[{"data":1,"prerenderedAt":1548},["ShallowReactive",2],{"content-\u002Fresources\u002Fmore\u002Fpay-exact-local-amount-receiver-side-quote":3,"resources-category-pay-exact-local-amount-receiver-side-quote":1009},{"id":4,"title":5,"authors":6,"body":7,"categories":6,"category":958,"categoryType":6,"compare":6,"contributors":6,"date":959,"description":960,"extension":961,"faq":962,"howto":978,"isBlog":999,"isChangelog":999,"meta":1000,"navigation":1002,"path":1003,"pillar":999,"products":6,"rawbody":1004,"role":6,"seo":1005,"seoTitle":1006,"stem":1007,"thumbnail":6,"updated":959,"__hash__":1008},"content\u002Fresources\u002Fmore\u002Fpay-exact-local-amount-receiver-side-quote.md","How to pay an exact BRL, MXN, or EUR amount from USDC: receiver-side quotes explained",null,{"type":8,"value":9,"toc":948},"minimark",[10,42,45,51,88,93,96,111,238,241,245,248,255,357,386,389,419,423,430,516,537,549,553,559,565,673,676,686,690,693,696,699,716,724,728,731,795,802,806,812,815,902,911,924,928,944],[11,12,13,14,18,19,22,23,26,27,18,30,33,34,37,38,41],"p",{},"To pay an exact BRL, MXN, or EUR amount from USDC, request a receiver-side quote: set ",[15,16,17],"code",{},"currency_type"," to ",[15,20,21],{},"receiver",", put the local amount in ",[15,24,25],{},"request_amount",", and set ",[15,28,29],{},"cover_fees",[15,31,32],{},"true",". The quote returns the USDC ",[15,35,36],{},"sender_amount"," that delivers that exact amount, locked until ",[15,39,40],{},"expires_at",". Execute before then and the number lands.",[11,43,44],{},"That is the whole trick. The rest of this guide is the detail that makes it work on Pix, SPEI, and SEPA without surprises.",[11,46,47],{},[48,49,50],"strong",{},"Key takeaways",[52,53,54,58,72,79,82],"ul",{},[55,56,57],"li",{},"Fix the side that matters to the business. A BRL invoice is a BRL number, so quote the BRL side and let the USDC float.",[55,59,60,63,64,67,68,71],{},[15,61,62],{},"currency_type: \"receiver\""," plus ",[15,65,66],{},"cover_fees: true"," is the pairing for \"recipient gets exactly X.\" With ",[15,69,70],{},"cover_fees: false",", the fee comes out of the recipient's amount.",[55,73,74,75,78],{},"Amounts are integers in minor units: R$27,000.00 is ",[15,76,77],{},"2700000",". No floats.",[55,80,81],{},"On re-quote, the local amount stays fixed and only the USDC cost moves.",[55,83,84,85,87],{},"SEPA has a receiver-side minimum of 10 EUR, and SEPA quotes can expire sooner than 5 minutes. Read ",[15,86,40],{},".",[89,90,92],"h2",{"id":91},"when-should-you-fix-the-receiver-amount-instead-of-the-send-amount","When should you fix the receiver amount instead of the send amount?",[11,94,95],{},"Fix the receiver amount when the obligation is written in local currency. Fix the send amount when the budget is written in dollars. The quote can do either; your job is to pick the side that matches the contract.",[11,97,98,99,104,105,107,108,110],{},"The ",[100,101,103],"a",{"href":102},"\u002Fresources\u002Fmore\u002Fstablecoin-api-quotes-explained","quotes explainer"," covers what ",[15,106,17],{}," and ",[15,109,29],{}," mean. This is about which combination fits which job.",[112,113,114,137],"table",{},[115,116,117],"thead",{},[118,119,120,124,127,130,134],"tr",{},[121,122,123],"th",{},"Use case",[121,125,126],{},"Obligation is in",[121,128,129],{},"Quote side",[121,131,132],{},[15,133,29],{},[121,135,136],{},"Why",[138,139,140,160,179,198,219],"tbody",{},[118,141,142,146,149,153,157],{},[143,144,145],"td",{},"Supplier invoice in Brazil",[143,147,148],{},"BRL",[143,150,151],{},[15,152,21],{},[143,154,155],{},[15,156,32],{},[143,158,159],{},"The invoice says R$27,000.00. Anything less is a short payment.",[118,161,162,165,168,172,176],{},[143,163,164],{},"Contractor salary in Mexico",[143,166,167],{},"MXN",[143,169,170],{},[15,171,21],{},[143,173,174],{},[15,175,32],{},[143,177,178],{},"The contract fixes pesos. The company absorbs the fee.",[118,180,181,184,187,191,195],{},[143,182,183],{},"Rent or tuition in the euro area",[143,185,186],{},"EUR",[143,188,189],{},[15,190,21],{},[143,192,193],{},[15,194,32],{},[143,196,197],{},"The bill is in euros and must clear in full.",[118,199,200,203,206,211,216],{},[143,201,202],{},"Marketplace seller payout",[143,204,205],{},"USD balance",[143,207,208],{},[15,209,210],{},"sender",[143,212,213],{},[15,214,215],{},"false",[143,217,218],{},"The seller earned a USD balance and gets the net in local currency.",[118,220,221,224,227,231,235],{},[143,222,223],{},"Treasury sweep to a local account",[143,225,226],{},"USDC on hand",[143,228,229],{},[15,230,210],{},[143,232,233],{},[15,234,215],{},[143,236,237],{},"You move a USDC amount and accept the local result.",[11,239,240],{},"A rule of thumb: if someone will check the local number against a document, quote the local number.",[89,242,244],{"id":243},"how-does-a-receiver-side-quote-work","How does a receiver-side quote work?",[11,246,247],{},"You tell BlindPay the fiat amount the bank account must receive. BlindPay prices the conversion at request time and returns how much stablecoin the funding wallet must send, plus every fee line, locked for the quote's window.",[11,249,250,251,254],{},"The request goes to ",[15,252,253],{},"POST \u002Fv1\u002Finstances\u002F{instance_id}\u002Fquotes",":",[256,257,262],"pre",{"className":258,"code":259,"language":260,"meta":261,"style":261},"language-json shiki shiki-themes github-light","{\n  \"bank_account_id\": \"ba_000000000000\",\n  \"currency_type\": \"receiver\",\n  \"cover_fees\": true,\n  \"request_amount\": 2700000,\n  \"network\": \"polygon\",\n  \"token\": \"USDC\"\n}\n","json","",[15,263,264,273,290,303,315,327,340,351],{"__ignoreMap":261},[265,266,269],"span",{"class":267,"line":268},"line",1,[265,270,272],{"class":271},"sgsFI","{\n",[265,274,276,280,283,287],{"class":267,"line":275},2,[265,277,279],{"class":278},"sYu0t","  \"bank_account_id\"",[265,281,282],{"class":271},": ",[265,284,286],{"class":285},"sYBdl","\"ba_000000000000\"",[265,288,289],{"class":271},",\n",[265,291,293,296,298,301],{"class":267,"line":292},3,[265,294,295],{"class":278},"  \"currency_type\"",[265,297,282],{"class":271},[265,299,300],{"class":285},"\"receiver\"",[265,302,289],{"class":271},[265,304,306,309,311,313],{"class":267,"line":305},4,[265,307,308],{"class":278},"  \"cover_fees\"",[265,310,282],{"class":271},[265,312,32],{"class":278},[265,314,289],{"class":271},[265,316,318,321,323,325],{"class":267,"line":317},5,[265,319,320],{"class":278},"  \"request_amount\"",[265,322,282],{"class":271},[265,324,77],{"class":278},[265,326,289],{"class":271},[265,328,330,333,335,338],{"class":267,"line":329},6,[265,331,332],{"class":278},"  \"network\"",[265,334,282],{"class":271},[265,336,337],{"class":285},"\"polygon\"",[265,339,289],{"class":271},[265,341,343,346,348],{"class":267,"line":342},7,[265,344,345],{"class":278},"  \"token\"",[265,347,282],{"class":271},[265,349,350],{"class":285},"\"USDC\"\n",[265,352,354],{"class":267,"line":353},8,[265,355,356],{"class":271},"}\n",[11,358,359,360,363,364,366,367,370,371,374,375,363,377,380,381,385],{},"The response carries ",[15,361,362],{},"id",", ",[15,365,40],{}," (epoch milliseconds), ",[15,368,369],{},"commercial_quotation"," (the market rate), ",[15,372,373],{},"blindpay_quotation"," (the rate net of BlindPay's fee), ",[15,376,36],{},[15,378,379],{},"receiver_amount",", and the fee fields. The ",[100,382,384],{"href":383},"\u002Fdocs\u002Fpayout-quotes","payout quotes reference"," lists every field.",[11,387,388],{},"Two details catch teams the first time.",[52,390,391,407],{},[55,392,393,396,397,399,400,402,403,406],{},[48,394,395],{},"Minor units."," ",[15,398,25],{}," is an integer. R$27,000.00 is ",[15,401,77],{},", and $35,000.00 MXN is ",[15,404,405],{},"3500000",". Convert once, at the edge of your system.",[55,408,409,412,413,415,416,418],{},[48,410,411],{},"The direction flips on payins."," On a payout quote, ",[15,414,21],{}," means the fiat side. On a payin quote, ",[15,417,21],{}," means the stablecoin side. A shared helper that ignores this quotes the wrong side.",[89,420,422],{"id":421},"what-does-an-exact-amount-payout-look-like-in-each-currency","What does an exact-amount payout look like in each currency?",[11,424,425,426,429],{},"The same request shape works across rails. What changes is the bank account behind ",[15,427,428],{},"bank_account_id"," and a couple of rail rules.",[112,431,432,447],{},[115,433,434],{},[118,435,436,438,441,444],{},[121,437],{},[121,439,440],{},"Brazil",[121,442,443],{},"Mexico",[121,445,446],{},"SEPA zone",[138,448,449,463,477,490,503],{},[118,450,451,454,457,460],{},[143,452,453],{},"Rail",[143,455,456],{},"Pix",[143,458,459],{},"SPEI",[143,461,462],{},"SEPA",[118,464,465,468,471,474],{},[143,466,467],{},"Recipient detail",[143,469,470],{},"Pix key (CPF, CNPJ, phone, email, or random key)",[143,472,473],{},"18-digit CLABE",[143,475,476],{},"IBAN and BIC, plus beneficiary name and address",[118,478,479,482,485,487],{},[143,480,481],{},"Receiver-side minimum",[143,483,484],{},"Fee only",[143,486,484],{},[143,488,489],{},"10 EUR (11 USDC on the sender side)",[118,491,492,495,498,500],{},[143,493,494],{},"Quote window",[143,496,497],{},"5 minutes by default",[143,499,497],{},[143,501,502],{},"Can be shorter than 5 minutes",[118,504,505,508,511,513],{},[143,506,507],{},"Estimated arrival in BlindPay's docs",[143,509,510],{},"Instant",[143,512,510],{},[143,514,515],{},"About 1 business day",[11,517,518,519,525,526,531,532,87],{},"Pix and SPEI both run around the clock. The ",[100,520,524],{"href":521,"rel":522},"https:\u002F\u002Fwww.bcb.gov.br\u002Fen\u002Ffinancialstability\u002Fpix_en",[523],"nofollow","Central Bank of Brazil"," operates Pix as an instant payment system, and ",[100,527,530],{"href":528,"rel":529},"https:\u002F\u002Fwww.banxico.org.mx\u002Fservices\u002Finterbanking-electronic-payme.html",[523],"Banco de México"," operates SPEI around the clock. SEPA is the euro area's common framework for euro transfers, described by the ",[100,533,536],{"href":534,"rel":535},"https:\u002F\u002Fwww.ecb.europa.eu\u002Fpaym\u002Fintegration\u002Fretail\u002Fsepa\u002Fhtml\u002Findex.en.html",[523],"European Central Bank",[11,538,539,540,544,545,87],{},"For which details each rail needs, see ",[100,541,543],{"href":542},"\u002Fresources\u002Fmore\u002Fpix-key-cpf-clabe-payout-details","Pix keys, CPF, and CLABE explained"," and the ",[100,546,548],{"href":547},"\u002Fresources\u002Fmore\u002Fhow-to-off-ramp-usdc-to-euros-sepa","SEPA off-ramp guide",[89,550,552],{"id":551},"how-much-usdc-does-an-exact-amount-cost","How much USDC does an exact amount cost?",[11,554,555,556,558],{},"The quote tells you. You never compute ",[15,557,36],{}," yourself. But you should know how to read it, so you can check the cost against the market.",[11,560,561,564],{},[48,562,563],{},"Illustrative example."," These rates are made up for the arithmetic. They are not BlindPay pricing.",[112,566,567,582],{},[115,568,569],{},[118,570,571,573,576,579],{},[121,572],{},[121,574,575],{},"Brazil invoice",[121,577,578],{},"Mexico salary",[121,580,581],{},"Euro rent",[138,583,584,598,615,631,645,659],{},[118,585,586,589,592,595],{},[143,587,588],{},"Receiver amount (fixed)",[143,590,591],{},"R$27,000.00",[143,593,594],{},"$35,000.00 MXN",[143,596,597],{},"€2,500.00",[118,599,600,606,609,612],{},[143,601,602,603,605],{},"Market rate (",[15,604,369],{},")",[143,607,608],{},"5.40 BRL per USDC",[143,610,611],{},"18.50 MXN per USDC",[143,613,614],{},"0.8600 EUR per USDC",[118,616,617,622,625,628],{},[143,618,619,621],{},[15,620,36],{}," returned",[143,623,624],{},"5,025.13 USDC",[143,626,627],{},"1,901.40 USDC",[143,629,630],{},"2,921.58 USDC",[118,632,633,636,639,642],{},[143,634,635],{},"Effective rate (receiver ÷ sender)",[143,637,638],{},"5.3730",[143,640,641],{},"18.4075",[143,643,644],{},"0.8557",[118,646,647,650,653,656],{},[143,648,649],{},"USDC needed at the market rate",[143,651,652],{},"5,000.00",[143,654,655],{},"1,891.89",[143,657,658],{},"2,906.98",[118,660,661,664,667,670],{},[143,662,663],{},"All-in cost vs market",[143,665,666],{},"25.13 USDC (50 bps)",[143,668,669],{},"9.51 USDC (50 bps)",[143,671,672],{},"14.61 USDC (50 bps)",[11,674,675],{},"The math for Brazil: 27,000 ÷ 5,025.13 = 5.3730 BRL per USDC delivered. At the market rate, 27,000 ÷ 5.40 = 5,000.00 USDC. The difference, 25.13 USDC, is everything you paid: spread plus fees. As a share: (5.40 - 5.373) ÷ 5.40 = 0.50%, or 50 basis points.",[11,677,678,679,681,682,87],{},"That one number is the honest comparison between providers. Ask each for a receiver-side quote of the same amount at the same moment, then compare ",[15,680,36],{},". For the spread side of that math, see ",[100,683,685],{"href":684},"\u002Fresources\u002Fmore\u002Fhow-to-calculate-fx-spread","how to calculate FX spread",[89,687,689],{"id":688},"what-changes-when-the-quote-expires","What changes when the quote expires?",[11,691,692],{},"Only the USDC side. The local amount is what you asked for, so a new quote keeps it and reprices the stablecoin.",[11,694,695],{},"Payout quotes expire 5 minutes after creation by default, and SEPA quotes can be shorter because the rail's own deadline can be tighter. An expired quote is rejected. Nothing executes at a new rate behind your back.",[11,697,698],{},"So the re-quote loop for an exact amount is simple:",[700,701,702,707,713],"ol",{},[55,703,704,705,87],{},"Request a new receiver-side quote with the same ",[15,706,25],{},[55,708,709,710,712],{},"Compare the new ",[15,711,36],{}," with the old one.",[55,714,715],{},"If your flow needs approval for changes, show the new USDC figure. If not, execute.",[11,717,718,719,723],{},"The local number never changes in that loop, which is why finance teams like receiver-side quotes for payables. The risk that moves is yours to see before you send. ",[100,720,722],{"href":721},"\u002Fresources\u002Fmore\u002Fwho-carries-fx-risk-stablecoin-payout","Who carries FX risk at each step"," walks through who holds the rate between quote, execution, and settlement.",[89,725,727],{"id":726},"what-goes-wrong-with-exact-amount-payouts","What goes wrong with exact-amount payouts?",[11,729,730],{},"Most failures are setup mistakes, not rate problems.",[52,732,733,745,756,767,776,786],{},[55,734,735,738,739,741,742,744],{},[48,736,737],{},"Wrong side."," Quoting ",[15,740,210],{}," with a BRL number in ",[15,743,25],{}," sends 27,000 USDC. Test both sides in development before you ship.",[55,746,747,752,753,755],{},[48,748,749,751],{},[15,750,70],{}," on a fixed obligation."," The fee comes out of the recipient's amount, and the invoice is short. Use ",[15,754,32],{}," when the number must land in full.",[55,757,758,396,761,764,765,87],{},[48,759,760],{},"Floats.",[15,762,763],{},"27000.00"," is rejected. Send ",[15,766,77],{},[55,768,769,772,773,775],{},[48,770,771],{},"Hardcoded 5 minutes."," SEPA quotes can be shorter. Count down from ",[15,774,40],{}," and divide by 1,000 if your library wants seconds.",[55,777,778,781,782,785],{},[48,779,780],{},"Reusing a quote."," A ",[15,783,784],{},"quote_id"," backs one payout. The second payout against it fails.",[55,787,788,791,792,87],{},[48,789,790],{},"Under the minimum."," A €8 SEPA payout quoted by EUR amount fails with ",[15,793,794],{},"sepa_minimum_is_10_eur",[11,796,98,797,801],{},[100,798,800],{"href":799},"\u002Fresources\u002Fmore\u002Fstablecoin-payout-mistakes","stablecoin payout mistakes guide"," covers the rest, from wrong networks to bad bank details.",[89,803,805],{"id":804},"how-do-you-reconcile-exact-amount-payouts","How do you reconcile exact-amount payouts?",[11,807,808,809,811],{},"Store the quote with the payout. The quote's ",[15,810,379],{}," is the number your obligation should match, and the payout id is what your webhooks report on.",[11,813,814],{},"A minimal record per payment:",[112,816,817,830],{},[115,818,819],{},[118,820,821,824,827],{},[121,822,823],{},"Field",[121,825,826],{},"Source",[121,828,829],{},"Use",[138,831,832,843,856,867,878,891],{},[118,833,834,837,840],{},[143,835,836],{},"Invoice or payroll line id",[143,838,839],{},"Your system",[143,841,842],{},"What the payment settles",[118,844,845,850,853],{},[143,846,847],{},[15,848,849],{},"quote.id",[143,851,852],{},"Quote response",[143,854,855],{},"Proof of the locked rate and fees",[118,857,858,862,864],{},[143,859,860],{},[15,861,379],{},[143,863,852],{},[143,865,866],{},"Must equal the obligation, in minor units",[118,868,869,873,875],{},[143,870,871],{},[15,872,36],{},[143,874,852],{},[143,876,877],{},"USDC cost for your ledger",[118,879,880,885,888],{},[143,881,882],{},[15,883,884],{},"payout.id",[143,886,887],{},"Payout response",[143,889,890],{},"Joins webhook events to the obligation",[118,892,893,896,899],{},[143,894,895],{},"Final status",[143,897,898],{},"Webhooks",[143,900,901],{},"Close the item on completion",[11,903,904,905,907,908,910],{},"If ",[15,906,379],{}," doesn't equal the invoice amount, stop before executing. That check catches the wrong side, the wrong ",[15,909,29],{},", and a typo in minor units, all at once.",[11,912,913,914,918,919,923],{},"For contractor runs, the ",[100,915,917],{"href":916},"\u002Fresources\u002Fmore\u002Fstablecoin-payroll-latam-contractors","stablecoin payroll guide for Latin America"," shows where this fits in a monthly cycle, and the ",[100,920,922],{"href":921},"\u002Fresources\u002Fmore\u002Fonramp-offramp-liquidity-glossary","on\u002Foff-ramp liquidity glossary"," defines every term used here.",[89,925,927],{"id":926},"what-to-do-next","What to do next",[11,929,930,931,933,934,936,937,939,940,943],{},"Open a free development instance, add a test bank account, and request two quotes for the same local amount: one with ",[15,932,66],{},", one with ",[15,935,215],{},". Compare ",[15,938,379],{}," on both. Then follow the ",[100,941,942],{"href":383},"payout quotes guide"," to execute against the one that lands the exact number.",[945,946,947],"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":261,"searchDepth":275,"depth":275,"links":949},[950,951,952,953,954,955,956,957],{"id":91,"depth":275,"text":92},{"id":243,"depth":275,"text":244},{"id":421,"depth":275,"text":422},{"id":551,"depth":275,"text":552},{"id":688,"depth":275,"text":689},{"id":726,"depth":275,"text":727},{"id":804,"depth":275,"text":805},{"id":926,"depth":275,"text":927},"payments","2026-10-03","Fix what the recipient gets, not what you send. How receiver-side quotes and cover_fees land exact amounts over Pix, SPEI, and SEPA, with worked examples.","md",[963,966,969,972,975],{"q":964,"a":965},"How do I make sure my recipient gets an exact amount in local currency?","Quote on the receiver side. Set currency_type to receiver, put the local amount in request_amount in minor units, and set cover_fees to true so fees are added to the stablecoins you send. The quote returns the sender_amount that delivers that amount. Execute against the quote id before expires_at and the recipient gets the quoted receiver_amount.",{"q":967,"a":968},"What does cover_fees do on a receiver-side quote?","It decides who absorbs the fee. With cover_fees set to true, the fee is added on top of the stablecoin amount you send, so the recipient gets the full amount. With cover_fees set to false, BlindPay's docs describe the fee as deducted from the fiat the recipient receives. Either way, read receiver_amount on the response before you show or promise a number.",{"q":970,"a":971},"Is there a minimum for a receiver-side EUR quote?","Yes. A SEPA payout quoted by the EUR amount the receiver should get needs at least 10 EUR, and a SEPA quote by USDC amount needs at least 11 USDC. Below that, the quote fails with sepa_minimum_is_10_eur or sepa_minimum_is_11_usdc. International SWIFT payouts need at least 100 USD requested. Other rails have no minimum beyond the fee itself.",{"q":973,"a":974},"What happens to the exact amount if the quote expires?","Nothing moves. An expired quote is rejected, not executed at a new rate. Request a new receiver-side quote with the same local amount. The receiver amount stays fixed, and the sender_amount changes to the new rate. Show the new USDC figure, get confirmation if your flow needs it, and execute against the new quote id.",{"q":976,"a":977},"Can I fix the BRL amount and let the recipient pay the fees?","You can request the quote with currency_type set to receiver and cover_fees set to false, but then the fee comes out of what the recipient gets, so the delivered BRL can sit below the amount you typed. If the obligation is an invoice or a salary with a fixed number, use cover_fees set to true instead.",{"name":979,"steps":980},"How to pay an exact local-currency amount from USDC with a receiver-side quote",[981,984,987,990,993,996],{"name":982,"text":983},"Add and approve the recipient's bank account","Create a bank account for the recipient with the rail's details: a Pix key for Brazil, a CLABE for Mexico, or an IBAN and BIC for SEPA. Wait for status approved.",{"name":985,"text":986},"Request a receiver-side quote","Call POST \u002Fv1\u002Finstances\u002F{instance_id}\u002Fquotes with bank_account_id, currency_type receiver, request_amount in local minor units, cover_fees true, network, and token.",{"name":988,"text":989},"Show the stablecoin cost and a countdown","Display sender_amount as the USDC needed and count down from expires_at, which is in epoch milliseconds.",{"name":991,"text":992},"Authorize exactly the quoted amount","For an external EVM wallet, call approve on the token contract with the contract payload from the quote. Managed wallets skip this step.",{"name":994,"text":995},"Execute the payout before expiry","Call POST \u002Fv1\u002Finstances\u002F{instance_id}\u002Fpayouts\u002Fevm with quote_id and sender_wallet_address. If the quote expired, request a new one with the same local amount.",{"name":997,"text":998},"Reconcile against the obligation","Match receiver_amount on the quote to the invoice or salary line, store the quote id with the payout id, and close the item when the payout completes.",false,{"author":1001},"BlindPay Team",true,"\u002Fresources\u002Fmore\u002Fpay-exact-local-amount-receiver-side-quote","---\ntitle: \"How to pay an exact BRL, MXN, or EUR amount from USDC: receiver-side quotes explained\"\nseoTitle: \"Pay an exact BRL, MXN, or EUR amount from USDC\"\ndescription: \"Fix what the recipient gets, not what you send. How receiver-side quotes and cover_fees land exact amounts over Pix, SPEI, and SEPA, with worked examples.\"\ndate: \"2026-10-03\"\nupdated: \"2026-10-03\"\ncategory: \"payments\"\nauthor: \"BlindPay Team\"\nfaq:\n  - q: \"How do I make sure my recipient gets an exact amount in local currency?\"\n    a: \"Quote on the receiver side. Set currency_type to receiver, put the local amount in request_amount in minor units, and set cover_fees to true so fees are added to the stablecoins you send. The quote returns the sender_amount that delivers that amount. Execute against the quote id before expires_at and the recipient gets the quoted receiver_amount.\"\n  - q: \"What does cover_fees do on a receiver-side quote?\"\n    a: \"It decides who absorbs the fee. With cover_fees set to true, the fee is added on top of the stablecoin amount you send, so the recipient gets the full amount. With cover_fees set to false, BlindPay's docs describe the fee as deducted from the fiat the recipient receives. Either way, read receiver_amount on the response before you show or promise a number.\"\n  - q: \"Is there a minimum for a receiver-side EUR quote?\"\n    a: \"Yes. A SEPA payout quoted by the EUR amount the receiver should get needs at least 10 EUR, and a SEPA quote by USDC amount needs at least 11 USDC. Below that, the quote fails with sepa_minimum_is_10_eur or sepa_minimum_is_11_usdc. International SWIFT payouts need at least 100 USD requested. Other rails have no minimum beyond the fee itself.\"\n  - q: \"What happens to the exact amount if the quote expires?\"\n    a: \"Nothing moves. An expired quote is rejected, not executed at a new rate. Request a new receiver-side quote with the same local amount. The receiver amount stays fixed, and the sender_amount changes to the new rate. Show the new USDC figure, get confirmation if your flow needs it, and execute against the new quote id.\"\n  - q: \"Can I fix the BRL amount and let the recipient pay the fees?\"\n    a: \"You can request the quote with currency_type set to receiver and cover_fees set to false, but then the fee comes out of what the recipient gets, so the delivered BRL can sit below the amount you typed. If the obligation is an invoice or a salary with a fixed number, use cover_fees set to true instead.\"\nhowto:\n  name: \"How to pay an exact local-currency amount from USDC with a receiver-side quote\"\n  steps:\n    - name: \"Add and approve the recipient's bank account\"\n      text: \"Create a bank account for the recipient with the rail's details: a Pix key for Brazil, a CLABE for Mexico, or an IBAN and BIC for SEPA. Wait for status approved.\"\n    - name: \"Request a receiver-side quote\"\n      text: \"Call POST \u002Fv1\u002Finstances\u002F{instance_id}\u002Fquotes with bank_account_id, currency_type receiver, request_amount in local minor units, cover_fees true, network, and token.\"\n    - name: \"Show the stablecoin cost and a countdown\"\n      text: \"Display sender_amount as the USDC needed and count down from expires_at, which is in epoch milliseconds.\"\n    - name: \"Authorize exactly the quoted amount\"\n      text: \"For an external EVM wallet, call approve on the token contract with the contract payload from the quote. Managed wallets skip this step.\"\n    - name: \"Execute the payout before expiry\"\n      text: \"Call POST \u002Fv1\u002Finstances\u002F{instance_id}\u002Fpayouts\u002Fevm with quote_id and sender_wallet_address. If the quote expired, request a new one with the same local amount.\"\n    - name: \"Reconcile against the obligation\"\n      text: \"Match receiver_amount on the quote to the invoice or salary line, store the quote id with the payout id, and close the item when the payout completes.\"\n---\n\nTo pay an exact BRL, MXN, or EUR amount from USDC, request a receiver-side quote: set `currency_type` to `receiver`, put the local amount in `request_amount`, and set `cover_fees` to `true`. The quote returns the USDC `sender_amount` that delivers that exact amount, locked until `expires_at`. Execute before then and the number lands.\n\nThat is the whole trick. The rest of this guide is the detail that makes it work on Pix, SPEI, and SEPA without surprises.\n\n**Key takeaways**\n\n- Fix the side that matters to the business. A BRL invoice is a BRL number, so quote the BRL side and let the USDC float.\n- `currency_type: \"receiver\"` plus `cover_fees: true` is the pairing for \"recipient gets exactly X.\" With `cover_fees: false`, the fee comes out of the recipient's amount.\n- Amounts are integers in minor units: R$27,000.00 is `2700000`. No floats.\n- On re-quote, the local amount stays fixed and only the USDC cost moves.\n- SEPA has a receiver-side minimum of 10 EUR, and SEPA quotes can expire sooner than 5 minutes. Read `expires_at`.\n\n## When should you fix the receiver amount instead of the send amount?\n\nFix the receiver amount when the obligation is written in local currency. Fix the send amount when the budget is written in dollars. The quote can do either; your job is to pick the side that matches the contract.\n\nThe [quotes explainer](\u002Fresources\u002Fmore\u002Fstablecoin-api-quotes-explained) covers what `currency_type` and `cover_fees` mean. This is about which combination fits which job.\n\n| Use case | Obligation is in | Quote side | `cover_fees` | Why |\n| --- | --- | --- | --- | --- |\n| Supplier invoice in Brazil | BRL | `receiver` | `true` | The invoice says R$27,000.00. Anything less is a short payment. |\n| Contractor salary in Mexico | MXN | `receiver` | `true` | The contract fixes pesos. The company absorbs the fee. |\n| Rent or tuition in the euro area | EUR | `receiver` | `true` | The bill is in euros and must clear in full. |\n| Marketplace seller payout | USD balance | `sender` | `false` | The seller earned a USD balance and gets the net in local currency. |\n| Treasury sweep to a local account | USDC on hand | `sender` | `false` | You move a USDC amount and accept the local result. |\n\nA rule of thumb: if someone will check the local number against a document, quote the local number.\n\n## How does a receiver-side quote work?\n\nYou tell BlindPay the fiat amount the bank account must receive. BlindPay prices the conversion at request time and returns how much stablecoin the funding wallet must send, plus every fee line, locked for the quote's window.\n\nThe request goes to `POST \u002Fv1\u002Finstances\u002F{instance_id}\u002Fquotes`:\n\n```json\n{\n  \"bank_account_id\": \"ba_000000000000\",\n  \"currency_type\": \"receiver\",\n  \"cover_fees\": true,\n  \"request_amount\": 2700000,\n  \"network\": \"polygon\",\n  \"token\": \"USDC\"\n}\n```\n\nThe response carries `id`, `expires_at` (epoch milliseconds), `commercial_quotation` (the market rate), `blindpay_quotation` (the rate net of BlindPay's fee), `sender_amount`, `receiver_amount`, and the fee fields. The [payout quotes reference](\u002Fdocs\u002Fpayout-quotes) lists every field.\n\nTwo details catch teams the first time.\n\n- **Minor units.** `request_amount` is an integer. R$27,000.00 is `2700000`, and $35,000.00 MXN is `3500000`. Convert once, at the edge of your system.\n- **The direction flips on payins.** On a payout quote, `receiver` means the fiat side. On a payin quote, `receiver` means the stablecoin side. A shared helper that ignores this quotes the wrong side.\n\n## What does an exact-amount payout look like in each currency?\n\nThe same request shape works across rails. What changes is the bank account behind `bank_account_id` and a couple of rail rules.\n\n| | Brazil | Mexico | SEPA zone |\n| --- | --- | --- | --- |\n| Rail | Pix | SPEI | SEPA |\n| Recipient detail | Pix key (CPF, CNPJ, phone, email, or random key) | 18-digit CLABE | IBAN and BIC, plus beneficiary name and address |\n| Receiver-side minimum | Fee only | Fee only | 10 EUR (11 USDC on the sender side) |\n| Quote window | 5 minutes by default | 5 minutes by default | Can be shorter than 5 minutes |\n| Estimated arrival in BlindPay's docs | Instant | Instant | About 1 business day |\n\nPix and SPEI both run around the clock. The [Central Bank of Brazil](https:\u002F\u002Fwww.bcb.gov.br\u002Fen\u002Ffinancialstability\u002Fpix_en) operates Pix as an instant payment system, and [Banco de México](https:\u002F\u002Fwww.banxico.org.mx\u002Fservices\u002Finterbanking-electronic-payme.html) operates SPEI around the clock. SEPA is the euro area's common framework for euro transfers, described by the [European Central Bank](https:\u002F\u002Fwww.ecb.europa.eu\u002Fpaym\u002Fintegration\u002Fretail\u002Fsepa\u002Fhtml\u002Findex.en.html).\n\nFor which details each rail needs, see [Pix keys, CPF, and CLABE explained](\u002Fresources\u002Fmore\u002Fpix-key-cpf-clabe-payout-details) and the [SEPA off-ramp guide](\u002Fresources\u002Fmore\u002Fhow-to-off-ramp-usdc-to-euros-sepa).\n\n## How much USDC does an exact amount cost?\n\nThe quote tells you. You never compute `sender_amount` yourself. But you should know how to read it, so you can check the cost against the market.\n\n**Illustrative example.** These rates are made up for the arithmetic. They are not BlindPay pricing.\n\n| | Brazil invoice | Mexico salary | Euro rent |\n| --- | --- | --- | --- |\n| Receiver amount (fixed) | R$27,000.00 | $35,000.00 MXN | €2,500.00 |\n| Market rate (`commercial_quotation`) | 5.40 BRL per USDC | 18.50 MXN per USDC | 0.8600 EUR per USDC |\n| `sender_amount` returned | 5,025.13 USDC | 1,901.40 USDC | 2,921.58 USDC |\n| Effective rate (receiver ÷ sender) | 5.3730 | 18.4075 | 0.8557 |\n| USDC needed at the market rate | 5,000.00 | 1,891.89 | 2,906.98 |\n| All-in cost vs market | 25.13 USDC (50 bps) | 9.51 USDC (50 bps) | 14.61 USDC (50 bps) |\n\nThe math for Brazil: 27,000 ÷ 5,025.13 = 5.3730 BRL per USDC delivered. At the market rate, 27,000 ÷ 5.40 = 5,000.00 USDC. The difference, 25.13 USDC, is everything you paid: spread plus fees. As a share: (5.40 - 5.373) ÷ 5.40 = 0.50%, or 50 basis points.\n\nThat one number is the honest comparison between providers. Ask each for a receiver-side quote of the same amount at the same moment, then compare `sender_amount`. For the spread side of that math, see [how to calculate FX spread](\u002Fresources\u002Fmore\u002Fhow-to-calculate-fx-spread).\n\n## What changes when the quote expires?\n\nOnly the USDC side. The local amount is what you asked for, so a new quote keeps it and reprices the stablecoin.\n\nPayout quotes expire 5 minutes after creation by default, and SEPA quotes can be shorter because the rail's own deadline can be tighter. An expired quote is rejected. Nothing executes at a new rate behind your back.\n\nSo the re-quote loop for an exact amount is simple:\n\n1. Request a new receiver-side quote with the same `request_amount`.\n2. Compare the new `sender_amount` with the old one.\n3. If your flow needs approval for changes, show the new USDC figure. If not, execute.\n\nThe local number never changes in that loop, which is why finance teams like receiver-side quotes for payables. The risk that moves is yours to see before you send. [Who carries FX risk at each step](\u002Fresources\u002Fmore\u002Fwho-carries-fx-risk-stablecoin-payout) walks through who holds the rate between quote, execution, and settlement.\n\n## What goes wrong with exact-amount payouts?\n\nMost failures are setup mistakes, not rate problems.\n\n- **Wrong side.** Quoting `sender` with a BRL number in `request_amount` sends 27,000 USDC. Test both sides in development before you ship.\n- **`cover_fees: false` on a fixed obligation.** The fee comes out of the recipient's amount, and the invoice is short. Use `true` when the number must land in full.\n- **Floats.** `27000.00` is rejected. Send `2700000`.\n- **Hardcoded 5 minutes.** SEPA quotes can be shorter. Count down from `expires_at` and divide by 1,000 if your library wants seconds.\n- **Reusing a quote.** A `quote_id` backs one payout. The second payout against it fails.\n- **Under the minimum.** A €8 SEPA payout quoted by EUR amount fails with `sepa_minimum_is_10_eur`.\n\nThe [stablecoin payout mistakes guide](\u002Fresources\u002Fmore\u002Fstablecoin-payout-mistakes) covers the rest, from wrong networks to bad bank details.\n\n## How do you reconcile exact-amount payouts?\n\nStore the quote with the payout. The quote's `receiver_amount` is the number your obligation should match, and the payout id is what your webhooks report on.\n\nA minimal record per payment:\n\n| Field | Source | Use |\n| --- | --- | --- |\n| Invoice or payroll line id | Your system | What the payment settles |\n| `quote.id` | Quote response | Proof of the locked rate and fees |\n| `receiver_amount` | Quote response | Must equal the obligation, in minor units |\n| `sender_amount` | Quote response | USDC cost for your ledger |\n| `payout.id` | Payout response | Joins webhook events to the obligation |\n| Final status | Webhooks | Close the item on completion |\n\nIf `receiver_amount` doesn't equal the invoice amount, stop before executing. That check catches the wrong side, the wrong `cover_fees`, and a typo in minor units, all at once.\n\nFor contractor runs, the [stablecoin payroll guide for Latin America](\u002Fresources\u002Fmore\u002Fstablecoin-payroll-latam-contractors) shows where this fits in a monthly cycle, and the [on\u002Foff-ramp liquidity glossary](\u002Fresources\u002Fmore\u002Fonramp-offramp-liquidity-glossary) defines every term used here.\n\n## What to do next\n\nOpen a free development instance, add a test bank account, and request two quotes for the same local amount: one with `cover_fees: true`, one with `false`. Compare `receiver_amount` on both. Then follow the [payout quotes guide](\u002Fdocs\u002Fpayout-quotes) to execute against the one that lands the exact number.\n",{"title":5,"description":960},"Pay an exact BRL, MXN, or EUR amount from USDC","resources\u002Fmore\u002Fpay-exact-local-amount-receiver-side-quote","9faWFr_tuqNjIea-dWxMFAHWkUtqLCXpX0aro7o_4NU",[1010,1014,1018,1022,1026,1030,1034,1038,1042,1046,1050,1054,1058,1062,1065,1069,1073,1077,1081,1085,1089,1093,1097,1101,1105,1109,1113,1117,1121,1125,1129,1133,1137,1141,1145,1149,1153,1157,1160,1164,1168,1172,1176,1180,1184,1188,1192,1196,1200,1204,1208,1211,1215,1219,1220,1224,1228,1232,1236,1240,1244,1248,1252,1256,1260,1264,1268,1272,1276,1280,1284,1288,1292,1296,1300,1304,1308,1312,1316,1320,1324,1328,1332,1336,1340,1344,1347,1351,1355,1359,1363,1367,1371,1375,1379,1383,1387,1391,1395,1398,1402,1406,1410,1414,1418,1422,1426,1430,1434,1438,1442,1446,1450,1454,1458,1462,1466,1469,1473,1477,1481,1485,1489,1493,1497,1501,1505,1509,1513,1517,1521,1525,1529,1532,1536,1540,1544],{"path":1011,"title":1012,"description":1013},"\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":1015,"title":1016,"description":1017},"\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":1019,"title":1020,"description":1021},"\u002Fresources\u002Fmore\u002Fbin-sponsor-vs-issuer-processor-vs-program-manager","BIN sponsor vs. issuer-processor vs. program manager: who does what in a card program","The three roles behind every card program, stablecoin cards included: what each one does, who carries liability, and what to ask a provider.",{"path":1023,"title":1024,"description":1025},"\u002Fresources\u002Fmore\u002Fbest-real-time-cross-border-settlement-providers-2026","Best real-time cross-border settlement providers for fintechs in 2026: low fees compared","A 10-point checklist and a side-by-side of BlindPay, Wise Platform, Airwallex, Thunes, Bridge, and Circle for real-time, low-fee cross-border settlement.",{"path":1027,"title":1028,"description":1029},"\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":1031,"title":1032,"description":1033},"\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":1035,"title":1036,"description":1037},"\u002Fresources\u002Fmore\u002Fwhat-are-blockchain-payments","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":1039,"title":1040,"description":1041},"\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":1043,"title":1044,"description":1045},"\u002Fresources\u002Fmore\u002Fbridge-cards-and-blindpay-payouts","Bridge and BlindPay: stablecoin cards plus local-currency payouts in one stack","How a card program runs Bridge for stablecoin cards and wallets and BlindPay for bank funding and local payouts: architecture, flows, and who owns what.",{"path":1047,"title":1048,"description":1049},"\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":1051,"title":1052,"description":1053},"\u002Fresources\u002Fmore\u002Fbuild-vs-buy-stablecoin-card-program","Build vs. buy: should you build your own stablecoin card program?","Scoring build, assemble, and buy options for a stablecoin card program on network membership, BIN sponsorship, processing, compliance, time, and cost.",{"path":1055,"title":1056,"description":1057},"\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":1059,"title":1060,"description":1061},"\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":799,"title":1063,"description":1064},"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":1066,"title":1067,"description":1068},"\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":1070,"title":1071,"description":1072},"\u002Fresources\u002Fmore\u002Fcost-per-delivered-dollar","Cost per delivered dollar: the real cost of a cross-border payout","Cost per delivered dollar compares what you send with what lands, valued at the market rate. The formula, three worked setups, and 8 hidden costs.",{"path":1074,"title":1075,"description":1076},"\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":1078,"title":1079,"description":1080},"\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":1082,"title":1083,"description":1084},"\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":1086,"title":1087,"description":1088},"\u002Fresources\u002Fmore\u002Fstablecoin-payout-cut-off-times-weekends-holidays","Do stablecoin payouts work on weekends and holidays? 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Plus a 7-step audit for any quote.",{"path":1098,"title":1099,"description":1100},"\u002Fresources\u002Fmore\u002Fai-agents-live-fx-quotes-mcp","How AI agents get live FX quotes and pay out through MCP and Agent Skills","How an AI agent creates a live stablecoin quote, shows rate, fees, and expiry, waits for a human to confirm, and pays out through BlindPay's MCP server.",{"path":1102,"title":1103,"description":1104},"\u002Fresources\u002Fmore\u002Fpay-suppliers-brazil-mexico-from-us-bank-account","How a US company pays suppliers in Brazil and Mexico from a US bank account","Three ways to pay suppliers in Brazil and Mexico from dollars in a US bank account: an international wire, a fintech transfer, or USD to Pix or SPEI.",{"path":1106,"title":1107,"description":1108},"\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":1110,"title":1111,"description":1112},"\u002Fresources\u002Fmore\u002Fhow-stablecoin-card-issuers-make-money","How do stablecoin card issuers make money? Interchange, FX, and program economics","Where the revenue in a stablecoin card program comes from: interchange, FX, fees, and rewards, with an illustrative unit-economics model and the caps.",{"path":1114,"title":1115,"description":1116},"\u002Fresources\u002Fmore\u002Fhow-stablecoin-card-transactions-settle","How does a stablecoin card transaction work? Authorization, clearing, and settlement step by step","A $4.50 coffee and a $200 hotel hold, followed from tap to merchant payout: authorization, clearing, T+1 settlement, and how USDC becomes fiat at checkout.",{"path":1118,"title":1119,"description":1120},"\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":1122,"title":1123,"description":1124},"\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":1126,"title":1127,"description":1128},"\u002Fresources\u002Fmore\u002Flive-quotes-volatile-currencies-latin-america","How live quotes handle volatile currencies: BRL, MXN, COP, and ARS","A live quote locks one payout's rate, not your budget. How BRL, MXN, COP, and ARS rates are set, and how to design payouts around moving currencies.",{"path":1130,"title":1131,"description":1132},"\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":1134,"title":1135,"description":1136},"\u002Fresources\u002Fmore\u002Fhow-much-stablecoin-float-for-payouts","How much USDC should you hold to fund payouts? Sizing a stablecoin float without pre-funding","No pre-funding still means holding some USDC. How to size one stablecoin float for every payout corridor: lead time, safety stock, and a worked example.",{"path":1138,"title":1139,"description":1140},"\u002Fresources\u002Fmore\u002Fcross-border-payment-costs-2026","How much do cross-border payments cost in 2026? Fees by corridor and what counts as cheap","Sending $200 abroad costs 6.36% on average, per the World Bank. Here is where that money goes, how corridors differ, and what a cheap payment looks like.",{"path":1142,"title":1143,"description":1144},"\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":1146,"title":1147,"description":1148},"\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":1150,"title":1151,"description":1152},"\u002Fresources\u002Fmore\u002Fpartner-fees-markup-on-live-quotes","How platforms add their own margin to a live quote: partner fees explained","A partner fee is the markup a platform adds to a stablecoin quote. How to set percentage or flat fees, show them on the quote, and get paid each month.",{"path":1154,"title":1155,"description":1156},"\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":684,"title":1158,"description":1159},"How to calculate FX spread on an international payment (with worked examples)","FX spread % = (mid rate - offered rate) \u002F mid rate x 100. Here is how to get the mid rate, fix the quote direction, and price the spread in dollars.",{"path":1161,"title":1162,"description":1163},"\u002Fresources\u002Fmore\u002Fhow-to-choose-a-stablecoin-card-issuing-provider","How to choose a stablecoin card issuing provider: an 8-point framework and a neutral look at Bridge, Rain, BVNK, and Gnosis Pay","An 8-point framework for choosing a stablecoin card issuing provider, a neutral look at Bridge, Rain, BVNK, and Gnosis Pay, and the payout layer beside it.",{"path":1165,"title":1166,"description":1167},"\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":1169,"title":1170,"description":1171},"\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":1173,"title":1174,"description":1175},"\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":1177,"title":1178,"description":1179},"\u002Fresources\u002Fmore\u002Fstablecoin-api-30-day-evaluation-plan","How to evaluate a stablecoin API in 30 days: a week-by-week plan","A 30-day plan to evaluate a stablecoin API: shortlist, sandbox tests, compliance review, and a live pilot, plus where costs hide and a worked cost model.",{"path":1181,"title":1182,"description":1183},"\u002Fresources\u002Fmore\u002Fonramp-offramp-liquidity-scorecard","How to evaluate an on\u002Foff-ramp provider's liquidity: a 10-point scorecard","Score any on\u002Foff-ramp provider's liquidity from 0 to 20: binding quotes, lock length, expiry, fees, depth, pre-funding, custody, and pricing.",{"path":1185,"title":1186,"description":1187},"\u002Fresources\u002Fmore\u002Ffund-stablecoin-card-pix-spei","How to fund a stablecoin card with Pix or SPEI, and cash out what is left","The full top-up and cash-out loop for stablecoin cards in Brazil and Mexico: Pix and SPEI payins, where FX happens, timing, limits, and what to check.",{"path":1189,"title":1190,"description":1191},"\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":1193,"title":1194,"description":1195},"\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":1197,"title":1198,"description":1199},"\u002Fresources\u002Fmore\u002Fhow-to-launch-a-stablecoin-card-program","How to launch a stablecoin card program: a 9-step plan and who does what","A 9-step plan to launch a stablecoin card program: market, program manager, sponsor bank and BIN, processor, custody, compliance, funding, and payouts.",{"path":1201,"title":1202,"description":1203},"\u002Fresources\u002Fmore\u002Fhow-to-off-ramp-usdc-to-gbp-faster-payments","How to off-ramp USDC to GBP over UK Faster Payments: bank details, quotes, and timing","Turn USDC into pounds in a UK bank account over Faster Payments: sort code details, quotes in USDC or GBP, quote windows, timing, and a worked example.",{"path":1205,"title":1206,"description":1207},"\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":547,"title":1209,"description":1210},"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":1212,"title":1213,"description":1214},"\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":1216,"title":1217,"description":1218},"\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":1003,"title":5,"description":960},{"path":1221,"title":1222,"description":1223},"\u002Fresources\u002Fmore\u002Fhow-to-pay-invoices-with-stablecoins-api","How to pay invoices, boletos, and Pix codes with stablecoins through an API","Register the bill, quote it, pay it from USDC or USDT, and track two webhook streams. A developer guide to stablecoin bill pay, boleto gotchas included.",{"path":1225,"title":1226,"description":1227},"\u002Fresources\u002Fmore\u002Fbatch-stablecoin-payouts-live-quotes","How to run batch payouts with live quotes: one quote per payout, expiry, and rate drift","How to pay 100+ recipients from USDC with live quotes: quote and execute per payout, size the funding, handle expiry and retries, and track the batch.",{"path":1229,"title":1230,"description":1231},"\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":1233,"title":1234,"description":1235},"\u002Fresources\u002Fmore\u002Fhow-to-send-usdc-to-bank-account-mexico","How to send USDC to a bank account in Mexico: a step-by-step guide over SPEI","Send USDC to a Mexican bank account: verify the recipient, quote in pesos, fund from a wallet, and confirm on SPEI. Recipient data, statuses, and failures.",{"path":1237,"title":1238,"description":1239},"\u002Fresources\u002Fmore\u002Fcross-border-quote-screen-fee-disclosure","How to show a cross-border payment quote to users: rate, fees, and expiry","What a cross-border quote screen must show: amount sent, rate, fees, amount received, expiry, and delivery date, plus the CFPB and EU disclosure rules.",{"path":1241,"title":1242,"description":1243},"\u002Fresources\u002Fmore\u002Fhow-freelancers-spend-usdc","How to spend USDC as a freelancer: stablecoin card, exchange off-ramp, or local bank payout","Three ways to spend USDC as a freelancer: a stablecoin card, an exchange off-ramp, or a local payout over Pix, SPEI, or ACH, compared on speed and cost.",{"path":1245,"title":1246,"description":1247},"\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":1249,"title":1250,"description":1251},"\u002Fresources\u002Fmore\u002Ftest-offramp-liquidity-depth","How to test an off-ramp's liquidity depth before you commit: a quote-ladder protocol","Quote $500, $5,000, $50,000, and $250,000 at the same moment, three times a day, and compare the rate. The protocol, log table, and pass rule.",{"path":1253,"title":1254,"description":1255},"\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":1257,"title":1258,"description":1259},"\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":1261,"title":1262,"description":1263},"\u002Fresources\u002Fmore\u002Findicative-rate-vs-binding-quote-api","Indicative rate vs binding quote: how to show a live price before the user commits","An indicative rate previews a price. A binding quote locks it. How to show a live price while the user types, then lock it before they pay.",{"path":1265,"title":1266,"description":1267},"\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":1269,"title":1270,"description":1271},"\u002Fresources\u002Fmore\u002Fjust-in-time-vs-prefunded-stablecoin-cards","Just-in-time vs prefunded stablecoin cards: which funding model is better?","Just-in-time vs prefunded stablecoin cards for users and program operators: when conversion happens, top-up fees, float, declines, and tax timing compared.",{"path":1273,"title":1274,"description":1275},"\u002Fresources\u002Fmore\u002Flive-quote-vs-forward-contract-vs-fixed-rate","Live quote vs forward contract vs fixed rate: which FX tool fits a cross-border payout?","A live quote holds a rate for minutes, a forward locks one for a future date, a fixed rate holds a day. How each prices risk, and when treasury uses each.",{"path":1277,"title":1278,"description":1279},"\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":1281,"title":1282,"description":1283},"\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":1285,"title":1286,"description":1287},"\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":1289,"title":1290,"description":1291},"\u002Fresources\u002Fmore\u002Fon-ramp-widget-vs-api","On-ramp widget vs API: which integration fits your product?","Hosted on-ramp widget or API-first ramp? Compare who owns the UX, KYC, quotes, webhooks, branding, and compliance, plus a decision table and checklist.",{"path":1293,"title":1294,"description":1295},"\u002Fresources\u002Fmore\u002Fon-ramp-or-off-ramp-which-does-your-product-need","On-ramp, off-ramp, or both? How to tell which stablecoin API your product needs","Match your use case to the direction money moves: on-ramp, off-ramp, or both. Covers payroll, remittance, marketplaces, treasury, and 10 questions to ask.",{"path":1297,"title":1298,"description":1299},"\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":1301,"title":1302,"description":1303},"\u002Fresources\u002Fmore\u002Fonchain-settlement-vs-bank-settlement","Onchain settlement vs bank settlement: RTGS, ACH, cards, and blockchain finality compared","How onchain settlement compares with Fedwire, Pix, ACH, and card settlement: settlement asset, hours, finality, reversibility, and where payout risk sits.",{"path":1305,"title":1306,"description":1307},"\u002Fresources\u002Fmore\u002Fswift-pobo-vs-cobo-explained","POBO vs COBO: SWIFT payments and collections on behalf of, explained","POBO sends a SWIFT payment for a customer, COBO collects one for them. Whose name shows, how UETR tracking works, and where stablecoin settlement fits.",{"path":1309,"title":1310,"description":1311},"\u002Fresources\u002Fmore\u002Fpay-contractors-stablecoin-cards-or-payouts","Paying contractors and teams with stablecoins: cards, expense cards, or local payouts?","How to pay a global team with stablecoins: compare stablecoin cards, wallet payments, and local bank payouts by country, amount, frequency, and cost.",{"path":1313,"title":1314,"description":1315},"\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":1317,"title":1318,"description":1319},"\u002Fresources\u002Fmore\u002Fpayout-quality-metrics-slippage-expiry-rate","Payout quality metrics: realized slippage, quote expiry rate, and re-quote delta","Five metrics for a quote-based payout flow: realized slippage, expiry rate, re-quote delta, delivery success, and time to settle, with formulas and a log.",{"path":1321,"title":1322,"description":1323},"\u002Fresources\u002Fmore\u002Fpix-vs-spei","Pix vs SPEI: how Brazil's and Mexico's instant payment rails compare","Pix vs SPEI side by side: who runs each rail, how recipients are identified, hours, settlement, returns, and proof of payment for stablecoin payouts.",{"path":1325,"title":1326,"description":1327},"\u002Fresources\u002Fmore\u002Fhandle-expired-quotes-typescript-python","Quote-then-execute in TypeScript and Python: how to handle expired quotes and re-quotes","TypeScript and Python code for a stablecoin payout API: read expires_at, approve, execute with an idempotency key, and re-quote on QUOTES_EXPIRED.",{"path":1329,"title":1330,"description":1331},"\u002Fresources\u002Fmore\u002Fstablecoin-api-rfp-template","Stablecoin API RFP template: sections, scoring, and a vendor scorecard","How to write an RFP for a stablecoin API: the eight sections to include, pass or fail gates, 1 to 3 weighted scoring, a copyable scorecard, and a timeline.",{"path":1333,"title":1334,"description":1335},"\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":1337,"title":1338,"description":1339},"\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":1341,"title":1342,"description":1343},"\u002Fresources\u002Fmore\u002Fstablecoin-api-objects-explained","Stablecoin API objects explained: customers, bank accounts, wallets, quotes, payouts, and webhooks","The core objects behind a stablecoin API, how they relate, which IDs to store in your ledger, and 8 data-model mistakes that break payout integrations.",{"path":102,"title":1345,"description":1346},"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":1348,"title":1349,"description":1350},"\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":1352,"title":1353,"description":1354},"\u002Fresources\u002Fmore\u002Fstablecoin-api-webhooks-reconciliation","Stablecoin API webhooks: signature checks, duplicate events, and reconciliation","How to handle stablecoin API webhooks in production: verify signatures on raw bytes, dedupe retries, never regress a final status, reconcile daily.",{"path":1356,"title":1357,"description":1358},"\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":1360,"title":1361,"description":1362},"\u002Fresources\u002Fmore\u002Fstablecoin-card-fees-explained","Stablecoin card fees explained: spread, FX markup, ATM, and hidden costs","How to calculate the real cost of a stablecoin card: spread, FX markup, top-up, ATM, and inactivity fees, with a worked $1,500 example and a checklist.",{"path":1364,"title":1365,"description":1366},"\u002Fresources\u002Fmore\u002Fstablecoin-card-issuing-platforms-compared","Stablecoin card issuing platforms compared: Bridge, Rain, Stripe Issuing, and where BlindPay fits","Bridge, Rain, and Stripe Issuing with Bridge compared layer by layer from their own pages, plus the funding and payout layer BlindPay runs around a card.",{"path":1368,"title":1369,"description":1370},"\u002Fresources\u002Fmore\u002Fstablecoin-card-vs-pix-spei-payouts","Stablecoin card or Pix and SPEI payout? When each one wins in Brazil and Mexico","When a stablecoin card fits in Brazil and Mexico, when a Pix or SPEI payout wins, and how to combine both for spending, rent, payroll, and suppliers.",{"path":1372,"title":1373,"description":1374},"\u002Fresources\u002Fmore\u002Fstablecoin-card-program-architecture","Stablecoin card program architecture: from bank deposit to card spend to local payout","A reference architecture for a stablecoin card program: KYC, bank deposit, conversion, wallet, JIT funding, network settlement, and local-currency payout.",{"path":1376,"title":1377,"description":1378},"\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":1380,"title":1381,"description":1382},"\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":1384,"title":1385,"description":1386},"\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":1388,"title":1389,"description":1390},"\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":1392,"title":1393,"description":1394},"\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":916,"title":1396,"description":1397},"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":1399,"title":1400,"description":1401},"\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":1403,"title":1404,"description":1405},"\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":1407,"title":1408,"description":1409},"\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":1411,"title":1412,"description":1413},"\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":1415,"title":1416,"description":1417},"\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":1419,"title":1420,"description":1421},"\u002Fresources\u002Fmore\u002Fswift-instant-cross-border-scheme-vs-stablecoins","Swift's new payments scheme and blockchain ledger vs stablecoins: what changes in 2026","Swift launched a retail payments scheme in June 2026 and a blockchain ledger pilot in July. What each one changes, and how they compare with stablecoins.",{"path":1423,"title":1424,"description":1425},"\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":1427,"title":1428,"description":1429},"\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":1431,"title":1432,"description":1433},"\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":1435,"title":1436,"description":1437},"\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":1439,"title":1440,"description":1441},"\u002Fresources\u002Fmore\u002Fstablecoin-card-for-travel","Using a stablecoin card abroad: FX rates, markups, ATM fees, and when a normal debit card is cheaper","How a stablecoin card prices purchases abroad: network FX rates, issuer markups, currency conversion, ATM fees, and when a fintech debit card costs less.",{"path":1443,"title":1444,"description":1445},"\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":1447,"title":1448,"description":1449},"\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":1451,"title":1452,"description":1453},"\u002Fresources\u002Fmore\u002Fvirtual-account-vs-wallet-address-vs-payment-link","Virtual account vs wallet address vs payment link: how to collect in stablecoins","Three ways to collect money that ends in stablecoins: a virtual account, a deposit wallet address, or a payment link. Compare rails, refunds, KYC, and fit.",{"path":1455,"title":1456,"description":1457},"\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":1459,"title":1460,"description":1461},"\u002Fresources\u002Fmore\u002Fvirtual-account-vs-one-time-deposit-instructions","Virtual accounts vs one-time deposit instructions: how to collect bank transfers as stablecoins","One-time deposit instructions suit occasional payers and local rails. Virtual accounts suit repeat US payers. How each matches deposits and when to switch.",{"path":1463,"title":1464,"description":1465},"\u002Fresources\u002Fmore\u002Fnostro-vostro-accounts-explained","What are nostro and vostro accounts? And why they force pre-funding","A nostro account is a bank's account at a foreign bank, in that bank's currency. A vostro is the same account seen from the other side. Why both trap cash.",{"path":542,"title":1467,"description":1468},"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":1470,"title":1471,"description":1472},"\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":1474,"title":1475,"description":1476},"\u002Fresources\u002Fmore\u002Fherstatt-risk-fx-settlement-risk","What is Herstatt risk? FX settlement risk, PvP, and what real-time settlement changes","Herstatt risk is paying your side of an FX trade and never getting the other. What happened in 1974, how PvP removes it, and where it remains.",{"path":1478,"title":1479,"description":1480},"\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":1482,"title":1483,"description":1484},"\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":1486,"title":1487,"description":1488},"\u002Fresources\u002Fmore\u002Fwhat-is-a-market-maker-stablecoin-payments","What is a market maker in stablecoin payments? How they set the rate on your quote","A market maker quotes a buy and a sell price and earns the gap. Who they are in stablecoin payments, how they shape your quote, and what to ask.",{"path":1490,"title":1491,"description":1492},"\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":1494,"title":1495,"description":1496},"\u002Fresources\u002Fmore\u002Fwhat-is-a-virtual-account","What is a virtual account? 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The five layers, how stablecoin settlement fits, and how it differs from a gateway.",{"path":1502,"title":1503,"description":1504},"\u002Fresources\u002Fmore\u002Fprefunding-and-collateral-in-card-issuing","What is prefunding in card issuing, and how do stablecoins reduce it?","Why card programs park cash before anyone spends, how weekends and holidays inflate the buffer, and how daily stablecoin settlement shrinks it.",{"path":1506,"title":1507,"description":1508},"\u002Fresources\u002Fmore\u002Fwhat-is-real-time-cross-border-settlement","What is real-time cross-border settlement? A 2026 guide","Real-time cross-border settlement means the recipient can use the money minutes after you send it. Which rails do it, what it costs, and where it stops.",{"path":1510,"title":1511,"description":1512},"\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":1514,"title":1515,"description":1516},"\u002Fresources\u002Fmore\u002Fwhen-not-to-use-blockchain-payments","When not to use blockchain payments: 7 cases where a bank rail wins","Blockchain payments beat wires on many corridors, not all of them. Seven cases where a domestic rail, a card, or a plain wire is still the better choice.",{"path":1518,"title":1519,"description":1520},"\u002Fresources\u002Fmore\u002Fwhere-is-the-exchange-rate-set-onramp-offramp","Where does the exchange rate get fixed in an on-ramp and off-ramp? A step-by-step map","A USD on-ramp and a USDC to BRL Pix off-ramp, step by step: who does what, where the exchange rate is locked, where fees apply, and what expiry changes.",{"path":1522,"title":1523,"description":1524},"\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":1526,"title":1527,"description":1528},"\u002Fresources\u002Fmore\u002Finstant-payment-systems-by-country","Which countries have instant payment systems? A 2026 reference table","Pix, SPEI, RTP, FedNow, SEPA Instant, Faster Payments, UPI, Bre-B, and more: who runs each instant payment system, when it launched, its hours, and limits.",{"path":721,"title":1530,"description":1531},"Who carries FX risk in a stablecoin payout? A step-by-step map, and why quotes expire","You carry FX risk until you lock a quote, the provider carries it inside the window, and it comes back to you on a refund. Step-by-step map and math.",{"path":1533,"title":1534,"description":1535},"\u002Fresources\u002Fmore\u002Fwho-pays-gas-fees-stablecoin-payments","Who pays gas fees in stablecoin payments?","Who pays network fees in each stablecoin payment flow, how gas works on Ethereum, Solana, Tron, Stellar, and Arc, and how to compare it across providers.",{"path":1537,"title":1538,"description":1539},"\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":1541,"title":1542,"description":1543},"\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.",{"path":1545,"title":1546,"description":1547},"\u002Fresources\u002Fmore\u002Fwhy-google-rate-differs-from-quote","Why is the rate on Google different from my off-ramp quote?","Google shows a delayed mid-market reference. An off-ramp quote is a price you can execute. Why the two differ, and how to measure the gap in bps.",1792077642848]