Unblock Pay alternative for FX operators beyond Pix and SEPA
Unblock Pay covers Pix, SWIFT and USD account details in your clients' names. FX operators whose clients pay or are paid by bank or mobile money in currencies it lacks can use Unigox as an Unblock Pay alternative.
When to stay with Unblock Pay
You are a Brazilian FX correspondent or investment office
Unblock Pay's partner programme is written for them. Unblock charges a fixed spread, and you set the client's price and keep all of the markup you add. Payments go out over Pix, SWIFT, SEPA and Fedwire. Its Terms ask client companies for a CNPJ and individual end users for a CPF.
Your clients need USD account details in their name
Unblock issues USD virtual accounts on ACH, wire and SWIFT and EUR ones on SEPA, each tied to one customer, and turns every deposit into USDC or USDT in that customer's wallet. On Unigox, accounts in your customers' names come in EUR and GBP and are requested after your company passes KYB.
You want reais in and pesos out in one call
An Unblock Pay fiat-to-fiat transaction takes BRL by Pix and delivers MXN by SPEI, holding the stablecoin leg in a wallet Unblock manages. With the Unigox Payments API a collection lands USDT or USDC in your partner wallet, and a separate payout order spends it.
Unblock Pay and the Unigox Payments API on a client payment
| Topic | Unblock Pay | Unigox |
|---|---|---|
| Payout currencies | BRL by Pix, MXN by SPEI, ARS by Transfers 3.0, USD by ACH, domestic wire or SWIFT, and EUR by SEPA. COP is marked coming soon, and no mobile money rail is listed. | Local currency to the payee's own bank or mobile money account, settled by a payment business connected to Unigox or a P2P merchant. Your markets are confirmed on the setup call. |
| Collecting from clients | Pix and SPEI pay-ins for a set amount, plus dedicated USD and EUR virtual accounts that convert each deposit into stablecoins. | The client pays by bank transfer or mobile money, and USDT or USDC reaches your partner wallet once the payment is confirmed. |
| Funding a payout | From a stablecoin wallet Unblock holds for the customer, or, when the funds sit elsewhere, by sending the exact USDC or USDT amount to the deposit address the payout returns. A payout waiting for that deposit can be cancelled; after that it cannot. | Drawn from the USDT or USDC your company keeps in its partner wallet. Your server signs each order into on-chain escrow, and if a funded payout stops, the money goes back to that wallet. |
| Pricing | A percentage built into the quoted rate, set by currency pair, volume and contract, plus a flat fee on some rails, such as 15 USD for a US wire and 2 USD for SEPA. A quote holds for 5 minutes. | No single rate: the fee depends on the currency and payment method, and each quote shows it beside your own fee and the total. An order that does not complete is not charged. |
| Your margin | A partner fee on each quote, in basis points, a flat amount or both. Unblock says it takes no revenue share and serves no end client directly. | Your own percentage fee on each quote, paid into your partner wallet when the order completes. |
| Client checks | Every end user becomes an Unblock customer and passes KYC or KYB through a hosted Sumsub link or a document upload. USD and EUR ramps may need enhanced documents. | Each client passes the Unigox identity check: an ID document and a selfie, a reused Sumsub or Persona check, or a Unigox verification link. Your company passes KYB first. |
| Regulation | Unblock Sociedade Prestadora de Serviços de Ativos Virtuais Ltda., a virtual asset service provider in Brazil, working under the Central Bank's transition rules while it applies for authorisation under Resolution 520/2025. | 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. |
UnigoxRoute the currencies Unblock Pay lacks to Unigox
Bring your currency list to a call
List the currencies your clients use that Unblock Pay has no rail for, and whether they pay and get paid by bank or mobile money. Markets are agreed on the call, then your company passes Unigox KYB.
Swap the Unblock payout call for a signed order
Where an Unblock payout draws on a wallet Unblock holds or returns a deposit address, a Unigox payout is paid from your partner wallet with a transfer your server signs. Test it first in the sandbox, whose endpoints match production.
Verify clients and load the wallet
Each client passes the Unigox identity check, and an eligible Sumsub or Persona check can be reused. Your first live payout needs USDT or USDC already in the partner wallet.
Unblock Pay alternatives: questions
Which Unblock Pay alternative covers other currencies?
Unigox, for an FX operator or platform that pays and collects for verified clients in currencies Unblock Pay does not list. Where the Payments API serves the market, clients pay and get paid by bank or mobile money, settled in USDT or USDC in your partner wallet. Keep Unblock for Pix, SPEI and USD account details in your clients' names.
What is UnblockPay?
UnblockPay, which also calls itself Unblock, is a Brazilian stablecoin API for FX operators and payment platforms. It runs on and off ramps over Pix, SPEI, Transfers 3.0, ACH, wire, SWIFT and SEPA, issues USD and EUR virtual accounts and stablecoin wallets, and lets partners add their own spread.
How does Unblock Pay charge for a conversion?
Its docs describe a percentage built into the quoted rate, which varies by currency pair, volume and contract, and a flat fee on some rails, such as 15 USD for a US wire. A Unigox Payments API quote lists the Unigox fee, your own fee and the total before you confirm.
Can I keep Unblock Pay and add Unigox for other currencies?
Yes. You can keep Pix, SPEI and SEPA on Unblock Pay and send only the other currencies to Unigox. Unblock's customer approvals do not carry over: your company passes Unigox KYB and each client passes the Unigox identity check.
Price payouts in currencies Unblock Pay does not reach
Tell us which currencies your clients need beyond BRL, MXN, ARS, USD and EUR, and whether by bank or mobile money. We reply with what the Payments API covers in each, so you can compare a Unigox quote with how you settle them today.
Unblock Pay 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.