[{"data":1,"prerenderedAt":909},["ShallowReactive",2],{"content-\u002Fresources\u002Fmore\u002Fotc-quote-vs-standard-quote":3,"resources-category-otc-quote-vs-standard-quote":718},{"id":4,"title":5,"authors":6,"body":7,"categories":6,"category":688,"categoryType":6,"compare":6,"contributors":6,"date":689,"description":690,"extension":691,"faq":692,"howto":6,"isBlog":708,"isChangelog":708,"meta":709,"navigation":711,"path":712,"pillar":708,"products":6,"rawbody":713,"role":6,"seo":714,"seoTitle":715,"stem":716,"thumbnail":6,"updated":689,"__hash__":717},"content\u002Fresources\u002Fmore\u002Fotc-quote-vs-standard-quote.md","OTC quotes vs standard quotes for large BRL on-ramps: how a 10-second quote works",null,{"type":8,"value":9,"toc":677},"minimark",[10,14,17,23,59,64,67,78,86,90,102,239,255,259,267,270,274,277,286,289,293,296,301,318,323,337,349,353,356,362,379,385,392,396,399,465,476,592,604,608,620,629,641,657,661,668,673],[11,12,13],"p",{},"An OTC quote prices a large on-ramp through an over-the-counter desk instead of the standard rate. At BlindPay it covers BRL paid over Pix into USDT, starts at $5,000 USD equivalent, and locks for 10 seconds instead of 5 minutes. The rate equals the market rate, and fees appear as separate lines.",[11,15,16],{},"That makes it a different tool, not a premium version of the standard quote. It fits a backend that can act in seconds and a payer who will send the same day. It does not fit a confirmation screen where a person reads the number first.",[11,18,19],{},[20,21,22],"strong",{},"Key takeaways",[24,25,26,30,33,53,56],"ul",{},[27,28,29],"li",{},"OTC quotes at BlindPay: BRL over Pix in, USDT out, $5,000 USD equivalent minimum, 10-second window.",[27,31,32],{},"The 10 seconds are for accepting the price. The payer has until 23:59 Brasília time to send the Pix.",[27,34,35,36,40,41,44,45,48,49,52],{},"On an OTC quote, ",[37,38,39],"code",{},"blindpay_quotation"," equals ",[37,42,43],{},"commercial_quotation",". Fees live in ",[37,46,47],{},"flat_fee"," and ",[37,50,51],{},"partner_fee_amount",".",[27,54,55],{},"If an OTC deposit never arrives, a flat $100.00 penalty is added to the quote's billing fee.",[27,57,58],{},"Compare an OTC quote and a standard quote by the USDT received for the same reais, never by the rate alone.",[60,61,63],"h2",{"id":62},"what-is-an-otc-quote","What is an OTC quote?",[11,65,66],{},"An OTC quote is a price agreed directly between two parties for a specific size, instead of a rate taken from a screen or an exchange order book. \"Over the counter\" just means bilateral.",[11,68,69,70,77],{},"Most of the FX market already works this way. The BIS Triennial Survey, which measured ",[71,72,76],"a",{"href":73,"rel":74},"https:\u002F\u002Fwww.bis.org\u002Fpress\u002Fp250930.htm",[75],"nofollow","global FX trading at $9.6 trillion per day in April 2025",", is a survey of OTC markets: dealers quoting clients directly. An OTC desk in a ramp does the same for a block of local currency going into stablecoins. It prices the whole amount at once, which is why it exists for large tickets.",[11,79,80,81,85],{},"The wider family of off-ramp and on-ramp models, including standalone OTC desks, is compared in ",[71,82,84],{"href":83},"\u002Fresources\u002Fmore\u002Ftypes-of-crypto-off-ramps","types of crypto off-ramps",". This article is about one specific quote type inside an API.",[60,87,89],{"id":88},"how-is-a-blindpay-otc-quote-different-from-a-standard-payin-quote","How is a BlindPay OTC quote different from a standard payin quote?",[11,91,92,93,96,97,101],{},"Set ",[37,94,95],{},"is_otc: true"," on a ",[71,98,100],{"href":99},"\u002Fdocs\u002Fpayin-quotes","payin quote"," and eight things change.",[103,104,105,120],"table",{},[106,107,108],"thead",{},[109,110,111,114,117],"tr",{},[112,113],"th",{},[112,115,116],{},"Standard payin quote",[112,118,119],{},"OTC payin quote",[121,122,123,135,146,157,168,184,214,225],"tbody",{},[109,124,125,129,132],{},[126,127,128],"td",{},"Payment method",[126,130,131],{},"Any supported payin method",[126,133,134],{},"BRL over Pix",[109,136,137,140,143],{},[126,138,139],{},"Token delivered",[126,141,142],{},"USDC or USDT, by network",[126,144,145],{},"USDT",[109,147,148,151,154],{},[126,149,150],{},"Minimum",[126,152,153],{},"Per currency, R$10.00 for BRL",[126,155,156],{},"$5,000 USD equivalent",[109,158,159,162,165],{},[126,160,161],{},"Quote window",[126,163,164],{},"5 minutes",[126,166,167],{},"10 seconds",[109,169,170,173,178],{},[126,171,172],{},"Rate shown",[126,174,175,177],{},[37,176,39],{}," is net of BlindPay's fee",[126,179,180,40,182],{},[37,181,39],{},[37,183,43],{},[109,185,186,189,198],{},[126,187,188],{},"Fee setting",[126,190,191,192,48,195],{},"Any ",[37,193,194],{},"currency_type",[37,196,197],{},"cover_fees",[126,199,200,203,204,207,208,203,211],{},[37,201,202],{},"sender"," with ",[37,205,206],{},"cover_fees: false",", or ",[37,209,210],{},"receiver",[37,212,213],{},"cover_fees: true",[109,215,216,219,222],{},[126,217,218],{},"Pix deposit wait",[126,220,221],{},"Up to 30 minutes, with a reconciliation check",[126,223,224],{},"Until 23:59 Brasília time",[109,226,227,230,236],{},[126,228,229],{},"Deposit never arrives",[126,231,232,233],{},"Payin marked ",[37,234,235],{},"failed",[126,237,238],{},"Payin fails, plus a flat $100.00 penalty",[11,240,241,242,245,246,250,251,52],{},"Anything outside the OTC scope fails with ",[37,243,244],{},"QUOTES_OTC_NOT_SUPPORTED",". The deposit windows come from the ",[71,247,249],{"href":248},"\u002Fdocs\u002Fpayins","payins reference"," and the ",[71,252,254],{"href":253},"\u002Fdocs\u002Fkb\u002Fcut-off-times","cut-off times reference",[60,256,258],{"id":257},"why-does-an-otc-quote-last-only-10-seconds","Why does an OTC quote last only 10 seconds?",[11,260,261,262,266],{},"Because the desk carries the market move for a large block while the price stands. The longer the window, the more the rate can drift, and a big ticket turns a small drift into real money. ",[71,263,265],{"href":264},"\u002Fresources\u002Fmore\u002Fwho-carries-fx-risk-stablecoin-payout","Who carries FX risk in a stablecoin payout"," works through the math: at 1% daily volatility, a 5-minute window carries about 6 bps of typical move, a 10-second window about 1 bp.",[11,268,269],{},"Ten seconds is a machine window, not a human one. Network latency, a page render, and a person reading the number would use most of it. So the design assumption is that your server requests the quote and creates the payin in the same request handler.",[60,271,273],{"id":272},"why-does-the-payer-get-until-2359-when-the-quote-lasts-10-seconds","Why does the payer get until 23:59 when the quote lasts 10 seconds?",[11,275,276],{},"Because there are two clocks. The quote window is the time you have to accept the price by creating the payin. The deposit window is the time the payer has to send the Pix.",[11,278,279,280,285],{},"For OTC Pix payins, BlindPay waits for the deposit until 23:59 Brasília time (America\u002FSao_Paulo) on the same day, or the next day if the quote was created after that time. The Pix code's own expiration is set to that same cutoff. Pix itself runs ",[71,281,284],{"href":282,"rel":283},"https:\u002F\u002Fwww.bcb.gov.br\u002Fen\u002Ffinancialstability\u002Fpix_en",[75],"24 hours a day, every day",", so the payer can send any time before the cutoff.",[11,287,288],{},"The $100.00 penalty is the other half of that deal. A large price was held for most of a day. If the money never comes, the party that did not send pays for the held price.",[60,290,292],{"id":291},"when-should-you-use-an-otc-quote-instead-of-a-standard-one","When should you use an OTC quote instead of a standard one?",[11,294,295],{},"Use the decision rule below. Every condition in the first list should be true.",[11,297,298],{},[20,299,300],{},"Use an OTC quote when:",[24,302,303,306,309,312,315],{},[27,304,305],{},"The payer sends BRL over Pix and you want USDT delivered.",[27,307,308],{},"The deposit is $5,000 USD equivalent or more.",[27,310,311],{},"Your backend can create the payin within 10 seconds of the quote, with no human step in between.",[27,313,314],{},"The payer will reliably send the full amount the same day.",[27,316,317],{},"You prefer the fee as its own line rather than inside the rate.",[11,319,320],{},[20,321,322],{},"Use a standard quote when:",[24,324,325,328,331,334],{},[27,326,327],{},"You need USDC, or the payer uses SPEI, Transfers 3.0, PSE, ACH, or another rail.",[27,329,330],{},"The deposit is under $5,000 equivalent.",[27,332,333],{},"A person needs to review the amount before confirming. Five minutes covers that; ten seconds does not.",[27,335,336],{},"The payer's timing is uncertain, and a $100.00 penalty for a no-show is not acceptable.",[11,338,339,343,344,348],{},[71,340,342],{"href":341},"\u002Fresources\u002Fmore\u002Fusdc-vs-usdt-for-payments","USDC vs USDT for payments"," covers the token choice, and ",[71,345,347],{"href":346},"\u002Fresources\u002Fmore\u002Fhow-to-on-ramp-local-currency-latin-america","how to on-ramp BRL, MXN, ARS, and COP"," covers the standard quote for each local rail.",[60,350,352],{"id":351},"how-do-you-compare-an-otc-quote-with-a-standard-quote","How do you compare an OTC quote with a standard quote?",[11,354,355],{},"By the stablecoin amount received for the same reais. The rates are not comparable, because one includes the fee and the other does not.",[11,357,358,361],{},[20,359,360],{},"Illustrative example."," A payer sends R$100,000. The market rate is 5.40 BRL per USDT.",[24,363,364,373],{},[27,365,366,369,370,372],{},[20,367,368],{},"Standard quote:"," the fee is inside the rate. Say ",[37,371,39],{}," is 5.4270, a 0.5% margin. The wallet receives 100,000 \u002F 5.4270 = 18,426.39 USDT.",[27,374,375,378],{},[20,376,377],{},"OTC quote:"," the rate is the market rate, 5.40. Gross: 100,000 \u002F 5.40 = 18,518.52 USDT, minus the fee lines.",[11,380,381,382,52],{},"Break-even: 18,518.52 - 18,426.39 = 92.13 USDT. With fee lines below about 92.13 USDT, the OTC quote delivers more; above it, the standard quote does. Every number here is illustrative. Pull both quotes at the same moment and compare ",[37,383,384],{},"receiver_amount",[11,386,387,391],{},[71,388,390],{"href":389},"\u002Fresources\u002Fmore\u002Fcrypto-on-ramp-fees-explained","Crypto on-ramp fees explained"," covers how to read each fee line on a payin quote.",[60,393,395],{"id":394},"how-do-you-build-for-a-10-second-window","How do you build for a 10-second window?",[11,397,398],{},"Do everything that needs a person before you request the quote.",[400,401,402,408,413,427,437,443],"ol",{},[27,403,404,407],{},[20,405,406],{},"Collect the amount and payer details first."," Validate the payer, the amount, and the destination wallet before pricing anything.",[27,409,410],{},[20,411,412],{},"Request the OTC quote server-side.",[27,414,415,418,419,422,423,426],{},[20,416,417],{},"Create the payin immediately."," Call ",[37,420,421],{},"POST \u002Fv1\u002Finstances\u002F{instance_id}\u002Fpayins\u002Fevm"," with the quote's id as ",[37,424,425],{},"payin_quote_id",", in the same handler. The path name is historical and covers Pix too.",[27,428,429,432,433,436],{},[20,430,431],{},"Show the Pix code."," The payin response carries ",[37,434,435],{},"pix_code",", as copyable text or a QR code.",[27,438,439,442],{},[20,440,441],{},"Re-quote on a miss."," If creating the payin fails because the quote expired, request a new quote. Never retry with the old id.",[27,444,445,448,449,452,453,456,457,460,461,52],{},[20,446,447],{},"Track the deposit by webhook."," ",[37,450,451],{},"payin.new",", ",[37,454,455],{},"payin.update",", and ",[37,458,459],{},"payin.complete"," are listed in the ",[71,462,464],{"href":463},"\u002Fdocs\u002Flearn\u002Fwebhooks-events","webhook events reference",[11,466,467,468,471,472,475],{},"The quote request looks like this, with ",[37,469,470],{},"request_amount"," in minor units, so R$100,000.00 is ",[37,473,474],{},"10000000",":",[477,478,483],"pre",{"className":479,"code":480,"language":481,"meta":482,"style":482},"language-json shiki shiki-themes github-light","{\n  \"blockchain_wallet_id\": \"bw_000000000000\",\n  \"currency_type\": \"sender\",\n  \"cover_fees\": false,\n  \"request_amount\": 10000000,\n  \"payment_method\": \"pix\",\n  \"token\": \"USDT\",\n  \"is_otc\": true\n}\n","json","",[37,484,485,494,511,524,537,549,562,575,586],{"__ignoreMap":482},[486,487,490],"span",{"class":488,"line":489},"line",1,[486,491,493],{"class":492},"sgsFI","{\n",[486,495,497,501,504,508],{"class":488,"line":496},2,[486,498,500],{"class":499},"sYu0t","  \"blockchain_wallet_id\"",[486,502,503],{"class":492},": ",[486,505,507],{"class":506},"sYBdl","\"bw_000000000000\"",[486,509,510],{"class":492},",\n",[486,512,514,517,519,522],{"class":488,"line":513},3,[486,515,516],{"class":499},"  \"currency_type\"",[486,518,503],{"class":492},[486,520,521],{"class":506},"\"sender\"",[486,523,510],{"class":492},[486,525,527,530,532,535],{"class":488,"line":526},4,[486,528,529],{"class":499},"  \"cover_fees\"",[486,531,503],{"class":492},[486,533,534],{"class":499},"false",[486,536,510],{"class":492},[486,538,540,543,545,547],{"class":488,"line":539},5,[486,541,542],{"class":499},"  \"request_amount\"",[486,544,503],{"class":492},[486,546,474],{"class":499},[486,548,510],{"class":492},[486,550,552,555,557,560],{"class":488,"line":551},6,[486,553,554],{"class":499},"  \"payment_method\"",[486,556,503],{"class":492},[486,558,559],{"class":506},"\"pix\"",[486,561,510],{"class":492},[486,563,565,568,570,573],{"class":488,"line":564},7,[486,566,567],{"class":499},"  \"token\"",[486,569,503],{"class":492},[486,571,572],{"class":506},"\"USDT\"",[486,574,510],{"class":492},[486,576,578,581,583],{"class":488,"line":577},8,[486,579,580],{"class":499},"  \"is_otc\"",[486,582,503],{"class":492},[486,584,585],{"class":499},"true\n",[486,587,589],{"class":488,"line":588},9,[486,590,591],{"class":492},"}\n",[11,593,594,595,599,600,52],{},"Two more checks before you go live. First, limits: the maximum on any payin quote is the receiver's per-transaction limit, $10,000 to $50,000 by KYC tier by default, raised through a ",[71,596,598],{"href":597},"\u002Fdocs\u002Flearn\u002Flimit-increase","limit increase",". Second, the payer's own bank applies its own Pix limits, so confirm a large payer can send the full amount in one transfer. Failed and late deposits are covered in ",[71,601,603],{"href":602},"\u002Fresources\u002Fmore\u002Fwhy-crypto-on-ramp-deposits-fail","why crypto on-ramp deposits fail",[60,605,607],{"id":606},"is-an-otc-quote-binding","Is an OTC quote binding?",[11,609,610,611,614,615,619],{},"Inside its window, yes: you accept it by creating the payin before ",[37,612,613],{},"expires_at",". That is the opposite of an indicative price, which only previews a rate. ",[71,616,618],{"href":617},"\u002Fresources\u002Fmore\u002Findicative-rate-vs-binding-quote-api","Indicative rate vs binding quote"," explains when to show each one.",[11,621,622,623,628],{},"Wholesale FX has rules for this distinction. The ",[71,624,627],{"href":625,"rel":626},"https:\u002F\u002Fwww.globalfxc.org\u002Ffx_global_code.htm",[75],"FX Global Code"," asks market participants to make clear whether the prices they provide are firm or merely indicative, and to disclose practices such as last look. Ask any OTC provider the same question in writing: once I accept inside the window, can you still reject or reprice?",[11,630,631,632,636,637,52],{},"For depth at large sizes on the payout side, run the ",[71,633,635],{"href":634},"\u002Fresources\u002Fmore\u002Ftest-offramp-liquidity-depth","quote-ladder test",". The terms used here are defined in the ",[71,638,640],{"href":639},"\u002Fresources\u002Fmore\u002Fonramp-offramp-liquidity-glossary","on\u002Foff-ramp liquidity glossary",[11,642,643],{},[644,645,646,647,452,650,456,653,656],"em",{},"How we know: OTC scope, windows, cutoffs, and the penalty come from BlindPay's ",[71,648,649],{"href":99},"payin quotes",[71,651,652],{"href":248},"payins",[71,654,655],{"href":253},"cut-off times"," documentation.",[60,658,660],{"id":659},"what-to-do-next","What to do next",[11,662,663,664,667],{},"If your BRL deposits regularly clear $5,000, read the OTC section of the ",[71,665,666],{"href":99},"payin quotes docs"," and wire the quote and payin calls into one server handler before testing a live Pix.",[11,669,670],{},[644,671,672],{},"This article is general information, not legal, tax, or financial advice.",[674,675,676],"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":482,"searchDepth":496,"depth":496,"links":678},[679,680,681,682,683,684,685,686,687],{"id":62,"depth":496,"text":63},{"id":88,"depth":496,"text":89},{"id":257,"depth":496,"text":258},{"id":272,"depth":496,"text":273},{"id":291,"depth":496,"text":292},{"id":351,"depth":496,"text":352},{"id":394,"depth":496,"text":395},{"id":606,"depth":496,"text":607},{"id":659,"depth":496,"text":660},"stablecoins","2026-10-01","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.","md",[693,696,699,702,705],{"q":694,"a":695},"What is an OTC quote in a crypto on-ramp?","An OTC (over-the-counter) quote is a price for a large conversion set directly by a trading desk rather than taken from the standard rate. In an on-ramp it prices a block of local currency into stablecoins at one rate for the whole amount. At BlindPay, OTC quotes cover BRL paid over Pix into USDT, from $5,000 USD equivalent.",{"q":697,"a":698},"How long does a BlindPay OTC quote last?","Ten seconds, compared with 5 minutes for a standard payin quote. The short window is for accepting the price: your backend creates the payin from the quote inside those 10 seconds. The payer then has until 23:59 Brasília time to send the Pix, or until the next day's cutoff if the quote was created after 23:59.",{"q":700,"a":701},"What is the minimum amount for an OTC quote?","At BlindPay, $5,000 USD equivalent. Below that, the quote fails with PAYOUTS_AMOUNT_BELOW_MINIMUM and you use a standard payin quote instead. The receiver's per-transaction limit still applies on top, which defaults to $10,000 to $50,000 depending on the KYC tier and can be raised through a limit increase request.",{"q":703,"a":704},"Why is the rate on an OTC quote equal to the market rate?","Because fees are not built into the exchange rate on an OTC quote. On a BlindPay OTC quote, blindpay_quotation equals commercial_quotation, and the fees show up in flat_fee and partner_fee_amount instead. On a standard quote, blindpay_quotation is the rate net of BlindPay's fee. Compare the two by the stablecoin amount received, not by the rate.",{"q":706,"a":707},"What happens if the payer never sends the Pix on an OTC quote?","BlindPay waits for the deposit until the 23:59 Brasília time cutoff, which is also when the Pix code expires. If the deposit never arrives, the payin fails and a flat $100.00 penalty is added to the quote's billing fee. A standard Pix payin waits up to 30 minutes, with a reconciliation check, before it is marked failed.",false,{"author":710},"BlindPay Team",true,"\u002Fresources\u002Fmore\u002Fotc-quote-vs-standard-quote","---\ntitle: \"OTC quotes vs standard quotes for large BRL on-ramps: how a 10-second quote works\"\nseoTitle: \"OTC vs standard quotes for large BRL on-ramps\"\ndescription: \"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.\"\ndate: \"2026-10-01\"\nupdated: \"2026-10-01\"\ncategory: \"stablecoins\"\nauthor: \"BlindPay Team\"\nfaq:\n  - q: \"What is an OTC quote in a crypto on-ramp?\"\n    a: \"An OTC (over-the-counter) quote is a price for a large conversion set directly by a trading desk rather than taken from the standard rate. In an on-ramp it prices a block of local currency into stablecoins at one rate for the whole amount. At BlindPay, OTC quotes cover BRL paid over Pix into USDT, from $5,000 USD equivalent.\"\n  - q: \"How long does a BlindPay OTC quote last?\"\n    a: \"Ten seconds, compared with 5 minutes for a standard payin quote. The short window is for accepting the price: your backend creates the payin from the quote inside those 10 seconds. The payer then has until 23:59 Brasília time to send the Pix, or until the next day's cutoff if the quote was created after 23:59.\"\n  - q: \"What is the minimum amount for an OTC quote?\"\n    a: \"At BlindPay, $5,000 USD equivalent. Below that, the quote fails with PAYOUTS_AMOUNT_BELOW_MINIMUM and you use a standard payin quote instead. The receiver's per-transaction limit still applies on top, which defaults to $10,000 to $50,000 depending on the KYC tier and can be raised through a limit increase request.\"\n  - q: \"Why is the rate on an OTC quote equal to the market rate?\"\n    a: \"Because fees are not built into the exchange rate on an OTC quote. On a BlindPay OTC quote, blindpay_quotation equals commercial_quotation, and the fees show up in flat_fee and partner_fee_amount instead. On a standard quote, blindpay_quotation is the rate net of BlindPay's fee. Compare the two by the stablecoin amount received, not by the rate.\"\n  - q: \"What happens if the payer never sends the Pix on an OTC quote?\"\n    a: \"BlindPay waits for the deposit until the 23:59 Brasília time cutoff, which is also when the Pix code expires. If the deposit never arrives, the payin fails and a flat $100.00 penalty is added to the quote's billing fee. A standard Pix payin waits up to 30 minutes, with a reconciliation check, before it is marked failed.\"\n---\n\nAn OTC quote prices a large on-ramp through an over-the-counter desk instead of the standard rate. At BlindPay it covers BRL paid over Pix into USDT, starts at $5,000 USD equivalent, and locks for 10 seconds instead of 5 minutes. The rate equals the market rate, and fees appear as separate lines.\n\nThat makes it a different tool, not a premium version of the standard quote. It fits a backend that can act in seconds and a payer who will send the same day. It does not fit a confirmation screen where a person reads the number first.\n\n**Key takeaways**\n\n- OTC quotes at BlindPay: BRL over Pix in, USDT out, $5,000 USD equivalent minimum, 10-second window.\n- The 10 seconds are for accepting the price. The payer has until 23:59 Brasília time to send the Pix.\n- On an OTC quote, `blindpay_quotation` equals `commercial_quotation`. Fees live in `flat_fee` and `partner_fee_amount`.\n- If an OTC deposit never arrives, a flat $100.00 penalty is added to the quote's billing fee.\n- Compare an OTC quote and a standard quote by the USDT received for the same reais, never by the rate alone.\n\n## What is an OTC quote?\n\nAn OTC quote is a price agreed directly between two parties for a specific size, instead of a rate taken from a screen or an exchange order book. \"Over the counter\" just means bilateral.\n\nMost of the FX market already works this way. The BIS Triennial Survey, which measured [global FX trading at $9.6 trillion per day in April 2025](https:\u002F\u002Fwww.bis.org\u002Fpress\u002Fp250930.htm), is a survey of OTC markets: dealers quoting clients directly. An OTC desk in a ramp does the same for a block of local currency going into stablecoins. It prices the whole amount at once, which is why it exists for large tickets.\n\nThe wider family of off-ramp and on-ramp models, including standalone OTC desks, is compared in [types of crypto off-ramps](\u002Fresources\u002Fmore\u002Ftypes-of-crypto-off-ramps). This article is about one specific quote type inside an API.\n\n## How is a BlindPay OTC quote different from a standard payin quote?\n\nSet `is_otc: true` on a [payin quote](\u002Fdocs\u002Fpayin-quotes) and eight things change.\n\n| | Standard payin quote | OTC payin quote |\n| --- | --- | --- |\n| Payment method | Any supported payin method | BRL over Pix |\n| Token delivered | USDC or USDT, by network | USDT |\n| Minimum | Per currency, R$10.00 for BRL | $5,000 USD equivalent |\n| Quote window | 5 minutes | 10 seconds |\n| Rate shown | `blindpay_quotation` is net of BlindPay's fee | `blindpay_quotation` equals `commercial_quotation` |\n| Fee setting | Any `currency_type` and `cover_fees` | `sender` with `cover_fees: false`, or `receiver` with `cover_fees: true` |\n| Pix deposit wait | Up to 30 minutes, with a reconciliation check | Until 23:59 Brasília time |\n| Deposit never arrives | Payin marked `failed` | Payin fails, plus a flat $100.00 penalty |\n\nAnything outside the OTC scope fails with `QUOTES_OTC_NOT_SUPPORTED`. The deposit windows come from the [payins reference](\u002Fdocs\u002Fpayins) and the [cut-off times reference](\u002Fdocs\u002Fkb\u002Fcut-off-times).\n\n## Why does an OTC quote last only 10 seconds?\n\nBecause the desk carries the market move for a large block while the price stands. The longer the window, the more the rate can drift, and a big ticket turns a small drift into real money. [Who carries FX risk in a stablecoin payout](\u002Fresources\u002Fmore\u002Fwho-carries-fx-risk-stablecoin-payout) works through the math: at 1% daily volatility, a 5-minute window carries about 6 bps of typical move, a 10-second window about 1 bp.\n\nTen seconds is a machine window, not a human one. Network latency, a page render, and a person reading the number would use most of it. So the design assumption is that your server requests the quote and creates the payin in the same request handler.\n\n## Why does the payer get until 23:59 when the quote lasts 10 seconds?\n\nBecause there are two clocks. The quote window is the time you have to accept the price by creating the payin. The deposit window is the time the payer has to send the Pix.\n\nFor OTC Pix payins, BlindPay waits for the deposit until 23:59 Brasília time (America\u002FSao_Paulo) on the same day, or the next day if the quote was created after that time. The Pix code's own expiration is set to that same cutoff. Pix itself runs [24 hours a day, every day](https:\u002F\u002Fwww.bcb.gov.br\u002Fen\u002Ffinancialstability\u002Fpix_en), so the payer can send any time before the cutoff.\n\nThe $100.00 penalty is the other half of that deal. A large price was held for most of a day. If the money never comes, the party that did not send pays for the held price.\n\n## When should you use an OTC quote instead of a standard one?\n\nUse the decision rule below. Every condition in the first list should be true.\n\n**Use an OTC quote when:**\n\n- The payer sends BRL over Pix and you want USDT delivered.\n- The deposit is $5,000 USD equivalent or more.\n- Your backend can create the payin within 10 seconds of the quote, with no human step in between.\n- The payer will reliably send the full amount the same day.\n- You prefer the fee as its own line rather than inside the rate.\n\n**Use a standard quote when:**\n\n- You need USDC, or the payer uses SPEI, Transfers 3.0, PSE, ACH, or another rail.\n- The deposit is under $5,000 equivalent.\n- A person needs to review the amount before confirming. Five minutes covers that; ten seconds does not.\n- The payer's timing is uncertain, and a $100.00 penalty for a no-show is not acceptable.\n\n[USDC vs USDT for payments](\u002Fresources\u002Fmore\u002Fusdc-vs-usdt-for-payments) covers the token choice, and [how to on-ramp BRL, MXN, ARS, and COP](\u002Fresources\u002Fmore\u002Fhow-to-on-ramp-local-currency-latin-america) covers the standard quote for each local rail.\n\n## How do you compare an OTC quote with a standard quote?\n\nBy the stablecoin amount received for the same reais. The rates are not comparable, because one includes the fee and the other does not.\n\n**Illustrative example.** A payer sends R$100,000. The market rate is 5.40 BRL per USDT.\n\n- **Standard quote:** the fee is inside the rate. Say `blindpay_quotation` is 5.4270, a 0.5% margin. The wallet receives 100,000 \u002F 5.4270 = 18,426.39 USDT.\n- **OTC quote:** the rate is the market rate, 5.40. Gross: 100,000 \u002F 5.40 = 18,518.52 USDT, minus the fee lines.\n\nBreak-even: 18,518.52 - 18,426.39 = 92.13 USDT. With fee lines below about 92.13 USDT, the OTC quote delivers more; above it, the standard quote does. Every number here is illustrative. Pull both quotes at the same moment and compare `receiver_amount`.\n\n[Crypto on-ramp fees explained](\u002Fresources\u002Fmore\u002Fcrypto-on-ramp-fees-explained) covers how to read each fee line on a payin quote.\n\n## How do you build for a 10-second window?\n\nDo everything that needs a person before you request the quote.\n\n1. **Collect the amount and payer details first.** Validate the payer, the amount, and the destination wallet before pricing anything.\n2. **Request the OTC quote server-side.**\n3. **Create the payin immediately.** Call `POST \u002Fv1\u002Finstances\u002F{instance_id}\u002Fpayins\u002Fevm` with the quote's id as `payin_quote_id`, in the same handler. The path name is historical and covers Pix too.\n4. **Show the Pix code.** The payin response carries `pix_code`, as copyable text or a QR code.\n5. **Re-quote on a miss.** If creating the payin fails because the quote expired, request a new quote. Never retry with the old id.\n6. **Track the deposit by webhook.** `payin.new`, `payin.update`, and `payin.complete` are listed in the [webhook events reference](\u002Fdocs\u002Flearn\u002Fwebhooks-events).\n\nThe quote request looks like this, with `request_amount` in minor units, so R$100,000.00 is `10000000`:\n\n```json\n{\n  \"blockchain_wallet_id\": \"bw_000000000000\",\n  \"currency_type\": \"sender\",\n  \"cover_fees\": false,\n  \"request_amount\": 10000000,\n  \"payment_method\": \"pix\",\n  \"token\": \"USDT\",\n  \"is_otc\": true\n}\n```\n\nTwo more checks before you go live. First, limits: the maximum on any payin quote is the receiver's per-transaction limit, $10,000 to $50,000 by KYC tier by default, raised through a [limit increase](\u002Fdocs\u002Flearn\u002Flimit-increase). Second, the payer's own bank applies its own Pix limits, so confirm a large payer can send the full amount in one transfer. Failed and late deposits are covered in [why crypto on-ramp deposits fail](\u002Fresources\u002Fmore\u002Fwhy-crypto-on-ramp-deposits-fail).\n\n## Is an OTC quote binding?\n\nInside its window, yes: you accept it by creating the payin before `expires_at`. That is the opposite of an indicative price, which only previews a rate. [Indicative rate vs binding quote](\u002Fresources\u002Fmore\u002Findicative-rate-vs-binding-quote-api) explains when to show each one.\n\nWholesale FX has rules for this distinction. The [FX Global Code](https:\u002F\u002Fwww.globalfxc.org\u002Ffx_global_code.htm) asks market participants to make clear whether the prices they provide are firm or merely indicative, and to disclose practices such as last look. Ask any OTC provider the same question in writing: once I accept inside the window, can you still reject or reprice?\n\nFor depth at large sizes on the payout side, run the [quote-ladder test](\u002Fresources\u002Fmore\u002Ftest-offramp-liquidity-depth). The terms used here are defined in the [on\u002Foff-ramp liquidity glossary](\u002Fresources\u002Fmore\u002Fonramp-offramp-liquidity-glossary).\n\n*How we know: OTC scope, windows, cutoffs, and the penalty come from BlindPay's [payin quotes](\u002Fdocs\u002Fpayin-quotes), [payins](\u002Fdocs\u002Fpayins), and [cut-off times](\u002Fdocs\u002Fkb\u002Fcut-off-times) documentation.*\n\n## What to do next\n\nIf your BRL deposits regularly clear $5,000, read the OTC section of the [payin quotes docs](\u002Fdocs\u002Fpayin-quotes) and wire the quote and payin calls into one server handler before testing a live Pix.\n\n*This article is general information, not legal, tax, or financial advice.*\n",{"title":5,"description":690},"OTC vs standard quotes for large BRL on-ramps","resources\u002Fmore\u002Fotc-quote-vs-standard-quote","-XsObtRK5dSJmmC6SI_tATJWu4HEFZ-XBduhEpUhuFs",[719,723,727,731,735,739,743,747,751,755,759,763,767,771,775,779,783,787,791,795,796,799,803,807,811,815,819,823,827,831,835,838,842,846,850,853,857,861,865,869,873,877,881,885,889,893,897,901,905],{"path":720,"title":721,"description":722},"\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":724,"title":725,"description":726},"\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":728,"title":729,"description":730},"\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":732,"title":733,"description":734},"\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":736,"title":737,"description":738},"\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":740,"title":741,"description":742},"\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":744,"title":745,"description":746},"\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":748,"title":749,"description":750},"\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":752,"title":753,"description":754},"\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":756,"title":757,"description":758},"\u002Fresources\u002Fmore\u002Fdoes-network-change-offramp-quote","Does the blockchain network change your off-ramp quote? What moves and what doesn't","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.",{"path":760,"title":761,"description":762},"\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":764,"title":765,"description":766},"\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":768,"title":769,"description":770},"\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":772,"title":773,"description":774},"\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":776,"title":777,"description":778},"\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":780,"title":781,"description":782},"\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":784,"title":785,"description":786},"\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":788,"title":789,"description":790},"\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":792,"title":793,"description":794},"\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":712,"title":5,"description":690},{"path":639,"title":797,"description":798},"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":800,"title":801,"description":802},"\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":804,"title":805,"description":806},"\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":808,"title":809,"description":810},"\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":812,"title":813,"description":814},"\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":816,"title":817,"description":818},"\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":820,"title":821,"description":822},"\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":824,"title":825,"description":826},"\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":828,"title":829,"description":830},"\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":832,"title":833,"description":834},"\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":341,"title":836,"description":837},"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":839,"title":840,"description":841},"\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":843,"title":844,"description":845},"\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":847,"title":848,"description":849},"\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":83,"title":851,"description":852},"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":854,"title":855,"description":856},"\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":858,"title":859,"description":860},"\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":862,"title":863,"description":864},"\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":866,"title":867,"description":868},"\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":870,"title":871,"description":872},"\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":874,"title":875,"description":876},"\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":878,"title":879,"description":880},"\u002Fresources\u002Fmore\u002Fwhat-is-an-off-ramp-wallet","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":882,"title":883,"description":884},"\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":886,"title":887,"description":888},"\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":890,"title":891,"description":892},"\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":894,"title":895,"description":896},"\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":898,"title":899,"description":900},"\u002Fresources\u002Fmore\u002Fbest-network-to-off-ramp-stablecoins","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":902,"title":903,"description":904},"\u002Fresources\u002Fmore\u002Fbest-stablecoin-for-card-spending","Which stablecoin is best for card spending? USDC vs USDT vs euro stablecoins","Which stablecoins power crypto cards in 2026: USDC vs USDT vs euro stablecoins and synthetic dollars, compared on reserves, rules, chains, and support.",{"path":906,"title":907,"description":908},"\u002Fresources\u002Fmore\u002Fwhy-onramp-and-offramp-rates-differ","Why are on-ramp and off-ramp rates different? Bid, ask, and the round-trip cost","Buying stablecoins and selling them back happen at two prices. How bid, ask, and mid-market rates work, and how to calculate a round-trip cost.",1792077655897]