BlindPay
BlindPay is a San Francisco-based fintech (founded 2023, Delaware-incorporated 2024) that provides a non-custodial stablecoin payment API for global payouts, payins, and virtual accounts across seven blockchains and eight local payment rails, serving Y Combinator startups, AI-agent builders, and businesses operating across the US, Latin America, and Europe.
- Company typePrivate
- Founded2024
- HeadquartersSan Francisco, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What BlindPay does
BlindPay (Blind Pay, Inc.) is a Delaware-incorporated, San Francisco-headquartered financial technology company founded in 2023–2024 that provides a stablecoin-based API for global payments. Its core product is a single REST API that orchestrates stablecoin-to-fiat and fiat-to-stablecoin conversions across seven blockchains (Ethereum, Polygon, Base, Arbitrum, Stellar, Solana, Tron) and multiple local payment rails (ACH, Wire, RTP, PIX, SPEI, PSE, SEPA, SWIFT). The platform is positioned as non-custodial — funds remain under user control throughout the transaction lifecycle with automatic return on failed payouts — and includes a Compliance Suite with KYC/KYB, sanctions/PEP screening, and AI-driven fraud monitoring.
The company sells primarily through a B2B2C partner model in which integrators (notably Y Combinator–backed startups and AI-agent builders) embed BlindPay's API into their own applications to serve end customers. Pricing is a three-tier subscription ($399/month Basic, $1,599/month Business+, custom Enterprise) augmented by per-transaction fees for stablecoin conversion, FX, and payment-rail charges. Distribution is API-first and developer-led: public OpenAPI documentation, SDKs in TypeScript/Python/PHP/Swift/Go, a Model Context Protocol (MCP) server, and Agent Skills for AI coding assistants including Cursor, Claude Code, v0, Bolt.new, and Replit. BlindPay is FinCEN-registered as a Money Services Business and routes regulated money-transmission activity through licensed partners Veem and Column/Brex, with Citibank holding custodial funds.
BlindPay has raised approximately $3.3–3.4M in seed funding (Aug 2025) led by Y Combinator with 468 Capital, Circle Ventures, Bitso Business, and angel investor Jawed Karim (YouTube cofounder). It operates with a 1–10 person team and has, since completing the YC W25 batch, rapidly expanded payment-rail coverage (US RTP, SEPA EU, LATAM onramps) and introduced AI-native features (MCP Server, AI Document Analysis). In December 2025, JPMorgan Chase froze accounts tied to the company via payments firm Checkbook over activity in high-risk regions including Venezuela, a material operational risk that has not halted the business.
BlindPay firmographics
Firmographics- Name
- BlindPay
- Legal name
- Blind Pay, Inc.
- Website
- https://blindpay.com
- Company type
- Private
- Founded year
- 2024
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- BlindPay is a San Francisco-based fintech (founded 2023, Delaware-incorporated 2024) that provides a non-custodial stablecoin payment API for global payouts, payins, and virtual accounts across seven blockchains and eight local payment rails, serving Y Combinator startups, AI-agent builders, and businesses operating across the US, Latin America, and Europe.
- Ownership category
- akta.pro rank
BlindPay industry classification
Industry- Product category
- Cross-Border Payment Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Finance Services (6199), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL)
- akta.pro secondary industries
- On/Off-Ramps & Fiat Liquidity Providers for Stablecoins (FSADADAG), Cross-Chain Bridging & Interoperability for Stablecoins (FSADADAH), Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG), Enterprise Payments & Tokenized Money (stablecoins, tokenized deposits, CBDC rails) (FSAPAIAJ)
Keywords
Where BlindPay is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
BlindPay business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Subscription Plans: Three-tier subscription model: Basic at $399/month, Business+ at $1,599/month, and Enterprise with custom pricing. All tiers include global payouts, multi-currency wallet, custodial wallets, virtual accounts, and virtual cards. Additional fees may apply for certain payment rails and compliance checks beyond tier limits.
- Platform Usage and Transaction Processing: Fees charged per transaction including stablecoin conversion, FX conversion, and payment rail fees (ACH, Wire, PIX, SPEI, PSE, SEPA, SWIFT). Virtual account maintenance fees of $1.50/month per account apply. Partner fee monthly settlements with transparent fee breakdowns on invoices.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Basic plan for developers and small teams starting with stablecoin payments |
| Subscription | Annual | Business+ plan for growing businesses with higher volume requirements |
| Subscription | Multi-year contract | Enterprise plan with custom pricing for large-scale payment infrastructure needs |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels7 records
BlindPay product offering
Product offeringCore offering
BlindPay provides a stablecoin API infrastructure platform that enables businesses to move money globally through stablecoin-to-fiat and fiat-to-stablecoin conversions. Its single REST API connects to multiple local payment rails (Pix, SPEI, PSE, Transfer 3.0, SEPA, ACH, Wire, SWIFT, RTP) and supports stablecoin settlement across EVM chains, Stellar, Solana, and Tron. The platform bundles virtual multi-currency accounts, KYC/KYB compliance, AI document analysis, and MCP-based AI agent integrations under a unified developer experience.
Product overview
BlindPay is a stablecoin API infrastructure platform that enables businesses to move money globally using stablecoins and local payment rails. The platform operates on a B2B2C model, providing a unified API that orchestrates Global Payments (payouts/payins), Virtual Accounts (multi-currency bank accounts), and Compliance Suite (KYC/KYB, fraud detection). The product suite includes managed offramp wallets for automatic stablecoin-to-fiat conversion, AI-powered document analysis for KYC pre-screening, and an MCP server for AI agent integration. Pricing tiers range from Basic ($399/month) to Enterprise (custom), with development and production instances available. The platform supports multiple blockchains (Ethereum, Polygon, Base, Arbitrum, Stellar, Solana, Tron) and payment rails (ACH, Wire, RTP, PIX, SPEI, PSE, SEPA, SWIFT).
Differentiator
Problem solved
Functional benefit
Products and services
- Global Payments Core payment infrastructure enabling worldwide money transfers using stablecoins and fiat currencies; supports payouts (stablecoin-to-fiat conversion) and payins (fiat-to-stablecoin conversion) with real-time settlement across Pix, SPEI, PSE, Transfer 3.0, SEPA, ACH, Wire, SWIFT and RTP rails. Built for businesses integrating global payments into their product.
- Virtual Accounts Multi-currency virtual bank accounts opened in customer names supporting USD and EUR with dedicated IBANs, SWIFT, SEPA, and ACH routing. Includes white-label virtual accounts so partners can deliver branded payment experiences to their end customers.
- Compliance Suite Integrated KYC/KYB verification, blockchain screening, transaction monitoring, and fraud detection with automated compliance workflows, role-based access control, and multi-factor authentication for secure API access.
- BlindPay API RESTful API with public OpenAPI documentation enabling developers to integrate stablecoin payment infrastructure. Supports SDKs in TypeScript, Python, PHP, Swift, and Go with webhook notifications for real-time event processing (bankAccount.new, payout.update, payout.complete).
Quantifiable outcome
- Save up to 80% on global transfers compared to traditional payment methods
- +1 more outcomes
Companies that use BlindPay
Customer profileSegments3 records
Ideal customer profiles4 records
BlindPay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration11 records
AI capability5 records
Feature5 records
BlindPay partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- Veem Inc. / Veem Payments Inc.coreLicensed money transmitter providing payment processing and money transmission services. Veem enables ACH transfers, wire transfers, and virtual account functionality. Terms of service reference incorporated by reference. Critical payment vendor for US banking access.
- Column NA - BrexcoreBanking partner for US virtual account deposits and fiat settlement. Receives ACH transfers and wires at 1 Letterman Drive, San Francisco, CA 94129. Part of virtual account infrastructure.
- Citibank, N.A.coreFDIC-insured bank where Payment Vendors hold wallet funds. Enables FDIC pass-through insurance eligibility for customer funds held in custodial accounts.
- AI Coding Assistant PlatformscoreBlindPay has published official integrations with AI coding assistants including Cursor, Claude Code, v0 (Vercel), Bolt.new, Replit, and others through Agent Skills and MCP server. Enables natural language payment operations for AI agents.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
BlindPay competitors and assessment
Company assessmentDirect peers
- Bridge: Stablecoin API for global payments, offering fiat-to-stablecoin and stablecoin-to-fiat conversion with developer-first APIs. Acquired by Stripe in October 2024; the closest direct competitor and reference product for BlindPay's positioning. Now operates inside Stripe's developer ecosystem.
- MoonPay: Crypto on/off-ramp provider offering fiat-to-stablecoin and stablecoin-to-fiat conversion via API. Comparable customer base (developers, fintechs, web3 apps), similar pricing model (transaction fees plus enterprise tiers), and overlapping geographic coverage including LATAM rails.
- Coinbase Commerce: Crypto payment gateway enabling merchants to accept USDC and other stablecoins with conversion to fiat. Direct competitor in stablecoin-to-fiat acceptance for merchants, with significantly larger brand and balance sheet but less developer-API customization.
- BitPay: Long-standing crypto payment processor for merchants offering stablecoin acceptance and fiat settlement. Overlap in virtual accounts, multi-currency payouts, and merchant KYC, but BitPay skews more consumer/retail while BlindPay targets developers and B2B2C platforms.
- Transak: Fiat-to-crypto on-ramp infrastructure provider with global payment method coverage and developer APIs. Comparable onboarding (KYC), similar LATAM and EU rail coverage (PIX, SEPA), and competing for the same fintech and web3 developer customer base.
- BVNK: Stablecoin payment orchestration platform enabling businesses to send and receive payments across multiple rails including stablecoins. Most direct competitor in the 'stablecoin orchestration' category, with enterprise focus and similar B2B2C partner model.
- Alchemy Pay: Crypto payment gateway providing fiat on/off-ramps and global payment solutions, with strong APAC and LATAM coverage. Competes for similar merchant and developer customers with comparable multi-rail and multi-chain coverage.
Emerging players
- Paxos: Stablecoin issuer (PYUSD for PayPal) and enterprise blockchain infrastructure provider with payments APIs. Overlap in fiat-to-stablecoin conversion and enterprise compliance tooling, but Paxos is primarily an issuer/treasury operator while BlindPay is a payment orchestrator.
Broad incumbents
- Circle: USDC issuer and parent of Circle Ventures (an investor in BlindPay). Circle offers its own payments APIs and CCTP (Cross-Chain Transfer Protocol) that overlap with BlindPay's functionality, and has the balance sheet to disintermediate.
- Wise: Cross-border payments incumbent offering multi-currency accounts and SWIFT/SEPA/ACH payouts with competitive FX. Represents the legacy alternative BlindPay is disrupting; similar end-customer use cases (payroll, vendor payments) but without stablecoin-native architecture.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
BlindPay social profiles
Digital presenceBlindPay compliance and trust
Trust signalCompliance7 records
BlindPay financial estimates
Financial estimateRevenue estimate
Valuation estimate
BlindPay leadership team
Management profileNumber of profiles
Profiles3 records
BlindPay funding detail
Funding detailFunding overview
Funding rounds2 records
Investors6 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
BlindPay M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about BlindPay
What does BlindPay do?
BlindPay provides a stablecoin API infrastructure platform that enables businesses to move money globally through stablecoin-to-fiat and fiat-to-stablecoin conversions. Its single REST API connects to multiple local payment rails (Pix, SPEI, PSE, Transfer 3.0, SEPA, ACH, Wire, SWIFT, RTP) and supports stablecoin settlement across EVM chains, Stellar, Solana, and Tron. The platform bundles virtual multi-currency accounts, KYC/KYB compliance, AI document analysis, and MCP-based AI agent integrations under a unified developer experience.
Is BlindPay a public or private company?
BlindPay is a private company. It is classified as venture growth investor backed and is currently operating.
When was BlindPay founded?
BlindPay was founded in 2024. It employs 1 to 10 people.
Where is BlindPay based?
BlindPay is headquartered in San Francisco, United States, in the North America region.
How does BlindPay make money?
Two revenue lines are on record. Subscription Plans are the primary driver. The others are platform Usage and Transaction Processing.
Who are BlindPay's main competitors?
Direct peers on record are Bridge, MoonPay, Coinbase Commerce, BitPay, Transak, BVNK and Alchemy Pay. Paxos is listed as an emerging player. Broad incumbents are Circle and Wise.
Does BlindPay have an API?
Yes. BlindPay offers a REST API with public OpenAPI documentation for global payment infrastructure. The API enables developers to integrate stablecoin-to-fiat conversions, virtual account management, payment processing, KYC/KYB workflows, and compliance features. Available SDKs include TypeScript, Python, PHP, Swift, and Go. The platform supports webhook notifications for real-time events (bankAccount.new, payout.update, payout.complete). API keys, IP whitelisting, and webhooks are managed through the dashboard. Development instances use testnets; production uses mainnets. Developer documentation is at api.blindpay.com/reference.
What industry is BlindPay in?
BlindPay's product category is Cross-Border Payment Infrastructure. Its primary akta.pro industry code is BPAMAFAL, Crypto Payments & Stablecoin Settlement Platforms, with a secondary code of FSADADAG, On/Off-Ramps & Fiat Liquidity Providers for Stablecoins. Its NAICS code is 522320 and its SIC code is 6199.