BLINDPAY

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COMPANY detail

BLINDPAY

Stablecoin API for global payments
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BLINDPAY

Last Updated: Sep 11, 2026

Company Overview.

Year Founded 2024
Status Private
Specialties Payments, Onramp/Offramp
Company Size 11-50 Employees
Industry Financial Services
Location San Francisco, USA

Description.

BlindPay is a Y Combinator W25 company building stablecoin payment infrastructure for global money movement. Founded in 2024 by Bernardo Simonassi (CEO), João Borges (COO), Gustavo Marinho (CPO), and Gabriel Lyra (CTO), the company provides an API-first platform that orchestrates stablecoins, local payment rails, virtual accounts, and integrated compliance through a single integration. As of early 2026, BlindPay has processed over $450M in total payment volume, serving 50+ business customers and 11,000+ end users with a team of 10 people. The company is headquartered in San Francisco with a branch in Brazil. 

The platform supports USDC and USDT across Ethereum (Base, Arbitrum, Polygon), Solana, Stellar, and Tron, with fiat rails covering ACH, Wire, SWIFT, RTP, Pix (Brazil), SPEI (Mexico), PSE (Colombia), and Transfers 3.0 (Argentina). BlindPay raised $3.3M in seed funding in August 2025 from Y Combinator, 468 Capital, Circle Ventures, Bitso Business, Transpose Platform, and Acacia Venture Capital Partners, with angel investors including Jawed Karim (YouTube co-founder). The company operates as a registered Money Service Business (MSB) in the US and is pursuing SOC 2 Type 2, GDPR (achieved), DORA, and LGPD compliance certifications.

Key Infrastructure.

Stablecoin Payments API
Stablecoin Payments API
Core REST API enabling fiat-to-stablecoin payins and stablecoin-to-fiat payouts across eight local payment rails including ACH, Wire, SWIFT, RTP, Pix, SPEI, PSE, and Transfers 3.0.
All transactions settle through stablecoins under the hood with a 5-minute quote window and webhook-based status reporting, cutting traditional cross-border settlement times by up to 80%.
Named Virtual Accounts
Named Virtual Accounts
US-based virtual bank accounts issued in the customer's name through tier-1 banking partners, enabling businesses to receive USD deposits via ACH, Wire, RTP, and SWIFT.
Funds can then be converted and paid out instantly to local currencies across Latin America, all with the customer's name appearing on payment descriptors for a branded experience.
Cross-Chain Stablecoin Transfers
Cross-Chain Stablecoin Transfers
Infrastructure for moving stablecoins between blockchains and tokens — for example, sending USDT on Polygon and receiving USDC on Base — with real-time quotes locking exchange rates for 15 seconds.
Supports Ethereum L1/L2s, Solana, Stellar, and Tron with automatic fund return to the originating wallet on failure.
Managed Wallet Infrastructure
Managed Wallet Infrastructure
BlindPay-managed stablecoin wallets created on behalf of end customers through Partner platforms, supporting USDC and USDT on Arbitrum and Polygon mainnets.
Wallets can receive from external blockchain addresses, send to other internal wallets, and fund payouts to fiat bank accounts without the end user needing to manage private keys.
Integrated KYC/KYB Compliance Layer
Integrated KYC/KYB Compliance Layer
Built-in compliance engine offering Standard and Enhanced KYC for individuals and KYB for businesses with 30-second automated verification for Standard KYC and 3-hour to 1-business-day manual review for Enhanced cases.
Includes blockchain screening, continuous transaction monitoring, partner onboarding checks, and a free document pre-screening API.
AI-Native Developer Toolchain
AI-Native Developer Toolchain
Developer ecosystem including officially maintained SDKs for five programming languages (Node.js/TypeScript, Python, Go, PHP/Laravel, Swift), a terminal CLI for managing the full API surface without writing code, an MCP Server enabling AI coding assistants to interact with payment infrastructure through natural language, and Agent Skills for domain knowledge injection into LLM tools.

Additional Features.

Instant Local Rails Settlement
Direct integration with instant payment systems like Pix (Brazil), SPEI (Mexico), and Transfers 3.0 (Argentina) for near-instant fiat delivery after stablecoin settlement.
Partner Fee Architecture
API-native partner fee system allowing platforms to layer their own margins on top of BlindPay's transaction fees, with fees calculated per transaction and paid out automatically.
Sandbox & Production Instances
Separate development and production environments with unique API keys, webhooks, and auto-completing test transactions (including forced failure/refund scenarios for testing).
Offramp Wallet Support
Compatible with all wallet types including Externally Owned Accounts (EOA) and Account Abstraction (AA) wallets, with ERC-20 approval, Stellar signing, and Solana delegation.
Document Pre-Screening API
Free endpoint that analyzes uploaded KYC documents and returns low/medium/high approval probability with explanations within 3 seconds, reducing RFI cycles before formal submission.
LLM-Optimized Content
Website and documentation served with Accept: text/markdown content negotiation, /llms.txt and /llms-full.txt endpoints, JSON-LD structured data, and an MCP server card for agent discovery.

General Questions.

BlindPay provides a stablecoin payments API that enables businesses to send and receive money globally using fiat currencies, stablecoins, and multiple blockchains through a single integration. The platform handles KYC/KYB compliance, connects to local instant payment rails (ACH, Pix, SPEI, etc.), and provides named virtual US accounts — all while remaining non-custodial and settlement through licensed Payment Vendors.

Fintechs, neobanks, payroll platforms, remittance providers, wallet infrastructure companies, marketplaces, gaming/crypto apps, billing/invoicing software, and freelancer/gig economy tools — essentially any business that needs to move money across borders programmatically.

Blind Pay, Inc. is a registered Money Service Business (MSB) in the United States and is regulated as a technology platform. Actual money transmission is handled by licensed Payment Vendors (notably Veem, a licensed money transmitter). The company is GDPR compliant and pursuing additional certifications (SOC 2 Type 2, DORA, LGPD, CASP in EU, PSAV in Brazil).

USDC and USDT across Ethereum Mainnet, Base, Arbitrum, Polygon, Solana, Stellar, and Tron networks. USDB is supported in development instances only.

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