blindpay

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English

🇨🇳

Translation

Chinese

BlindPay Integration

BlindPay集成

Overview

概述

BlindPay is a global payment infrastructure that enables worldwide money transfers using both traditional fiat currencies and stablecoins.

Key Capabilities:

Feature	Description
Payouts	Convert stablecoins (USDC, USDT) to fiat and send to bank accounts
Payins	Convert fiat to stablecoins and send to blockchain wallets
Multi-Chain	Supports Ethereum, Base, Polygon, Arbitrum, Stellar, Solana, Tron
Multi-Currency	USD, BRL, MXN, ARS, COP and more via ACH, Wire, PIX, SPEI, SWIFT
Virtual Accounts	Generate dedicated US bank accounts for receivers
Offramp Wallets	Auto-convert incoming stablecoins to fiat

Important: BlindPay is non-custodial. Funds remain under user control throughout the process. Failed transactions are automatically returned to the originating wallet.

BlindPay是一个全球支付基础设施，支持使用传统法币和稳定币进行全球资金转账。

核心功能：

功能	描述
提现	将稳定币（USDC, USDT）转换为法币并发送至银行账户
充值	将法币转换为稳定币并发送至区块链钱包
多链支持	支持Ethereum、Base、Polygon、Arbitrum、Stellar、Solana、Tron
多币种支持	支持USD、BRL、MXN、ARS、COP等，支付方式包括ACH、Wire、PIX、SPEI、SWIFT
虚拟账户	为收款人生成专属美国银行账户
离场钱包	自动将转入的稳定币转换为法币

重要提示： BlindPay是非托管型平台。资金在整个流程中始终由用户掌控。失败的交易将自动退回原钱包。

Quick Start

快速开始

Authentication

身份验证

All API calls require:

API Key: Passed as
```
Authorization: Bearer YOUR_API_KEY
```
Instance ID: Included in the URL path

bash

curl --request GET \
  --url https://api.blindpay.com/v1/instances/in_000000000000/receivers \
  --header 'Authorization: Bearer YOUR_API_KEY'

所有API调用都需要：

API密钥：以
```
Authorization: Bearer YOUR_API_KEY
```
的形式传递
实例ID：包含在URL路径中

bash

curl --request GET \
  --url https://api.blindpay.com/v1/instances/in_000000000000/receivers \
  --header 'Authorization: Bearer YOUR_API_KEY'

Payout Flow (Stablecoin → Fiat)

提现流程（稳定币→法币）

Accept Terms of Service → Get
```
tos_id
```
Create Receiver → KYC verification, get
```
receiver_id
```
Add Bank Account → Get
```
bank_account_id
```
Create Payout Quote → Get
```
quote_id
```
(valid for 5 minutes)
Approve Tokens → ERC20 approval for BlindPay contract
Execute Payout → Stablecoins collected, fiat sent to bank

See references/getting-started/stable-to-fiat.md for complete guide.

接受服务条款 → 获取
```
tos_id
```
创建收款人 → 完成KYC验证，获取
```
receiver_id
```
添加银行账户 → 获取
```
bank_account_id
```
创建提现报价 → 获取
```
quote_id
```
（有效期5分钟）
授权代币 → 对BlindPay合约进行ERC20授权
执行提现 → 扣除稳定币，将法币发送至银行账户

完整指南请查看references/getting-started/stable-to-fiat.md。

Payin Flow (Fiat → Stablecoin)

充值流程（法币→稳定币）

Accept Terms of Service → Get
```
tos_id
```
Create Receiver → KYC verification, get
```
receiver_id
```
Add Blockchain Wallet → Get
```
blockchain_wallet_id
```
Create Payin Quote → Get
```
payin_quote_id
```
(valid for 5 minutes)
Execute Payin → Get payment instructions (PIX code, CLABE, etc.)
Send Fiat → Once received, stablecoins sent to wallet

See references/getting-started/fiat-to-stable.md for complete guide.

接受服务条款 → 获取
```
tos_id
```
创建收款人 → 完成KYC验证，获取
```
receiver_id
```
添加区块链钱包 → 获取
```
blockchain_wallet_id
```
创建充值报价 → 获取
```
payin_quote_id
```
（有效期5分钟）
执行充值 → 获取支付指引（PIX码、CLABE等）
转入法币 → 收到法币后，将稳定币发送至钱包

完整指南请查看references/getting-started/fiat-to-stable.md。

Payment Rails

支付通道

Type	Country	Speed
ACH	US	~2 business days
Wire	US	~1 business day
RTP	US	Instant
PIX	Brazil	Instant
SPEI	Mexico	Instant
ACH COP	Colombia	~1 business day
Transfers 3.0	Argentina	Instant
International SWIFT	Global	~5 business days

类型	国家/地区	到账速度
ACH	美国	~2个工作日
Wire	美国	~1个工作日
RTP	美国	即时
PIX	巴西	即时
SPEI	墨西哥	即时
ACH COP	哥伦比亚	~1个工作日
Transfers 3.0	阿根廷	即时
国际SWIFT	全球	~5个工作日

Supported Networks

支持的网络

Network	Instance Type	Tokens
Ethereum	Production	USDC, USDT
Base	Production	USDC, USDT
Polygon	Production	USDC, USDT
Arbitrum	Production	USDC, USDT
Stellar	Production	USDC
Solana	Production	USDC, USDT
Tron (beta)	Production	USDT
Sepolia, Base Sepolia, etc.	Development	USDB (test token)

网络	实例类型	代币
Ethereum	生产环境	USDC, USDT
Base	生产环境	USDC, USDT
Polygon	生产环境	USDC, USDT
Arbitrum	生产环境	USDC, USDT
Stellar	生产环境	USDC
Solana	生产环境	USDC, USDT
Tron (beta)	生产环境	USDT
Sepolia, Base Sepolia等	开发环境	USDB（测试代币）

Development vs Production

开发环境与生产环境对比

Feature	Development	Production
KYC	Auto-approved	Manual/automatic review
Payouts	Simulated (no real fiat)	Real bank transfers
Payins	Auto-completed after 30s	Real fiat deposits required
Token	USDB (fake stablecoin)	USDC, USDT

功能	开发环境	生产环境
KYC	自动通过	人工/自动审核
提现	模拟（无真实法币）	真实银行转账
充值	30秒后自动完成	需要真实法币存入
代币	USDB（模拟稳定币）	USDC, USDT

Testing Scenarios

测试场景

Amount	Result
Any amount	Success (default)
$666.00	Failed
$777.00	Refunded

Use first name "Fail" when creating receivers to simulate KYC rejection.

金额	结果
任意金额	成功（默认）
$666.00	失败
$777.00	退款

创建收款人时使用名字“Fail”可模拟KYC审核不通过。

Error Handling

错误处理

Always check API responses for errors:

json

{
  "error": {
    "message": "please_accept_terms_of_service",
    "code": "TERMS_NOT_ACCEPTED"
  }
}

Common errors:

```
please_accept_terms_of_service
```
- Receiver needs to accept updated TOS
```
quote_expired
```
- Quote older than 5 minutes, create a new one
```
insufficient_balance
```
- Wallet doesn't have enough tokens
```
kyc_not_approved
```
- Receiver KYC still pending or rejected

请始终检查API响应中的错误：

json

{
  "error": {
    "message": "please_accept_terms_of_service",
    "code": "TERMS_NOT_ACCEPTED"
  }
}

常见错误：

```
please_accept_terms_of_service
```
- 收款人需要接受更新后的服务条款
```
quote_expired
```
- 报价已过期（超过5分钟），请创建新报价
```
insufficient_balance
```
- 钱包代币余额不足
```
kyc_not_approved
```
- 收款人KYC审核仍在处理中或已被拒绝

Reference Documentation

参考文档

Getting Started

入门指南

Overview - What is BlindPay
Stable to Fiat - Payout quick start
Fiat to Stable - Payin quick start

概述 - 什么是BlindPay
稳定币转法币 - 提现快速入门
法币转稳定币 - 充值快速入门

Essentials

核心功能

Instances - Dev vs production environments
Terms of Service - TOS acceptance flow
Receivers - KYC/KYB for individuals and businesses
Bank Accounts - ACH, Wire, PIX, SPEI, SWIFT
Virtual Accounts - US bank account generation
Blockchain Wallets - External wallet management
Offramp Wallets - Auto-convert stablecoins
Payout Quotes - Quote creation for payouts
Payouts - Executing stablecoin → fiat transfers
Payin Quotes - Quote creation for payins
Payins - Executing fiat → stablecoin transfers
API Keys - Authentication setup
Webhooks - Real-time event notifications
Partner Fees - Revenue sharing configuration
Upload - Secure file uploads for KYC

实例 - 开发与生产环境说明
服务条款 - 服务条款接受流程
收款人 - 个人与企业的KYC/KYB审核
银行账户 - ACH、Wire、PIX、SPEI、SWIFT相关说明
虚拟账户 - 美国银行账户生成
区块链钱包 - 外部钱包管理
离场钱包 - 稳定币自动转换
提现报价 - 提现报价创建
提现 - 执行稳定币转法币转账
充值报价 - 充值报价创建
充值 - 执行法币转稳定币转账
API密钥 - 身份验证设置
Webhooks - 实时事件通知
合作伙伴费用 - 收益分成配置
文件上传 - KYC相关文件安全上传

Guides

进阶指南

Smart Contracts - Contract addresses
Cut-off Times - Processing windows
Supported Countries - Country and payment rail coverage
Prohibited Activities - Compliance requirements
Payout Descriptor - Bank statement display names
KYC Best Practices - Document submission tips
On Hold Transactions - Handling flagged transactions
SWIFT Deliverability - International transfer requirements

智能合约 - 合约地址
截止时间 - 处理时间窗口
支持国家 - 覆盖的国家与支付通道
禁止活动 - 合规要求
提现描述符 - 银行对账单显示名称
KYC最佳实践 - 文档提交技巧
暂停交易 - 标记交易处理
SWIFT到账率 - 国际转账要求