BlindPay alternative for payouts beyond Pix and SPEI
Where BlindPay has no local rail, it sends a USD SWIFT wire. A BlindPay alternative pays customers there in local currency by bank or mobile money from USDT or USDC. Keep BlindPay for Pix, SPEI, US rails and virtual accounts.
When to stay with BlindPay
Your payees bank in Brazil, Mexico or the US
BlindPay sends Pix in Brazil, SPEI in Mexico and Transfers 3.0 in Argentina, which its docs say settle in minutes. Unigox does not currently offer its services in the United States, where BlindPay pays by ACH, RTP and domestic wire.
You want US deposit details that settle in stablecoins
BlindPay issues US virtual accounts with ACH, RTP and wire details that turn each deposit into stablecoins, at 1.50 USD a month per active account. Unigox customer accounts are EUR and GBP accounts, requested once your own KYB is approved.
You pay suppliers by SWIFT against an invoice
A BlindPay customer can send to someone else's bank account, and suppliers can be paid over SWIFT from a USDC or USDT balance against an invoice, purchase order or contract. Paying suppliers or someone else's account is BlindPay's ground; on Unigox the payee is a customer of your app whom Unigox has verified.
BlindPay and Unigox where BlindPay has no local rail
| Topic | BlindPay | Unigox |
|---|---|---|
| Local rails | ACH, RTP and wire in the US, Pix and TED in Brazil, SPEI in Mexico, ACH Colombia, Transfers 3.0 in Argentina, SEPA in euros and Faster Payments in the UK. No mobile money rail is listed. | Bank or mobile money accounts in the payee's own name, settled in local currency by a payment business connected to Unigox or a P2P merchant. |
| Other countries | An international SWIFT wire in USD, from 100 USD, which its docs say can take up to 5 business days. | Local currency where the Payments API serves the market. The setup call confirms which of your customers' currencies it covers. |
| Funding a payout | From your own wallet after an on-chain approval for the quoted amount, or from a wallet BlindPay holds for you (in beta). The quote holds its rate and fees for 5 minutes. A payout that cannot be delivered is refunded to your wallet: automatically on Pix and other non-USD local rails, after an operator review on USD payouts. | From USDT or USDC in your partner wallet: your server signs the order's transfer into escrow. If a funded payout stops, the money waits in escrow until your server signs the refund back to the wallet. |
| Payee checks | Every payee is registered as a BlindPay customer and passes KYC. Individuals from countries it rates high-risk, Kenya, Ghana and Pakistan among them, need Enhanced KYC with a source-of-funds document and manual review of up to one business day. | Each customer passes a Unigox identity check: an ID document and a selfie, a reused Sumsub or Persona check, or a Unigox verification link. |
| Pricing | Plans from 399 USD a month billed annually, for 500 customers, plus transaction fees that vary by rail and network and appear in each quote. Your own partner fee is released on the 1st of the next month, after BlindPay nets off its invoice. | Set per currency and payment method. Each quote shows the Unigox fee, your own fee and the total; your fee reaches the partner wallet when the order completes, and an order that does not complete is not charged. |
| Getting started | Self-serve in its dashboard: a development instance is ready at once, moves no real money and has the same endpoints as production; a production instance can take up to 3 business days to set up, and each API key works for one instance only. | A call to agree markets and setup, then KYB. Credentials follow approval, and the sandbox runs the same endpoints as production. |
| Regulation | Incorporated in Delaware and registered with FinCEN as a money services business. | Unigox works through two companies: UNIGOX NETWORK CORP. in Canada handles the local-money side and is registered with FINTRAC as a money services business and with the Bank of Canada as a payment service provider; UNIGOX NETWORK CORP. in Panama handles the crypto side, including wallets and escrow. |
UnigoxMove SWIFT-bound payouts from BlindPay to Unigox
Name your USD-wire-only markets
List the countries where BlindPay reaches your customers only by USD wire and agree them on a call. Your company then passes KYB with Unigox; your BlindPay onboarding does not carry over.
Map the quote and payout calls
A BlindPay payout quote followed by a payout call becomes a Unigox quote and an order your server signs from the partner wallet. Build it in the sandbox, which mirrors the production endpoints.
Verify payees again and go live
Each payee passes the Unigox identity check, where an eligible Sumsub or Persona check can be reused. Then top up the partner wallet with USDT or USDC and switch to the production key.
Questions about BlindPay alternatives
What is a BlindPay alternative where it has no local rail?
Unigox fits an app that pays its own verified customers from USDT or USDC in places BlindPay reaches by USD SWIFT wire, from 100 USD and up to 5 business days. Where the Payments API serves the market, Unigox pays their bank or mobile money account in local currency. Keep BlindPay for Pix, SPEI, SEPA, Faster Payments, the US rails and supplier payments.
What does BlindPay do, and who are its competitors?
BlindPay is a Y Combinator-backed stablecoin API. It turns USDC and USDT into local money over Pix, SPEI, SEPA, ACH and SWIFT, takes bank deposits into stablecoins, issues US virtual accounts and runs KYC on every customer. Its own comparison pages set it against Bridge, BVNK, Conduit, Crossmint, Borderless, Sphere and Zero Hash, among others. Unigox overlaps with it on one job: paying an app's own verified customers in local currency from USDT or USDC.
See all business comparisonsHow much does BlindPay cost?
Its pricing page lists plans from 399 USD a month billed annually for 500 customers, and 1,599 USD for 10,000; transaction fees depend on the rail and network and show up only in each quote. A Unigox Payments API quote lists the Unigox fee, your own fee and the total.
How do BlindPay API payouts differ from Unigox?
Both quote first and pay out from stablecoins. BlindPay takes the quoted amount from your own wallet after an on-chain approval, or from a wallet it holds for you (in beta), and ships SDKs for Node.js, Python, Go, PHP and Swift. With Unigox your server signs each order's transfer from the partner wallet into escrow, and the developer docs give signing examples in Python, JavaScript and C#.
Price the payouts BlindPay sends by SWIFT
Tell us which countries your BlindPay payouts reach only by USD wire and how your customers there get paid. We reply with what the Payments API covers in each, so you can set a Unigox quote beside the wire.
BlindPay and other names and logos are trademarks of their respective owners. Unigox is not affiliated with, endorsed or sponsored by them. Information about other companies comes from public sources, mainly the companies' own websites, and each company can change its products and fees at any time.