],{},[35,42,43],{},"Fintechs and wallets"," that want to offer \"pay a bill\" to customers who keep dollars on-chain.",[32,46,47,50],{},[35,48,49],{},"Cross-border teams"," paying Brazilian boletos or US vendor invoices from a dollar stablecoin treasury.",[11,52,53,54,61],{},"There's also a reconciliation reason. The U.S. Faster Payments Council's ",[55,56,60],"a",{"href":57,"rel":58},"https:\u002F\u002Ffasterpaymentscouncil.org\u002Fuserfiles\u002F2080\u002Ffiles\u002FCBPWG_DAWG_Stablecoins%20as%20a%20Cross-Border%20Payment%20Method2_07-22-2026%20Final.pdf",[59],"nofollow","July 2026 report"," points out that stablecoins don't carry trade information on their own, so an overlay is needed to link a payment to its invoice. A payable is that overlay: one object that ties the bill, the line items, and the payment together.",[18,63,65],{"id":64},"which-bills-can-you-pay-with-stablecoins","Which bills can you pay with stablecoins?",[67,68,69,91],"table",{},[70,71,72],"thead",{},[73,74,75,79,82,85,88],"tr",{},[76,77,78],"th",{},"Bill type",[76,80,81],{},"What you send",[76,83,84],{},"Currency",[76,86,87],{},"Paid over",[76,89,90],{},"Where the amount comes from",[92,93,94,112,129,145,161],"tbody",{},[73,95,96,100,103,106,109],{},[97,98,99],"td",{},"US vendor invoice",[97,101,102],{},"Vendor's bank details, line items, taxes, discount",[97,104,105],{},"USD",[97,107,108],{},"ACH or wire",[97,110,111],{},"Your line items, plus taxes, minus discount",[73,113,114,117,120,123,126],{},[97,115,116],{},"Boleto",[97,118,119],{},"The 47-digit linha digitável or 44-digit barcode",[97,121,122],{},"BRL",[97,124,125],{},"Boleto clearing",[97,127,128],{},"Resolved from the rail at registration, and again at quote time",[73,130,131,134,137,139,142],{},[97,132,133],{},"Utility or tax bill (arrecadação)",[97,135,136],{},"The 48-digit code or 44-digit barcode starting with 8",[97,138,122],{},[97,140,141],{},"Bill clearing",[97,143,144],{},"Encoded in the barcode, no interest",[73,146,147,150,153,155,158],{},[97,148,149],{},"Pix code with a fixed amount",[97,151,152],{},"The Pix copy-and-paste payload",[97,154,122],{},[97,156,157],{},"Pix",[97,159,160],{},"Embedded in the code",[73,162,163,166,169,171,173],{},[97,164,165],{},"Pix code without an amount",[97,167,168],{},"The Pix payload plus line items",[97,170,122],{},[97,172,157],{},[97,174,175],{},"Your line items",[11,177,178,179,184,185,190],{},"Pix is the Banco Central do Brasil's ",[55,180,183],{"href":181,"rel":182},"https:\u002F\u002Fwww.bcb.gov.br\u002Fen\u002Ffinancialstability\u002Fpix_en",[59],"instant payment system"," and runs 24\u002F7. Boletos are Brazil's bank payment slips, used for everything from supplier invoices to school fees, and they clear only on banking days. US invoices travel over ACH, governed by ",[55,186,189],{"href":187,"rel":188},"https:\u002F\u002Fwww.nacha.org\u002Fcontent\u002Fach-network",[59],"Nacha",", or by wire.",[18,192,194],{"id":193},"how-do-you-pay-a-bill-from-stablecoins-step-by-step","How do you pay a bill from stablecoins, step by step?",[196,197,198,204,210,216,222,228],"ol",{},[32,199,200,203],{},[35,201,202],{},"Verify the customer."," The business that owes the bill goes through KYB, or the individual through KYC. Nothing is registered until it's approved.",[32,205,206,209],{},[35,207,208],{},"Register the bill."," One call, whatever the type. You get back a payable ID and the resolved details: beneficiary, current amount, due date.",[32,211,212,215],{},[35,213,214],{},"Quote the payable."," Ask for a quote with the payable ID, the network, and the token. Don't send an amount. The quote prices the stablecoin side so the bill is paid in full, with the sender covering fees.",[32,217,218,221],{},[35,219,220],{},"Authorize and execute."," From an external EVM wallet, approve the ERC-20 pull for the quoted amount, then execute the payout. From a managed wallet, skip the approval.",[32,223,224,227],{},[35,225,226],{},"Track two webhook streams."," Payable events describe the bill. Payout events describe the payment attempt, including compliance holds and failure reasons.",[32,229,230,233],{},[35,231,232],{},"Reconcile and retry."," Mark the invoice paid on the payable's completion event. If an attempt fails or is refunded, the bill returns to draft: quote it again.",[11,235,236],{},"Here's an illustrative version of steps 2 and 3 on BlindPay's API, registering a boleto and quoting it:",[238,239,244],"pre",{"className":240,"code":241,"language":242,"meta":243,"style":243},"language-bash shiki shiki-themes github-light","# 2. Register the boleto\ncurl --request POST \\\n  --url https:\u002F\u002Fapi.blindpay.com\u002Fv1\u002Finstances\u002Fin_000000000000\u002Fpayables \\\n  --header 'Authorization: Bearer YOUR_API_KEY' \\\n  --header 'Content-Type: application\u002Fjson' \\\n  --data '{\n    \"customer_id\": \"re_000000000000\",\n    \"currency\": \"BRL\",\n    \"boleto_barcode\": \"34191790010104351004791020150008191070026000\"\n  }'\n\n# 3. Quote it by payable ID, with no amount\ncurl --request POST \\\n  --url https:\u002F\u002Fapi.blindpay.com\u002Fv1\u002Finstances\u002Fin_000000000000\u002Fquotes \\\n  --header 'Authorization: Bearer YOUR_API_KEY' \\\n  --header 'Content-Type: application\u002Fjson' \\\n  --data '{\n    \"payable_id\": \"pb_000000000000\",\n    \"network\": \"base\",\n    \"token\": \"USDC\"\n  }'\n","bash","",[245,246,247,256,274,285,296,306,315,321,327,333,339,346,352,363,373,382,391,398,404,410,416],"code",{"__ignoreMap":243},[248,249,252],"span",{"class":250,"line":251},"line",1,[248,253,255],{"class":254},"sAwPA","# 2. Register the boleto\n",[248,257,259,263,267,271],{"class":250,"line":258},2,[248,260,262],{"class":261},"s7eDp","curl",[248,264,266],{"class":265},"sYu0t"," --request",[248,268,270],{"class":269},"sYBdl"," POST",[248,272,273],{"class":265}," \\\n",[248,275,277,280,283],{"class":250,"line":276},3,[248,278,279],{"class":265},"  --url",[248,281,282],{"class":269}," https:\u002F\u002Fapi.blindpay.com\u002Fv1\u002Finstances\u002Fin_000000000000\u002Fpayables",[248,284,273],{"class":265},[248,286,288,291,294],{"class":250,"line":287},4,[248,289,290],{"class":265},"  --header",[248,292,293],{"class":269}," 'Authorization: Bearer YOUR_API_KEY'",[248,295,273],{"class":265},[248,297,299,301,304],{"class":250,"line":298},5,[248,300,290],{"class":265},[248,302,303],{"class":269}," 'Content-Type: application\u002Fjson'",[248,305,273],{"class":265},[248,307,309,312],{"class":250,"line":308},6,[248,310,311],{"class":265},"  --data",[248,313,314],{"class":269}," '{\n",[248,316,318],{"class":250,"line":317},7,[248,319,320],{"class":269},"    \"customer_id\": \"re_000000000000\",\n",[248,322,324],{"class":250,"line":323},8,[248,325,326],{"class":269},"    \"currency\": \"BRL\",\n",[248,328,330],{"class":250,"line":329},9,[248,331,332],{"class":269},"    \"boleto_barcode\": \"34191790010104351004791020150008191070026000\"\n",[248,334,336],{"class":250,"line":335},10,[248,337,338],{"class":269},"  }'\n",[248,340,342],{"class":250,"line":341},11,[248,343,345],{"emptyLinePlaceholder":344},true,"\n",[248,347,349],{"class":250,"line":348},12,[248,350,351],{"class":254},"# 3. Quote it by payable ID, with no amount\n",[248,353,355,357,359,361],{"class":250,"line":354},13,[248,356,262],{"class":261},[248,358,266],{"class":265},[248,360,270],{"class":269},[248,362,273],{"class":265},[248,364,366,368,371],{"class":250,"line":365},14,[248,367,279],{"class":265},[248,369,370],{"class":269}," https:\u002F\u002Fapi.blindpay.com\u002Fv1\u002Finstances\u002Fin_000000000000\u002Fquotes",[248,372,273],{"class":265},[248,374,376,378,380],{"class":250,"line":375},15,[248,377,290],{"class":265},[248,379,293],{"class":269},[248,381,273],{"class":265},[248,383,385,387,389],{"class":250,"line":384},16,[248,386,290],{"class":265},[248,388,303],{"class":269},[248,390,273],{"class":265},[248,392,394,396],{"class":250,"line":393},17,[248,395,311],{"class":265},[248,397,314],{"class":269},[248,399,401],{"class":250,"line":400},18,[248,402,403],{"class":269},"    \"payable_id\": \"pb_000000000000\",\n",[248,405,407],{"class":250,"line":406},19,[248,408,409],{"class":269},"    \"network\": \"base\",\n",[248,411,413],{"class":250,"line":412},20,[248,414,415],{"class":269},"    \"token\": \"USDC\"\n",[248,417,419],{"class":250,"line":418},21,[248,420,338],{"class":269},[11,422,423,424,428],{},"The full request and response shapes, including invoice registration with line items, are in the ",[55,425,427],{"href":426},"\u002Fdocs\u002Fpayables","Payables docs",".",[18,430,432],{"id":431},"what-makes-boletos-different","What makes boletos different?",[11,434,435],{},"Boletos are the bill type that breaks naive integrations. Four rules to build around:",[29,437,438,444,450,456],{},[32,439,440,443],{},[35,441,442],{},"The amount moves."," A boleto's amount is resolved again at quote time. Fines, interest, or a discount for paying early can change it. Quote an overdue boleto on two different days and you can get two amounts. Never pay from a cached figure.",[32,445,446,449],{},[35,447,448],{},"The quote can update the bill."," Quoting re-resolves the due date and, if it was empty, the beneficiary. A read right after quoting can show different details than registration did.",[32,451,452,455],{},[35,453,454],{},"Boletos clear in a window."," Brazilian banking days only, 06:30 to 18:30 BRT, or 14:30 BRT for bills above R$250,000. A boleto quoted outside that window is paid the next banking day.",[32,457,458,461,462,465],{},[35,459,460],{},"Late bills get rejected."," If the next available payment day falls after the due date, the quote fails with ",[245,463,464],{},"payable_boleto_would_be_overdue"," instead of paying late.",[11,467,468],{},"Pix codes and US invoices don't have these problems. Their amount is fixed at registration, and Pix runs at any hour.",[18,470,472],{"id":471},"how-do-statuses-and-webhooks-work-for-a-paid-bill","How do statuses and webhooks work for a paid bill?",[11,474,475],{},"A payable has four statuses, and they describe the bill, not the attempt:",[67,477,478,488],{},[70,479,480],{},[73,481,482,485],{},[76,483,484],{},"Status",[76,486,487],{},"Meaning",[92,489,490,500,510,520],{},[73,491,492,497],{},[97,493,494],{},[245,495,496],{},"draft",[97,498,499],{},"Registered and quotable. A failed or refunded attempt returns the bill here",[73,501,502,507],{},[97,503,504],{},[245,505,506],{},"processing",[97,508,509],{},"A payout is executing it, including during a compliance hold",[73,511,512,517],{},[97,513,514],{},[245,515,516],{},"completed",[97,518,519],{},"Paid. Terminal",[73,521,522,527],{},[97,523,524],{},[245,525,526],{},"canceled",[97,528,529],{},"A draft that was deleted. The code can be registered again",[11,531,532,533,536,537,540,541,544,545,536,548,540,551,554,555,557,558,560,561,564,565,568,569,573],{},"The payment attempt lives on the payout, with its own ",[245,534,535],{},"payout.new",", ",[245,538,539],{},"payout.update",", and ",[245,542,543],{},"payout.complete"," events. The bill emits ",[245,546,547],{},"payable.new",[245,549,550],{},"payable.update",[245,552,553],{},"payable.complete",". One paid bill produces both a ",[245,556,553],{}," and a ",[245,559,543],{},". Correlate them through ",[245,562,563],{},"payable_id"," and ",[245,566,567],{},"payout_id",", and count the payment once. ",[55,570,572],{"href":571},"\u002Fresources\u002Fmore\u002Fstablecoin-api-webhooks-reconciliation","Stablecoin API webhooks and reconciliation"," covers signature checks and deduplication.",[18,575,577],{"id":576},"what-are-the-common-mistakes","What are the common mistakes?",[29,579,580,590,599,605,614,620],{},[32,581,582,585,586,589],{},[35,583,584],{},"Registering the same code twice."," The second call fails with ",[245,587,588],{},"duplicate_payable",". To retry, quote the existing payable.",[32,591,592,595,596,428],{},[35,593,594],{},"Sending an amount with the quote."," A payable quote takes its amount from the bill. Don't send ",[245,597,598],{},"request_amount",[32,600,601,604],{},[35,602,603],{},"Letting the quote expire."," Quotes last 5 minutes. Execute promptly, or request a new quote for the same payable.",[32,606,607,610,611,428],{},[35,608,609],{},"Paying from an unsupported network."," Payables are EVM-only today. A Stellar or Solana quote is refused with ",[245,612,613],{},"payable_network_not_supported",[32,615,616,619],{},[35,617,618],{},"Forgetting the minimum."," A bill must be worth at least 10.00 USD on the paying side, and a bill near that floor can fail later if the rate moves.",[32,621,622,625],{},[35,623,624],{},"Double counting."," Booking both the payable and the payout completion as payments.",[18,627,629],{"id":628},"how-does-blindpay-handle-bill-pay","How does BlindPay handle bill pay?",[11,631,632,636],{},[55,633,635],{"href":634},"\u002Fglobal-payments","BlindPay"," launched Payables in August 2026. It pays invoices to US bank accounts over ACH or wire, boletos, utility and tax bills, and Pix codes, from USDC or USDT on EVM networks, using the same quote-and-payout flow as any other BlindPay payout. Invoice payables can attach the original PDF, and the dashboard can prefill an invoice by reading it with AI. Every bill passes the same KYC, KYB, and sanctions checks as the rest of the API.",[11,638,639,640,644,645,649],{},"To build accounts payable on top of it, the ",[55,641,643],{"href":642},"\u002Fprompts\u002Fintegrate-invoice-payables","invoice payables prompt"," gives a coding agent the full integration spec. The ",[55,646,648],{"href":647},"\u002Fdocs\u002Fkb\u002Fcut-off-times","cut-off times reference"," lists the boleto windows.",[18,651,653],{"id":652},"what-to-do-next","What to do next",[11,655,656,657,661,662,428],{},"Pick the bill type your users pay most often and run it end to end on a development instance: register it, quote it, pay it, and watch both webhook streams. Then try a failed attempt and confirm your code re-quotes instead of re-registering. For the full context on how stablecoin payments move, see ",[55,658,660],{"href":659},"\u002Fresources\u002Fmore\u002Fwhat-are-blockchain-payments","what blockchain payments are",", and for when a bill is better paid over a plain domestic rail, ",[55,663,665],{"href":664},"\u002Fresources\u002Fmore\u002Fwhen-not-to-use-blockchain-payments","when not to use blockchain payments",[667,668,669],"style",{},"html pre.shiki code .sAwPA, html code.shiki .sAwPA{--shiki-default:#6A737D}html pre.shiki code .s7eDp, html code.shiki .s7eDp{--shiki-default:#6F42C1}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":243,"searchDepth":258,"depth":258,"links":671},[672,673,674,675,676,677,678,679],{"id":20,"depth":258,"text":21},{"id":64,"depth":258,"text":65},{"id":193,"depth":258,"text":194},{"id":431,"depth":258,"text":432},{"id":471,"depth":258,"text":472},{"id":576,"depth":258,"text":577},{"id":628,"depth":258,"text":629},{"id":652,"depth":258,"text":653},"payments","2026-10-03","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.","md",[685,688,691,694,697,700],{"q":686,"a":687},"Can you pay an invoice with stablecoins if the vendor doesn't accept crypto?","Yes. A stablecoin bill-pay API converts USDC or USDT into the vendor's currency and pays the bill over a normal rail, such as ACH or wire in the US or a boleto or Pix payment in Brazil. The vendor receives an ordinary bank payment and never sees the stablecoin.",{"q":689,"a":690},"What is a payable in a payments API?","A payable is a bill you register before paying it: an invoice, a boleto, or a Pix code. Unlike a regular payout, where you choose the amount, a payable carries its own amount from the line items or from what the payment rail resolves. You pay it by quoting the payable and executing the payout.",{"q":692,"a":693},"Can a boleto amount change after you register it?","Yes. A boleto's amount is resolved again when you quote it, and it can move because of fines, interest, or an early-payment discount. Two quotes on different days can return different amounts. Always pay against a fresh quote instead of a cached figure.",{"q":695,"a":696},"When do boleto payments clear?","Boletos clear on Brazilian banking days between 06:30 and 18:30 BRT, and bills above R$250,000 must be paid by 14:30 BRT to clear the same day. A boleto quoted outside that window is paid the next banking day. Pix payments run 24\u002F7.",{"q":698,"a":699},"What happens if a stablecoin bill payment fails?","The bill goes back to a payable state and the attempt's failure reason stays on the payout. Don't register the bill again, since the same code would be rejected as a duplicate. Quote the same payable again and pay it. A refunded attempt returns the stablecoins to the funding wallet.",{"q":701,"a":702},"Which stablecoins and networks can pay a bill?","On BlindPay, payables are paid from USDC or USDT on EVM networks today, from an external wallet or a managed wallet. Code payables, such as boletos and Pix codes, are in Brazilian reais. Invoice payables to a US bank account are in US dollars over ACH or wire.",{"name":704,"steps":705},"How to pay a bill from stablecoins through an API",[706,709,712,715,718,721],{"name":707,"text":708},"Verify the customer","Onboard the business that owes the bill with KYB, or the individual with KYC, and wait for approval before registering anything.",{"name":710,"text":711},"Register the bill","Send the boleto barcode, the Pix copy-and-paste code, or the invoice with the vendor's bank details and line items. Save the payable ID it returns.",{"name":713,"text":714},"Quote the bill","Request a quote for the payable instead of an amount. The provider prices the stablecoin side so the bill is paid in full, and the quote expires in minutes.",{"name":716,"text":717},"Authorize and execute the payout","Approve the stablecoin pull from your wallet if you fund from an external wallet, then execute the payout against the quote before it expires.",{"name":719,"text":720},"Track both webhook streams","Listen for payable events for the bill's state and payout events for the payment attempt, and correlate them by ID so one paid bill isn't counted twice.",{"name":722,"text":723},"Reconcile and retry","Match each completed payable to the invoice in your books. If an attempt fails or is refunded, quote the same payable again instead of registering it twice.",false,{"author":726},"BlindPay Team","\u002Fresources\u002Fmore\u002Fhow-to-pay-invoices-with-stablecoins-api","---\ntitle: \"How to pay invoices, boletos, and Pix codes with stablecoins through an API\"\nseoTitle: \"How to pay invoices and boletos with stablecoins via API\"\ndescription: \"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.\"\ndate: \"2026-10-03\"\nupdated: \"2026-10-03\"\ncategory: \"payments\"\nauthor: \"BlindPay Team\"\nhowto:\n  name: \"How to pay a bill from stablecoins through an API\"\n  steps:\n    - name: \"Verify the customer\"\n      text: \"Onboard the business that owes the bill with KYB, or the individual with KYC, and wait for approval before registering anything.\"\n    - name: \"Register the bill\"\n      text: \"Send the boleto barcode, the Pix copy-and-paste code, or the invoice with the vendor's bank details and line items. Save the payable ID it returns.\"\n    - name: \"Quote the bill\"\n      text: \"Request a quote for the payable instead of an amount. The provider prices the stablecoin side so the bill is paid in full, and the quote expires in minutes.\"\n    - name: \"Authorize and execute the payout\"\n      text: \"Approve the stablecoin pull from your wallet if you fund from an external wallet, then execute the payout against the quote before it expires.\"\n    - name: \"Track both webhook streams\"\n      text: \"Listen for payable events for the bill's state and payout events for the payment attempt, and correlate them by ID so one paid bill isn't counted twice.\"\n    - name: \"Reconcile and retry\"\n      text: \"Match each completed payable to the invoice in your books. If an attempt fails or is refunded, quote the same payable again instead of registering it twice.\"\nfaq:\n  - q: \"Can you pay an invoice with stablecoins if the vendor doesn't accept crypto?\"\n    a: \"Yes. A stablecoin bill-pay API converts USDC or USDT into the vendor's currency and pays the bill over a normal rail, such as ACH or wire in the US or a boleto or Pix payment in Brazil. The vendor receives an ordinary bank payment and never sees the stablecoin.\"\n  - q: \"What is a payable in a payments API?\"\n    a: \"A payable is a bill you register before paying it: an invoice, a boleto, or a Pix code. Unlike a regular payout, where you choose the amount, a payable carries its own amount from the line items or from what the payment rail resolves. You pay it by quoting the payable and executing the payout.\"\n  - q: \"Can a boleto amount change after you register it?\"\n    a: \"Yes. A boleto's amount is resolved again when you quote it, and it can move because of fines, interest, or an early-payment discount. Two quotes on different days can return different amounts. Always pay against a fresh quote instead of a cached figure.\"\n  - q: \"When do boleto payments clear?\"\n    a: \"Boletos clear on Brazilian banking days between 06:30 and 18:30 BRT, and bills above R$250,000 must be paid by 14:30 BRT to clear the same day. A boleto quoted outside that window is paid the next banking day. Pix payments run 24\u002F7.\"\n  - q: \"What happens if a stablecoin bill payment fails?\"\n    a: \"The bill goes back to a payable state and the attempt's failure reason stays on the payout. Don't register the bill again, since the same code would be rejected as a duplicate. Quote the same payable again and pay it. A refunded attempt returns the stablecoins to the funding wallet.\"\n  - q: \"Which stablecoins and networks can pay a bill?\"\n    a: \"On BlindPay, payables are paid from USDC or USDT on EVM networks today, from an external wallet or a managed wallet. Code payables, such as boletos and Pix codes, are in Brazilian reais. Invoice payables to a US bank account are in US dollars over ACH or wire.\"\n---\n\nTo pay a bill from stablecoins through an API, register the bill (an invoice with the vendor's bank details, a boleto barcode, or a Pix code), request a quote for it, then execute a payout from USDC or USDT. The provider converts the stablecoins and pays the bill over the vendor's normal rail. Track the bill and the payment as two separate objects, and retry by re-quoting, never by registering twice.\n\nThis guide is for engineering and product teams adding bill pay or accounts payable to a stablecoin product. It covers the general pattern first, then the exact flow, with BlindPay's Payables API as the worked example.\n\n## Why pay bills from stablecoins instead of sending a payout?\n\nA regular stablecoin payout answers \"send this much to this account.\" A bill is different. Its amount, beneficiary, and due date are set by someone else, and for some bill types they change over time. Treating a bill as a plain payout means your code has to parse the bill, compute what's owed, and hope it didn't move.\n\nA bill-pay API flips that. You register the bill, the provider resolves what it can from the payment rail, and the amount comes from the bill, not from you. That matters for three groups:\n\n- **Businesses that hold stablecoin balances** and want to pay suppliers, rent, or taxes without converting manually first.\n- **Fintechs and wallets** that want to offer \"pay a bill\" to customers who keep dollars on-chain.\n- **Cross-border teams** paying Brazilian boletos or US vendor invoices from a dollar stablecoin treasury.\n\nThere's also a reconciliation reason. The U.S. Faster Payments Council's [July 2026 report](https:\u002F\u002Ffasterpaymentscouncil.org\u002Fuserfiles\u002F2080\u002Ffiles\u002FCBPWG_DAWG_Stablecoins%20as%20a%20Cross-Border%20Payment%20Method2_07-22-2026%20Final.pdf) points out that stablecoins don't carry trade information on their own, so an overlay is needed to link a payment to its invoice. A payable is that overlay: one object that ties the bill, the line items, and the payment together.\n\n## Which bills can you pay with stablecoins?\n\n| Bill type | What you send | Currency | Paid over | Where the amount comes from |\n| --- | --- | --- | --- | --- |\n| US vendor invoice | Vendor's bank details, line items, taxes, discount | USD | ACH or wire | Your line items, plus taxes, minus discount |\n| Boleto | The 47-digit linha digitável or 44-digit barcode | BRL | Boleto clearing | Resolved from the rail at registration, and again at quote time |\n| Utility or tax bill (arrecadação) | The 48-digit code or 44-digit barcode starting with 8 | BRL | Bill clearing | Encoded in the barcode, no interest |\n| Pix code with a fixed amount | The Pix copy-and-paste payload | BRL | Pix | Embedded in the code |\n| Pix code without an amount | The Pix payload plus line items | BRL | Pix | Your line items |\n\nPix is the Banco Central do Brasil's [instant payment system](https:\u002F\u002Fwww.bcb.gov.br\u002Fen\u002Ffinancialstability\u002Fpix_en) and runs 24\u002F7. Boletos are Brazil's bank payment slips, used for everything from supplier invoices to school fees, and they clear only on banking days. US invoices travel over ACH, governed by [Nacha](https:\u002F\u002Fwww.nacha.org\u002Fcontent\u002Fach-network), or by wire.\n\n## How do you pay a bill from stablecoins, step by step?\n\n1. **Verify the customer.** The business that owes the bill goes through KYB, or the individual through KYC. Nothing is registered until it's approved.\n2. **Register the bill.** One call, whatever the type. You get back a payable ID and the resolved details: beneficiary, current amount, due date.\n3. **Quote the payable.** Ask for a quote with the payable ID, the network, and the token. Don't send an amount. The quote prices the stablecoin side so the bill is paid in full, with the sender covering fees.\n4. **Authorize and execute.** From an external EVM wallet, approve the ERC-20 pull for the quoted amount, then execute the payout. From a managed wallet, skip the approval.\n5. **Track two webhook streams.** Payable events describe the bill. Payout events describe the payment attempt, including compliance holds and failure reasons.\n6. **Reconcile and retry.** Mark the invoice paid on the payable's completion event. If an attempt fails or is refunded, the bill returns to draft: quote it again.\n\nHere's an illustrative version of steps 2 and 3 on BlindPay's API, registering a boleto and quoting it:\n\n```bash\n# 2. Register the boleto\ncurl --request POST \\\n  --url https:\u002F\u002Fapi.blindpay.com\u002Fv1\u002Finstances\u002Fin_000000000000\u002Fpayables \\\n  --header 'Authorization: Bearer YOUR_API_KEY' \\\n  --header 'Content-Type: application\u002Fjson' \\\n  --data '{\n    \"customer_id\": \"re_000000000000\",\n    \"currency\": \"BRL\",\n    \"boleto_barcode\": \"34191790010104351004791020150008191070026000\"\n  }'\n\n# 3. Quote it by payable ID, with no amount\ncurl --request POST \\\n  --url https:\u002F\u002Fapi.blindpay.com\u002Fv1\u002Finstances\u002Fin_000000000000\u002Fquotes \\\n  --header 'Authorization: Bearer YOUR_API_KEY' \\\n  --header 'Content-Type: application\u002Fjson' \\\n  --data '{\n    \"payable_id\": \"pb_000000000000\",\n    \"network\": \"base\",\n    \"token\": \"USDC\"\n  }'\n```\n\nThe full request and response shapes, including invoice registration with line items, are in the [Payables docs](\u002Fdocs\u002Fpayables).\n\n## What makes boletos different?\n\nBoletos are the bill type that breaks naive integrations. Four rules to build around:\n\n- **The amount moves.** A boleto's amount is resolved again at quote time. Fines, interest, or a discount for paying early can change it. Quote an overdue boleto on two different days and you can get two amounts. Never pay from a cached figure.\n- **The quote can update the bill.** Quoting re-resolves the due date and, if it was empty, the beneficiary. A read right after quoting can show different details than registration did.\n- **Boletos clear in a window.** Brazilian banking days only, 06:30 to 18:30 BRT, or 14:30 BRT for bills above R$250,000. A boleto quoted outside that window is paid the next banking day.\n- **Late bills get rejected.** If the next available payment day falls after the due date, the quote fails with `payable_boleto_would_be_overdue` instead of paying late.\n\nPix codes and US invoices don't have these problems. Their amount is fixed at registration, and Pix runs at any hour.\n\n## How do statuses and webhooks work for a paid bill?\n\nA payable has four statuses, and they describe the bill, not the attempt:\n\n| Status | Meaning |\n| --- | --- |\n| `draft` | Registered and quotable. A failed or refunded attempt returns the bill here |\n| `processing` | A payout is executing it, including during a compliance hold |\n| `completed` | Paid. Terminal |\n| `canceled` | A draft that was deleted. The code can be registered again |\n\nThe payment attempt lives on the payout, with its own `payout.new`, `payout.update`, and `payout.complete` events. The bill emits `payable.new`, `payable.update`, and `payable.complete`. One paid bill produces both a `payable.complete` and a `payout.complete`. Correlate them through `payable_id` and `payout_id`, and count the payment once. [Stablecoin API webhooks and reconciliation](\u002Fresources\u002Fmore\u002Fstablecoin-api-webhooks-reconciliation) covers signature checks and deduplication.\n\n## What are the common mistakes?\n\n- **Registering the same code twice.** The second call fails with `duplicate_payable`. To retry, quote the existing payable.\n- **Sending an amount with the quote.** A payable quote takes its amount from the bill. Don't send `request_amount`.\n- **Letting the quote expire.** Quotes last 5 minutes. Execute promptly, or request a new quote for the same payable.\n- **Paying from an unsupported network.** Payables are EVM-only today. A Stellar or Solana quote is refused with `payable_network_not_supported`.\n- **Forgetting the minimum.** A bill must be worth at least 10.00 USD on the paying side, and a bill near that floor can fail later if the rate moves.\n- **Double counting.** Booking both the payable and the payout completion as payments.\n\n## How does BlindPay handle bill pay?\n\n[BlindPay](\u002Fglobal-payments) launched Payables in August 2026. It pays invoices to US bank accounts over ACH or wire, boletos, utility and tax bills, and Pix codes, from USDC or USDT on EVM networks, using the same quote-and-payout flow as any other BlindPay payout. Invoice payables can attach the original PDF, and the dashboard can prefill an invoice by reading it with AI. Every bill passes the same KYC, KYB, and sanctions checks as the rest of the API.\n\nTo build accounts payable on top of it, the [invoice payables prompt](\u002Fprompts\u002Fintegrate-invoice-payables) gives a coding agent the full integration spec. The [cut-off times reference](\u002Fdocs\u002Fkb\u002Fcut-off-times) lists the boleto windows.\n\n## What to do next\n\nPick the bill type your users pay most often and run it end to end on a development instance: register it, quote it, pay it, and watch both webhook streams. Then try a failed attempt and confirm your code re-quotes instead of re-registering. For the full context on how stablecoin payments move, see [what blockchain payments are](\u002Fresources\u002Fmore\u002Fwhat-are-blockchain-payments), and for when a bill is better paid over a plain domestic rail, [when not to use blockchain payments](\u002Fresources\u002Fmore\u002Fwhen-not-to-use-blockchain-payments).\n",{"title":5,"description":682},"How to pay invoices and boletos with stablecoins via API","resources\u002Fmore\u002Fhow-to-pay-invoices-with-stablecoins-api","XXVVQTHbvlkoLw_KjMVINrHw-u4QnJeIRyc0Ur5d5A0",[734,738,742,746,750,753,757,761,765,769,773,777,781,785,789,793,797,801,805,809,813,817,821,825,829,833,837,841,845,849,853,854,858,862,866,870,874,878,882,886,890,894,898,902,906,910,913,917,921,925,929,933,937,941,945,949,953,957,961,965,969,973,977,981,985,989,993,997,1001,1005,1009,1013,1017,1021,1024,1028,1032],{"path":735,"title":736,"description":737},"\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":739,"title":740,"description":741},"\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":743,"title":744,"description":745},"\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":747,"title":748,"description":749},"\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":659,"title":751,"description":752},"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":754,"title":755,"description":756},"\u002Fresources\u002Fmore\u002Fblockchain-payments-glossary","Blockchain payments glossary: 34 terms explained in plain English","Stablecoin, on-ramp, off-ramp, finality, gas, non-custodial, travel rule. The 34 terms of blockchain payments, each defined in one or two lines.",{"path":758,"title":759,"description":760},"\u002Fresources\u002Fmore\u002Fbuild-vs-buy-stablecoin-payments","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":762,"title":763,"description":764},"\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":766,"title":767,"description":768},"\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":770,"title":771,"description":772},"\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":774,"title":775,"description":776},"\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":778,"title":779,"description":780},"\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":782,"title":783,"description":784},"\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":786,"title":787,"description":788},"\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":790,"title":791,"description":792},"\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":794,"title":795,"description":796},"\u002Fresources\u002Fmore\u002Fhow-a-stablecoin-payment-works","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":798,"title":799,"description":800},"\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":802,"title":803,"description":804},"\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":806,"title":807,"description":808},"\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":810,"title":811,"description":812},"\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":814,"title":815,"description":816},"\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":818,"title":819,"description":820},"\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":822,"title":823,"description":824},"\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":826,"title":827,"description":828},"\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":830,"title":831,"description":832},"\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":834,"title":835,"description":836},"\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":838,"title":839,"description":840},"\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":842,"title":843,"description":844},"\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":846,"title":847,"description":848},"\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":850,"title":851,"description":852},"\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":727,"title":5,"description":682},{"path":855,"title":856,"description":857},"\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":859,"title":860,"description":861},"\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":863,"title":864,"description":865},"\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":867,"title":868,"description":869},"\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":871,"title":872,"description":873},"\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":875,"title":876,"description":877},"\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":879,"title":880,"description":881},"\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":883,"title":884,"description":885},"\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":887,"title":888,"description":889},"\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":891,"title":892,"description":893},"\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":895,"title":896,"description":897},"\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":899,"title":900,"description":901},"\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":903,"title":904,"description":905},"\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":907,"title":908,"description":909},"\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":571,"title":911,"description":912},"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":914,"title":915,"description":916},"\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":918,"title":919,"description":920},"\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":922,"title":923,"description":924},"\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":926,"title":927,"description":928},"\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":930,"title":931,"description":932},"\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":934,"title":935,"description":936},"\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":938,"title":939,"description":940},"\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":942,"title":943,"description":944},"\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":946,"title":947,"description":948},"\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":950,"title":951,"description":952},"\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":954,"title":955,"description":956},"\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":958,"title":959,"description":960},"\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":962,"title":963,"description":964},"\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":966,"title":967,"description":968},"\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":970,"title":971,"description":972},"\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":974,"title":975,"description":976},"\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":978,"title":979,"description":980},"\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":982,"title":983,"description":984},"\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":986,"title":987,"description":988},"\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":990,"title":991,"description":992},"\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":994,"title":995,"description":996},"\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":998,"title":999,"description":1000},"\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":1002,"title":1003,"description":1004},"\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":1006,"title":1007,"description":1008},"\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":1010,"title":1011,"description":1012},"\u002Fresources\u002Fmore\u002Fwhat-is-a-virtual-account","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":1014,"title":1015,"description":1016},"\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":1018,"title":1019,"description":1020},"\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":664,"title":1022,"description":1023},"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":1025,"title":1026,"description":1027},"\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":1029,"title":1030,"description":1031},"\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":1033,"title":1034,"description":1035},"\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.",1791301922634]