[{"data":1,"prerenderedAt":1024},["ShallowReactive",2],{"content-\u002Fresources\u002Fmore\u002Fwho-pays-gas-fees-stablecoin-payments":3,"resources-category-who-pays-gas-fees-stablecoin-payments":668},{"id":4,"title":5,"authors":6,"body":7,"categories":6,"category":636,"categoryType":6,"compare":6,"contributors":6,"date":637,"description":638,"extension":639,"faq":640,"howto":6,"isBlog":659,"isChangelog":659,"meta":660,"navigation":662,"path":663,"pillar":659,"products":6,"rawbody":664,"role":6,"seo":665,"seoTitle":5,"stem":666,"thumbnail":6,"updated":637,"__hash__":667},"content\u002Fresources\u002Fmore\u002Fwho-pays-gas-fees-stablecoin-payments.md","Who pays gas fees in stablecoin payments?",null,{"type":8,"value":9,"toc":624},"minimark",[10,14,17,23,42,51,56,59,69,72,79,83,86,178,186,190,193,306,309,358,366,370,373,412,415,419,422,425,428,474,477,489,493,496,534,542,546,549,553,556,577,583,589,600,618,621],[11,12,13],"p",{},"In a stablecoin payment, gas is paid by whoever submits the onchain transaction, in that chain's fee token. If you sign from your own wallet, you pay. If a provider moves the funds, the provider pays and recovers it in its pricing. Gas is a fixed cost per transaction, so it matters most on small payouts.",[11,15,16],{},"That's the whole rule. The rest of this page is about where it bites: which step you sign, which token each chain wants, and how gas shows up on a quote when you never see it as a line item.",[11,18,19],{},[20,21,22],"strong",{},"Key takeaways",[24,25,26,30,33,36,39],"ul",{},[27,28,29],"li",{},"Gas follows the signer. Every signed transaction costs the signer a network fee.",[27,31,32],{},"Each chain charges in its own token: ETH, SOL, TRX, XLM, POL, or USDC on Arc.",[27,34,35],{},"Failed transactions still pay gas on Ethereum, so retries cost money.",[27,37,38],{},"Gas is per transaction, not per dollar. A small payout feels it; a large one barely does.",[27,40,41],{},"Providers fold gas into a flat fee per network, a minimum, or the spread. Compare all-in cost per payout.",[11,43,44,45,50],{},"Gas is one layer in a bigger stack. For the full picture, start with ",[46,47,49],"a",{"href":48},"\u002Fresources\u002Fmore\u002Fwhat-is-stablecoin-infrastructure","what stablecoin infrastructure is",".",[52,53,55],"h2",{"id":54},"what-is-a-gas-fee-in-a-stablecoin-payment","What is a gas fee in a stablecoin payment?",[11,57,58],{},"A gas fee is the network fee paid to the validators who process a blockchain transaction. A stablecoin transfer is a call to a token contract, so it pays gas like any other transaction, in the chain's fee token rather than in the stablecoin.",[11,60,61,62,68],{},"On Ethereum, ",[46,63,67],{"href":64,"rel":65},"https:\u002F\u002Fethereum.org\u002Fen\u002Fdevelopers\u002Fdocs\u002Fgas\u002F",[66],"nofollow","the fee is gas used times the base fee plus a priority fee",", paid in ETH. The base fee is burned and the priority fee is a tip to the validator. A plain ETH transfer uses 21,000 units of gas; a token transfer uses more, because it runs contract code.",[11,70,71],{},"One detail matters for operations: Ethereum charges the fee \"regardless of whether a transaction succeeds or fails.\" A reverted approval still costs money.",[11,73,74,75,50],{},"If you want the full signing, broadcast, and confirmation sequence, see ",[46,76,78],{"href":77},"\u002Fresources\u002Fmore\u002Fwhat-happens-on-chain-in-a-stablecoin-payment","what happens onchain in a stablecoin payment",[52,80,82],{"id":81},"who-pays-gas-in-each-stablecoin-payment-flow","Who pays gas in each stablecoin payment flow?",[11,84,85],{},"The signer pays. So the useful question is which party signs a transaction at each step.",[87,88,89,108],"table",{},[90,91,92],"thead",{},[93,94,95,99,102,105],"tr",{},[96,97,98],"th",{},"Flow",[96,100,101],{},"Who signs onchain",[96,103,104],{},"Who pays gas",[96,106,107],{},"How the cost reaches you",[109,110,111,126,139,151,165],"tbody",{},[93,112,113,117,120,123],{},[114,115,116],"td",{},"Payout funded from your own wallet",[114,118,119],{},"You (approval, delegation, or transfer)",[114,121,122],{},"You, on what you sign",[114,124,125],{},"Directly, in the chain's fee token",[93,127,128,131,134,136],{},[114,129,130],{},"Payout funded from a provider-held balance",[114,132,133],{},"The provider",[114,135,133],{},[114,137,138],{},"Inside the provider's fee or spread",[93,140,141,144,146,148],{},[114,142,143],{},"Bank transfer in, stablecoins delivered to a wallet",[114,145,133],{},[114,147,133],{},[114,149,150],{},"Inside the on-ramp fee or spread",[93,152,153,156,159,162],{},[114,154,155],{},"Stablecoins sent to a deposit address that auto-converts",[114,157,158],{},"The sender, then the provider",[114,160,161],{},"Sender on the deposit, provider after",[114,163,164],{},"Sender pays directly; the rest is in the provider's fee",[93,166,167,170,173,175],{},[114,168,169],{},"Stablecoins sent wallet to wallet",[114,171,172],{},"The sender",[114,174,172],{},[114,176,177],{},"Directly",[11,179,180,181,185],{},"If nobody on your side ever signs, you never pay gas directly. You still pay it, in the price. ",[46,182,184],{"href":183},"\u002Fresources\u002Fmore\u002Fdo-you-need-a-crypto-wallet-for-stablecoin-payments","Whether you need a wallet at all"," is the same question seen from the custody side.",[52,187,189],{"id":188},"how-does-gas-work-on-each-stablecoin-network","How does gas work on each stablecoin network?",[11,191,192],{},"Each chain has its own fee token and its own pricing model. The table sticks to what each network's own documentation says, as of October 2026.",[87,194,195,211],{},[90,196,197],{},[93,198,199,202,205,208],{},[96,200,201],{},"Network",[96,203,204],{},"Fee paid in",[96,206,207],{},"How the fee is set",[96,209,210],{},"Who pays by default",[109,212,213,227,239,252,265,279,292],{},[93,214,215,218,221,224],{},[114,216,217],{},"Ethereum",[114,219,220],{},"ETH",[114,222,223],{},"Gas used × (base fee + priority fee); base fee burned",[114,225,226],{},"Sender",[93,228,229,232,234,237],{},[114,230,231],{},"Base, Arbitrum",[114,233,220],{},[114,235,236],{},"Layer 2 execution fee plus a share of layer 1 data cost",[114,238,226],{},[93,240,241,244,247,250],{},[114,242,243],{},"Polygon PoS",[114,245,246],{},"POL",[114,248,249],{},"Gas used × gas price",[114,251,226],{},[93,253,254,257,260,263],{},[114,255,256],{},"Arc",[114,258,259],{},"USDC",[114,261,262],{},"USDC is the native gas token",[114,264,226],{},[93,266,267,270,273,276],{},[114,268,269],{},"Solana",[114,271,272],{},"SOL",[114,274,275],{},"5,000 lamports per signature, plus an optional priority fee",[114,277,278],{},"The transaction's fee payer",[93,280,281,284,287,290],{},[114,282,283],{},"Tron",[114,285,286],{},"TRX, or staked Bandwidth and Energy",[114,288,289],{},"Resources consumed; TRX burned when stake runs short",[114,291,226],{},[93,293,294,297,300,303],{},[114,295,296],{},"Stellar",[114,298,299],{},"XLM",[114,301,302],{},"At least 100 stroops per operation",[114,304,305],{},"Source account, unless a fee-bump says otherwise",[11,307,308],{},"A few details worth knowing:",[24,310,311,323,335,347],{},[27,312,313,316,317,322],{},[20,314,315],{},"Solana."," Its ",[46,318,321],{"href":319,"rel":320},"https:\u002F\u002Fsolana.com\u002Fdocs\u002Fcore\u002Ffees",[66],"fee documentation"," sets a base fee of 5,000 lamports per signature, split 50% burned and 50% to the validator. Priority fees go fully to the validator.",[27,324,325,328,329,334],{},[20,326,327],{},"Tron."," Tron meters ",[46,330,333],{"href":331,"rel":332},"https:\u002F\u002Fdevelopers.tron.network\u002Fdocs\u002Fresource-model",[66],"Bandwidth and Energy"," instead of gas. Each account gets up to 600 free Bandwidth per rolling 24 hours, but Energy, which smart contract calls like a USDT transfer consume, has no free quota. Without staked TRX or delegated Energy, the network burns TRX from the sender.",[27,336,337,340,341,346],{},[20,338,339],{},"Stellar."," The ",[46,342,345],{"href":343,"rel":344},"https:\u002F\u002Fdevelopers.stellar.org\u002Fdocs\u002Flearn\u002Ffundamentals\u002Ffees-resource-limits-metering",[66],"minimum fee is 100 stroops per operation",", and a stroop is one ten-millionth of an XLM. Fees come from the source account unless a fee-bump transaction names another payer.",[27,348,349,352,353,357],{},[20,350,351],{},"Arc."," BlindPay's ",[46,354,356],{"href":355},"\u002Fdocs\u002Fkb\u002Fsupported-chains","supported chains reference"," notes that Arc uses USDC as its native gas token, so a sender holding only USDC can still pay its own fee.",[11,359,360,361,365],{},"Which chain is cheapest to move value on is a separate decision with more inputs than gas. ",[46,362,364],{"href":363},"\u002Fresources\u002Fmore\u002Fbest-network-to-off-ramp-stablecoins","The best network to off-ramp stablecoins"," covers that trade-off.",[52,367,369],{"id":368},"can-someone-else-pay-the-gas-for-you","Can someone else pay the gas for you?",[11,371,372],{},"Yes. Fee sponsorship exists on most chains, but each does it differently.",[374,375,376,388,394,400,406],"ol",{},[27,377,378,381,382,387],{},[20,379,380],{},"ERC-4337 paymasters (EVM chains)."," ",[46,383,386],{"href":384,"rel":385},"https:\u002F\u002Feips.ethereum.org\u002FEIPS\u002Feip-4337",[66],"ERC-4337"," defines a paymaster as \"a helper contract that agrees to pay for the transaction, instead of the sender itself.\" It lets an app sponsor its users' gas or accept fees in an ERC-20 token. It works with smart contract accounts, not plain key-based accounts.",[27,389,390,393],{},[20,391,392],{},"Fee-bump transactions (Stellar)."," A second account wraps the transaction and pays the fee.",[27,395,396,399],{},[20,397,398],{},"Separate fee payer (Solana)."," The fee payer on a transaction doesn't have to be the token owner.",[27,401,402,405],{},[20,403,404],{},"Delegated Energy (Tron)."," An account with staked TRX can delegate Energy to another account, so the sender doesn't burn TRX.",[27,407,408,411],{},[20,409,410],{},"Provider-submitted transfers (any chain)."," The simplest form. The provider holds the funds, signs the transfer, and pays gas itself.",[11,413,414],{},"Sponsorship moves the cost; it doesn't remove it. Somebody budgets for it.",[52,416,418],{"id":417},"why-do-gas-fees-matter-more-for-small-payouts","Why do gas fees matter more for small payouts?",[11,420,421],{},"Gas is a cost per transaction. It doesn't scale with the amount, so its share of the payment shrinks as the payment grows.",[11,423,424],{},"Here's a worked example. The numbers are hypothetical, chosen to show the math, and describe no real network on any particular day.",[11,426,427],{},"Assume a gas cost of $0.40 per payout on some chain.",[87,429,430,440],{},[90,431,432],{},[93,433,434,437],{},[96,435,436],{},"Payout size",[96,438,439],{},"Gas as % of payout",[109,441,442,450,458,466],{},[93,443,444,447],{},[114,445,446],{},"$20",[114,448,449],{},"2.00%",[93,451,452,455],{},[114,453,454],{},"$200",[114,456,457],{},"0.20%",[93,459,460,463],{},[114,461,462],{},"$2,000",[114,464,465],{},"0.02%",[93,467,468,471],{},[114,469,470],{},"$20,000",[114,472,473],{},"0.002%",[11,475,476],{},"A marketplace paying thousands of small creator payouts feels gas. A treasury paying a few large invoices barely notices it. If your payouts are small, batch them where the product allows it, pick a cheaper network, or prefer a provider that prices network costs as a flat amount you can model.",[11,478,479,483,484,488],{},[46,480,482],{"href":481},"\u002Fresources\u002Fmore\u002Fstablecoin-payment-fees-vs-card-processing-fees","Stablecoin payment fees vs card processing fees"," puts the full cost stack next to cards, and ",[46,485,487],{"href":486},"\u002Fresources\u002Fmore\u002Fstablecoin-off-ramp-fees-explained","stablecoin off-ramp fees explained"," breaks down the conversion side.",[52,490,492],{"id":491},"how-do-you-compare-gas-costs-between-stablecoin-providers","How do you compare gas costs between stablecoin providers?",[11,494,495],{},"You rarely see gas as its own line. Compare what lands, not what's listed.",[374,497,498,504,510,516,522,528],{},[27,499,500,503],{},[20,501,502],{},"Fix the route."," Same corridor, same token, same network, same amount.",[27,505,506,509],{},[20,507,508],{},"Ask which steps you sign."," Every step you sign is gas you pay on top of the quote.",[27,511,512,515],{},[20,513,514],{},"Ask how network costs are priced."," A flat fee per network, a minimum, or inside the spread.",[27,517,518,521],{},[20,519,520],{},"Request the all-in amount."," Amount sent versus amount received, at your real payout size.",[27,523,524,527],{},[20,525,526],{},"Ask what happens on a failed transaction."," Who absorbs gas on a revert or a retry.",[27,529,530,533],{},[20,531,532],{},"Run it at two sizes."," Your median payout and your smallest common payout.",[11,535,536,537,541],{},"The provider with the lowest percentage fee can lose on small payouts once a flat network fee lands. ",[46,538,540],{"href":539},"\u002Fresources\u002Fmore\u002Fstablecoin-api-pricing-explained","Stablecoin API pricing explained"," covers how to read the rest of the quote.",[52,543,545],{"id":544},"what-are-the-limits-of-this-guide","What are the limits of this guide?",[11,547,548],{},"Gas markets move. Base fees on Ethereum rise and fall with demand, Solana priority fees spike during congestion, and Tron's resource prices are chain parameters that can change. Treat any per-transaction number as a snapshot. This page doesn't cover gas on bridging, swaps, or cross-chain transfers, which add their own fees, and it doesn't cover Tempo's fee model.",[52,550,552],{"id":551},"how-does-blindpay-handle-gas-fees","How does BlindPay handle gas fees?",[11,554,555],{},"On BlindPay, who pays gas depends on where the stablecoins come from.",[11,557,558,561,562,566,567,571,572,576],{},[20,559,560],{},"Payouts from your own wallet."," You sign one authorization and pay gas on it. On EVM chains that's an ERC-20 ",[563,564,565],"code",{},"approve"," letting BlindPay pull the quoted amount, so the sending wallet needs a little of the chain's gas token (",[46,568,570],{"href":569},"\u002Fdocs\u002Fpayout-evm","payout with EVM","). On Solana, the sender signs a token delegation. On Stellar, which has no allowance mechanism, the sender signs and submits a payment to BlindPay's treasury address, so the sender's account pays the Stellar fee (",[46,573,575],{"href":574},"\u002Fdocs\u002Fpayout-stellar","payout with Stellar",").",[11,578,579,582],{},[20,580,581],{},"Payouts from a managed wallet."," No approval, no signed transaction, no gas on your side. BlindPay custodies the balance and moves it directly. Managed wallets are in beta.",[11,584,585,588],{},[20,586,587],{},"Payins and virtual accounts."," BlindPay delivers the stablecoins to the destination wallet. If a delivery transaction gets replaced during a gas spike, BlindPay resolves the transaction that actually landed.",[11,590,591,594,595,599],{},[20,592,593],{},"Offramp wallets."," The sender pays gas to deposit. After that, BlindPay converts and pays out, charging a fixed ",[46,596,598],{"href":597},"\u002Fdocs\u002Fofframp-wallets","additional fee per chain",": 15 USDT on Tron, 1 USDC on Ethereum, 0.50 USDC on Solana, and none on Polygon, Base, Arbitrum, Tempo, or Arc.",[11,601,602,340,605,609,610,613,614,617],{},[20,603,604],{},"Pricing.",[46,606,608],{"href":607},"\u002Fdocs\u002Flearn\u002Fbilling","fee schedule endpoint"," returns the flat and percentage payout and payin fee for each blockchain network on your instance, and every quote shows the sender amount, receiver amount, and fees before you execute. ",[563,611,612],{},"cover_fees"," decides whether fees come out of what the recipient receives or are added to what the sender sends. Transfers also report a ",[563,615,616],{},"gas_fee"," on each tracked step.",[11,619,620],{},"Recipients get local currency over Pix, SPEI, ACH, RTP, SEPA, and SWIFT (POBO\u002FCOBO), and BlindPay settles across nine networks: Ethereum, Polygon, Base, Arbitrum, Tempo, Arc, Stellar, Solana, and Tron.",[11,622,623],{},"Want to see what gas does to your payout size? Pull your instance's fee schedule, then quote the same payout on two networks and compare the receiver amounts.",{"title":625,"searchDepth":626,"depth":626,"links":627},"",2,[628,629,630,631,632,633,634,635],{"id":54,"depth":626,"text":55},{"id":81,"depth":626,"text":82},{"id":188,"depth":626,"text":189},{"id":368,"depth":626,"text":369},{"id":417,"depth":626,"text":418},{"id":491,"depth":626,"text":492},{"id":544,"depth":626,"text":545},{"id":551,"depth":626,"text":552},"payments","2026-10-04","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.","md",[641,644,647,650,653,656],{"q":642,"a":643},"Who pays the gas fee on a stablecoin transfer?","The account that submits the transaction pays it, in the chain's fee token. On Ethereum that is ETH, on Solana SOL, on Tron TRX or staked resources, and on Stellar XLM. When a provider submits the transfer for you, the provider pays the gas and recovers the cost through its own fees. When you sign from your own wallet, you pay.",{"q":645,"a":646},"Can you pay gas fees in USDC?","On most chains, not directly, because gas is paid in the native token. There are two exceptions to look for. Some chains, such as Arc, use USDC as the native gas token. On EVM chains, an ERC-4337 paymaster contract can let users pay fees in an ERC-20 token or have a third party sponsor the fee entirely. Both need support from your wallet or provider.",{"q":648,"a":649},"Do you pay gas if a stablecoin transaction fails?","Usually yes. Ethereum's documentation says the fee is paid whether a transaction succeeds or fails, because validators still did the work of processing it. Other chains behave similarly for transactions that reach the network. This is why a failed approval or a reverted transfer still costs money, and why providers retry carefully instead of resubmitting blindly.",{"q":651,"a":652},"Why do stablecoin providers charge different fees per blockchain?","Because moving tokens costs different amounts on each chain, and providers pass some of that through. A transfer on Ethereum mainnet costs more in gas than one on a layer 2 network or Solana, and Tron transfers burn TRX unless the sender has staked resources. Providers price this as a flat fee per network, a minimum amount, or inside the spread.",{"q":654,"a":655},"Do gas fees matter for large stablecoin payments?","Much less than for small ones. Gas is mostly a fixed cost per transaction, so it does not grow with the amount sent. A fee of a few cents is noise on a 10,000 dollar supplier payment and a real percentage on a 20 dollar payout. Model gas per payout at your typical payout size, not as a percentage of volume.",{"q":657,"a":658},"What is a paymaster in stablecoin payments?","A paymaster is a smart contract defined in ERC-4337 that agrees to pay for a transaction instead of the sender. It lets an app sponsor its users' gas or accept fees in an ERC-20 token like USDC. It applies to smart contract accounts on EVM chains, so it does not help on Tron, Stellar, or Solana, which handle fee sponsorship differently.",false,{"author":661},"BlindPay Team",true,"\u002Fresources\u002Fmore\u002Fwho-pays-gas-fees-stablecoin-payments","---\ntitle: \"Who pays gas fees in stablecoin payments?\"\nseoTitle: \"Who pays gas fees in stablecoin payments?\"\ndescription: \"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.\"\ndate: \"2026-10-04\"\nupdated: \"2026-10-04\"\ncategory: \"payments\"\nauthor: \"BlindPay Team\"\nfaq:\n  - q: \"Who pays the gas fee on a stablecoin transfer?\"\n    a: \"The account that submits the transaction pays it, in the chain's fee token. On Ethereum that is ETH, on Solana SOL, on Tron TRX or staked resources, and on Stellar XLM. When a provider submits the transfer for you, the provider pays the gas and recovers the cost through its own fees. When you sign from your own wallet, you pay.\"\n  - q: \"Can you pay gas fees in USDC?\"\n    a: \"On most chains, not directly, because gas is paid in the native token. There are two exceptions to look for. Some chains, such as Arc, use USDC as the native gas token. On EVM chains, an ERC-4337 paymaster contract can let users pay fees in an ERC-20 token or have a third party sponsor the fee entirely. Both need support from your wallet or provider.\"\n  - q: \"Do you pay gas if a stablecoin transaction fails?\"\n    a: \"Usually yes. Ethereum's documentation says the fee is paid whether a transaction succeeds or fails, because validators still did the work of processing it. Other chains behave similarly for transactions that reach the network. This is why a failed approval or a reverted transfer still costs money, and why providers retry carefully instead of resubmitting blindly.\"\n  - q: \"Why do stablecoin providers charge different fees per blockchain?\"\n    a: \"Because moving tokens costs different amounts on each chain, and providers pass some of that through. A transfer on Ethereum mainnet costs more in gas than one on a layer 2 network or Solana, and Tron transfers burn TRX unless the sender has staked resources. Providers price this as a flat fee per network, a minimum amount, or inside the spread.\"\n  - q: \"Do gas fees matter for large stablecoin payments?\"\n    a: \"Much less than for small ones. Gas is mostly a fixed cost per transaction, so it does not grow with the amount sent. A fee of a few cents is noise on a 10,000 dollar supplier payment and a real percentage on a 20 dollar payout. Model gas per payout at your typical payout size, not as a percentage of volume.\"\n  - q: \"What is a paymaster in stablecoin payments?\"\n    a: \"A paymaster is a smart contract defined in ERC-4337 that agrees to pay for a transaction instead of the sender. It lets an app sponsor its users' gas or accept fees in an ERC-20 token like USDC. It applies to smart contract accounts on EVM chains, so it does not help on Tron, Stellar, or Solana, which handle fee sponsorship differently.\"\n---\n\nIn a stablecoin payment, gas is paid by whoever submits the onchain transaction, in that chain's fee token. If you sign from your own wallet, you pay. If a provider moves the funds, the provider pays and recovers it in its pricing. Gas is a fixed cost per transaction, so it matters most on small payouts.\n\nThat's the whole rule. The rest of this page is about where it bites: which step you sign, which token each chain wants, and how gas shows up on a quote when you never see it as a line item.\n\n**Key takeaways**\n\n- Gas follows the signer. Every signed transaction costs the signer a network fee.\n- Each chain charges in its own token: ETH, SOL, TRX, XLM, POL, or USDC on Arc.\n- Failed transactions still pay gas on Ethereum, so retries cost money.\n- Gas is per transaction, not per dollar. A small payout feels it; a large one barely does.\n- Providers fold gas into a flat fee per network, a minimum, or the spread. Compare all-in cost per payout.\n\nGas is one layer in a bigger stack. For the full picture, start with [what stablecoin infrastructure is](\u002Fresources\u002Fmore\u002Fwhat-is-stablecoin-infrastructure).\n\n## What is a gas fee in a stablecoin payment?\n\nA gas fee is the network fee paid to the validators who process a blockchain transaction. A stablecoin transfer is a call to a token contract, so it pays gas like any other transaction, in the chain's fee token rather than in the stablecoin.\n\nOn Ethereum, [the fee is gas used times the base fee plus a priority fee](https:\u002F\u002Fethereum.org\u002Fen\u002Fdevelopers\u002Fdocs\u002Fgas\u002F), paid in ETH. The base fee is burned and the priority fee is a tip to the validator. A plain ETH transfer uses 21,000 units of gas; a token transfer uses more, because it runs contract code.\n\nOne detail matters for operations: Ethereum charges the fee \"regardless of whether a transaction succeeds or fails.\" A reverted approval still costs money.\n\nIf you want the full signing, broadcast, and confirmation sequence, see [what happens onchain in a stablecoin payment](\u002Fresources\u002Fmore\u002Fwhat-happens-on-chain-in-a-stablecoin-payment).\n\n## Who pays gas in each stablecoin payment flow?\n\nThe signer pays. So the useful question is which party signs a transaction at each step.\n\n| Flow | Who signs onchain | Who pays gas | How the cost reaches you |\n| --- | --- | --- | --- |\n| Payout funded from your own wallet | You (approval, delegation, or transfer) | You, on what you sign | Directly, in the chain's fee token |\n| Payout funded from a provider-held balance | The provider | The provider | Inside the provider's fee or spread |\n| Bank transfer in, stablecoins delivered to a wallet | The provider | The provider | Inside the on-ramp fee or spread |\n| Stablecoins sent to a deposit address that auto-converts | The sender, then the provider | Sender on the deposit, provider after | Sender pays directly; the rest is in the provider's fee |\n| Stablecoins sent wallet to wallet | The sender | The sender | Directly |\n\nIf nobody on your side ever signs, you never pay gas directly. You still pay it, in the price. [Whether you need a wallet at all](\u002Fresources\u002Fmore\u002Fdo-you-need-a-crypto-wallet-for-stablecoin-payments) is the same question seen from the custody side.\n\n## How does gas work on each stablecoin network?\n\nEach chain has its own fee token and its own pricing model. The table sticks to what each network's own documentation says, as of October 2026.\n\n| Network | Fee paid in | How the fee is set | Who pays by default |\n| --- | --- | --- | --- |\n| Ethereum | ETH | Gas used × (base fee + priority fee); base fee burned | Sender |\n| Base, Arbitrum | ETH | Layer 2 execution fee plus a share of layer 1 data cost | Sender |\n| Polygon PoS | POL | Gas used × gas price | Sender |\n| Arc | USDC | USDC is the native gas token | Sender |\n| Solana | SOL | 5,000 lamports per signature, plus an optional priority fee | The transaction's fee payer |\n| Tron | TRX, or staked Bandwidth and Energy | Resources consumed; TRX burned when stake runs short | Sender |\n| Stellar | XLM | At least 100 stroops per operation | Source account, unless a fee-bump says otherwise |\n\nA few details worth knowing:\n\n- **Solana.** Its [fee documentation](https:\u002F\u002Fsolana.com\u002Fdocs\u002Fcore\u002Ffees) sets a base fee of 5,000 lamports per signature, split 50% burned and 50% to the validator. Priority fees go fully to the validator.\n- **Tron.** Tron meters [Bandwidth and Energy](https:\u002F\u002Fdevelopers.tron.network\u002Fdocs\u002Fresource-model) instead of gas. Each account gets up to 600 free Bandwidth per rolling 24 hours, but Energy, which smart contract calls like a USDT transfer consume, has no free quota. Without staked TRX or delegated Energy, the network burns TRX from the sender.\n- **Stellar.** The [minimum fee is 100 stroops per operation](https:\u002F\u002Fdevelopers.stellar.org\u002Fdocs\u002Flearn\u002Ffundamentals\u002Ffees-resource-limits-metering), and a stroop is one ten-millionth of an XLM. Fees come from the source account unless a fee-bump transaction names another payer.\n- **Arc.** BlindPay's [supported chains reference](\u002Fdocs\u002Fkb\u002Fsupported-chains) notes that Arc uses USDC as its native gas token, so a sender holding only USDC can still pay its own fee.\n\nWhich chain is cheapest to move value on is a separate decision with more inputs than gas. [The best network to off-ramp stablecoins](\u002Fresources\u002Fmore\u002Fbest-network-to-off-ramp-stablecoins) covers that trade-off.\n\n## Can someone else pay the gas for you?\n\nYes. Fee sponsorship exists on most chains, but each does it differently.\n\n1. **ERC-4337 paymasters (EVM chains).** [ERC-4337](https:\u002F\u002Feips.ethereum.org\u002FEIPS\u002Feip-4337) defines a paymaster as \"a helper contract that agrees to pay for the transaction, instead of the sender itself.\" It lets an app sponsor its users' gas or accept fees in an ERC-20 token. It works with smart contract accounts, not plain key-based accounts.\n2. **Fee-bump transactions (Stellar).** A second account wraps the transaction and pays the fee.\n3. **Separate fee payer (Solana).** The fee payer on a transaction doesn't have to be the token owner.\n4. **Delegated Energy (Tron).** An account with staked TRX can delegate Energy to another account, so the sender doesn't burn TRX.\n5. **Provider-submitted transfers (any chain).** The simplest form. The provider holds the funds, signs the transfer, and pays gas itself.\n\nSponsorship moves the cost; it doesn't remove it. Somebody budgets for it.\n\n## Why do gas fees matter more for small payouts?\n\nGas is a cost per transaction. It doesn't scale with the amount, so its share of the payment shrinks as the payment grows.\n\nHere's a worked example. The numbers are hypothetical, chosen to show the math, and describe no real network on any particular day.\n\nAssume a gas cost of $0.40 per payout on some chain.\n\n| Payout size | Gas as % of payout |\n| --- | --- |\n| $20 | 2.00% |\n| $200 | 0.20% |\n| $2,000 | 0.02% |\n| $20,000 | 0.002% |\n\nA marketplace paying thousands of small creator payouts feels gas. A treasury paying a few large invoices barely notices it. If your payouts are small, batch them where the product allows it, pick a cheaper network, or prefer a provider that prices network costs as a flat amount you can model.\n\n[Stablecoin payment fees vs card processing fees](\u002Fresources\u002Fmore\u002Fstablecoin-payment-fees-vs-card-processing-fees) puts the full cost stack next to cards, and [stablecoin off-ramp fees explained](\u002Fresources\u002Fmore\u002Fstablecoin-off-ramp-fees-explained) breaks down the conversion side.\n\n## How do you compare gas costs between stablecoin providers?\n\nYou rarely see gas as its own line. Compare what lands, not what's listed.\n\n1. **Fix the route.** Same corridor, same token, same network, same amount.\n2. **Ask which steps you sign.** Every step you sign is gas you pay on top of the quote.\n3. **Ask how network costs are priced.** A flat fee per network, a minimum, or inside the spread.\n4. **Request the all-in amount.** Amount sent versus amount received, at your real payout size.\n5. **Ask what happens on a failed transaction.** Who absorbs gas on a revert or a retry.\n6. **Run it at two sizes.** Your median payout and your smallest common payout.\n\nThe provider with the lowest percentage fee can lose on small payouts once a flat network fee lands. [Stablecoin API pricing explained](\u002Fresources\u002Fmore\u002Fstablecoin-api-pricing-explained) covers how to read the rest of the quote.\n\n## What are the limits of this guide?\n\nGas markets move. Base fees on Ethereum rise and fall with demand, Solana priority fees spike during congestion, and Tron's resource prices are chain parameters that can change. Treat any per-transaction number as a snapshot. This page doesn't cover gas on bridging, swaps, or cross-chain transfers, which add their own fees, and it doesn't cover Tempo's fee model.\n\n## How does BlindPay handle gas fees?\n\nOn BlindPay, who pays gas depends on where the stablecoins come from.\n\n**Payouts from your own wallet.** You sign one authorization and pay gas on it. On EVM chains that's an ERC-20 `approve` letting BlindPay pull the quoted amount, so the sending wallet needs a little of the chain's gas token ([payout with EVM](\u002Fdocs\u002Fpayout-evm)). On Solana, the sender signs a token delegation. On Stellar, which has no allowance mechanism, the sender signs and submits a payment to BlindPay's treasury address, so the sender's account pays the Stellar fee ([payout with Stellar](\u002Fdocs\u002Fpayout-stellar)).\n\n**Payouts from a managed wallet.** No approval, no signed transaction, no gas on your side. BlindPay custodies the balance and moves it directly. Managed wallets are in beta.\n\n**Payins and virtual accounts.** BlindPay delivers the stablecoins to the destination wallet. If a delivery transaction gets replaced during a gas spike, BlindPay resolves the transaction that actually landed.\n\n**Offramp wallets.** The sender pays gas to deposit. After that, BlindPay converts and pays out, charging a fixed [additional fee per chain](\u002Fdocs\u002Fofframp-wallets): 15 USDT on Tron, 1 USDC on Ethereum, 0.50 USDC on Solana, and none on Polygon, Base, Arbitrum, Tempo, or Arc.\n\n**Pricing.** The [fee schedule endpoint](\u002Fdocs\u002Flearn\u002Fbilling) returns the flat and percentage payout and payin fee for each blockchain network on your instance, and every quote shows the sender amount, receiver amount, and fees before you execute. `cover_fees` decides whether fees come out of what the recipient receives or are added to what the sender sends. Transfers also report a `gas_fee` on each tracked step.\n\nRecipients get local currency over Pix, SPEI, ACH, RTP, SEPA, and SWIFT (POBO\u002FCOBO), and BlindPay settles across nine networks: Ethereum, Polygon, Base, Arbitrum, Tempo, Arc, Stellar, Solana, and Tron.\n\nWant to see what gas does to your payout size? Pull your instance's fee schedule, then quote the same payout on two networks and compare the receiver amounts.\n",{"title":5,"description":638},"resources\u002Fmore\u002Fwho-pays-gas-fees-stablecoin-payments","tN_SADQ-GXxQdQikwn77mCaL3F7FUzgymvONCq_s_nI",[669,673,677,681,685,689,693,697,701,705,709,713,717,721,725,729,733,737,741,745,749,752,756,760,764,768,772,776,780,784,788,792,796,800,804,808,812,816,820,824,828,832,836,840,844,848,852,856,860,864,868,872,876,880,884,888,892,896,900,904,907,911,915,919,923,927,931,935,939,943,947,951,955,959,963,967,971,975,979,983,987,991,995,999,1003,1007,1011,1015,1016,1020],{"path":670,"title":671,"description":672},"\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":674,"title":675,"description":676},"\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":678,"title":679,"description":680},"\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":682,"title":683,"description":684},"\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":686,"title":687,"description":688},"\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":690,"title":691,"description":692},"\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":694,"title":695,"description":696},"\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":698,"title":699,"description":700},"\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":702,"title":703,"description":704},"\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":706,"title":707,"description":708},"\u002Fresources\u002Fmore\u002Fstablecoin-payout-mistakes","Common stablecoin payout mistakes: wrong network, expired quotes, and bad bank details","The mistakes that make stablecoin payouts fail or stall: wrong network or token, expired quotes, deposits below minimums, bad bank details, and cut-offs.",{"path":710,"title":711,"description":712},"\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":714,"title":715,"description":716},"\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":718,"title":719,"description":720},"\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":722,"title":723,"description":724},"\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":726,"title":727,"description":728},"\u002Fresources\u002Fmore\u002Fstablecoin-payout-cut-off-times-weekends-holidays","Do stablecoin payouts work on weekends and holidays? Cut-offs and bank calendars by rail","The stablecoin leg runs 24\u002F7, and so do Pix, SPEI, and RTP. ACH, wire, SEPA, TED, and SWIFT wait for a business day. Cut-offs and calendars by rail.",{"path":730,"title":731,"description":732},"\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":734,"title":735,"description":736},"\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":738,"title":739,"description":740},"\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":742,"title":743,"description":744},"\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":746,"title":747,"description":748},"\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":486,"title":750,"description":751},"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":753,"title":754,"description":755},"\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":757,"title":758,"description":759},"\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":761,"title":762,"description":763},"\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":765,"title":766,"description":767},"\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":769,"title":770,"description":771},"\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":773,"title":774,"description":775},"\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":777,"title":778,"description":779},"\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":781,"title":782,"description":783},"\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":785,"title":786,"description":787},"\u002Fresources\u002Fmore\u002Fhow-to-off-ramp-usdc-to-euros-sepa","How to off-ramp USDC to euros over SEPA: networks, IBAN details, and timing","Converting USDC to EUR in a SEPA bank account: which networks work, the IBAN details you need, SEPA vs SEPA Instant timing, limits, and what MiCA changes.",{"path":789,"title":790,"description":791},"\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":793,"title":794,"description":795},"\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":797,"title":798,"description":799},"\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":801,"title":802,"description":803},"\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":805,"title":806,"description":807},"\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":809,"title":810,"description":811},"\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":813,"title":814,"description":815},"\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":817,"title":818,"description":819},"\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":821,"title":822,"description":823},"\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":825,"title":826,"description":827},"\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":829,"title":830,"description":831},"\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":833,"title":834,"description":835},"\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":837,"title":838,"description":839},"\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":841,"title":842,"description":843},"\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":845,"title":846,"description":847},"\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":849,"title":850,"description":851},"\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":853,"title":854,"description":855},"\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":857,"title":858,"description":859},"\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":861,"title":862,"description":863},"\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":865,"title":866,"description":867},"\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":869,"title":870,"description":871},"\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":873,"title":874,"description":875},"\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":877,"title":878,"description":879},"\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":881,"title":882,"description":883},"\u002Fresources\u002Fmore\u002Fstablecoin-api-quotes-explained","Stablecoin API quotes explained: expiry, fee direction, and minor units","A stablecoin API quote locks the rate, fees, and amounts for a few minutes. How expiry works, which side pays the fee, and the field that flips meaning.",{"path":885,"title":886,"description":887},"\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":889,"title":890,"description":891},"\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":893,"title":894,"description":895},"\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":897,"title":898,"description":899},"\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":901,"title":902,"description":903},"\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":481,"title":905,"description":906},"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":908,"title":909,"description":910},"\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":912,"title":913,"description":914},"\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":917,"description":918},"\u002Fresources\u002Fmore\u002Fstablecoin-payroll-latam-contractors","Stablecoin payroll for LATAM contractors: how it actually works in 2026","How US companies pay contractors in Argentina, Brazil, Mexico, and Colombia with stablecoins in 2026: USDC vs USDT, the step-by-step payout flow, US tax reporting, a platform comparison, and how to start.",{"path":920,"title":921,"description":922},"\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":924,"title":925,"description":926},"\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":928,"title":929,"description":930},"\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":932,"title":933,"description":934},"\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":936,"title":937,"description":938},"\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":940,"title":941,"description":942},"\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":944,"title":945,"description":946},"\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":948,"title":949,"description":950},"\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":952,"title":953,"description":954},"\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":956,"title":957,"description":958},"\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":960,"title":961,"description":962},"\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":964,"title":965,"description":966},"\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":968,"title":969,"description":970},"\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":972,"title":973,"description":974},"\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":976,"title":977,"description":978},"\u002Fresources\u002Fmore\u002Fpix-key-cpf-clabe-payout-details","What details do you need to pay someone in Brazil or Mexico? Pix keys, CPF, and CLABE","What a payout to Brazil or Mexico needs from the recipient: Pix key types, CPF and CNPJ formats, the 18-digit CLABE, and the checks that stop a bad payout.",{"path":980,"title":981,"description":982},"\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":984,"title":985,"description":986},"\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":988,"title":989,"description":990},"\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":992,"title":993,"description":994},"\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":996,"title":997,"description":998},"\u002Fresources\u002Fmore\u002Fwhat-is-a-virtual-account","What is a virtual account? A plain-English guide for fintech teams","A virtual account is a unique set of bank details that routes incoming payments to one customer or purpose. How it works, who uses it, and where it fits.",{"path":1000,"title":1001,"description":1002},"\u002Fresources\u002Fmore\u002Fwhat-is-payment-orchestration","What is payment orchestration? The routing layer, explained","Payment orchestration is the routing layer between your app and every processor, bank, and rail you use. The five layers, how stablecoin settlement fits, and how it differs from a gateway.",{"path":1004,"title":1005,"description":1006},"\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":1008,"title":1009,"description":1010},"\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":1012,"title":1013,"description":1014},"\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":663,"title":5,"description":638},{"path":1017,"title":1018,"description":1019},"\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":1021,"title":1022,"description":1023},"\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.",1791469674035]