Agent-Skills.md

Agent Skills: BlindPay Integration

Use when integrating with BlindPay for stablecoin-to-fiat payouts, fiat-to-stablecoin payins, receiver KYC management, bank accounts, blockchain wallets, virtual accounts, or offramp wallets.

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UncategorizedID: blindpaylabs/blindpay-skills/blindpay

Repository

blindpaylabs/blindpay-skills
blindpaylabsLicense: MIT
51

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pnpm dlx add-skill https://github.com/blindpaylabs/blindpay-skills/tree/HEAD/skills/blindpay

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skills/blindpay/SKILL.md

Skill Metadata

Name
blindpay
Description
Use when integrating with BlindPay for stablecoin-to-fiat payouts, fiat-to-stablecoin payins, receiver KYC management, bank accounts, blockchain wallets, virtual accounts, or offramp wallets.

BlindPay Integration

Overview

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.

Quick Start

Authentication

All API calls require:

  • API Key: Passed as Authorization: Bearer YOUR_API_KEY
  • Instance ID: Included in the URL path
curl --request GET \
  --url https://api.blindpay.com/v1/instances/in_000000000000/receivers \
  --header 'Authorization: Bearer YOUR_API_KEY'

Payout Flow (Stablecoin → Fiat)

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

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

Payin Flow (Fiat → Stablecoin)

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

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

Payment Rails

| 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 |

Supported Networks

| 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) |

Development vs Production

| 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 |

Testing Scenarios

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

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

Error Handling

Always check API responses for errors:

{
  "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

Reference Documentation

Getting Started

Essentials

Guides