# blockwallets

> blockwallets (https://blockwallets.io) is a crypto payment gateway for merchants. Customers pay in 17 coins on 15 networks: stablecoins (USDT, USDC, USD1, FDUSD and DAI) or BTC, LTC, DOGE, BCH, TRX, BNB, ETH, POL, AVAX, OKB, SOL, TON; the merchant is credited in US dollars and withdraws to their own wallet. It works without code (payment links, a POS for shops, embeddable buttons) or through an API: a Cryptomus-compatible API, compatible APIs for NOWPayments and Coinbase Commerce, or a native REST API. The private keys that can move funds are never stored on an internet-facing server.

Status: private beta. Merchants request access at https://blockwallets.io/#join and are onboarded by email.

## What it does

- Accept USDT, USDC, USD1, FDUSD and DAI on TRON, BNB Chain, Ethereum, Base, Polygon, Arbitrum, Optimism, Avalanche, X Layer, Solana, TON. Stablecoins are credited at par: 1 USDT = 1 USDC = 1 USD, with no exchange rate and no spread.
- Also accept BTC, LTC, DOGE, BCH, TRX, BNB, ETH, POL, AVAX, OKB, SOL, TON. These are quoted at a market rate locked for 30 minutes and credited in US dollars.
- Payment links (no code): set an amount in the merchant dashboard and get a link and QR code to share in a chat, on a website or a social profile. Every visit creates a fresh bill.
- API: create a payment with an amount and an order number, redirect the customer to the hosted payment page, and receive a signed webhook when the money arrives.
- Static wallets: a permanent deposit address per user and per network, for top-ups without entering an amount first.
- Hosted payment page in 13 languages with QR code, exact amount, countdown and redirect back to the merchant's site.
- Every bill gets its own receiving address, so payments match orders without memos. The same `order_id` always returns the same bill, so retries never double-charge.
- Underpaid, overpaid and late payments are all recorded and reported with the exact amount received.
- Withdrawals to the merchant's own wallet: request one at any time, or have requests opened automatically once the balance reaches a chosen amount or once a day. Every payout is reviewed by a person before it is sent (a newly added payout address waits 24 hours before its first payout) and shows its on-chain transaction.
- Test mode with separate credentials on public testnets and a one-click simulated payment.

## Pricing

- 1% of each payment received as standard, lowered automatically by the previous calendar month's live volume: 0.9% from $50,000, 0.8% from $100,000, 0.7% from $250,000, 0.6% from $500,000 and 0.5% from $1,000,000 (never below 0.5%). The same tiers for every merchant; no negotiation, monthly fee, setup fee or minimum volume.
- The customer pays the blockchain network fee when sending; the bill amount arrives in full.
- The fee can be passed on to the customer with `subtract` (0–100%), as with Cryptomus. Webhooks report it as `commission`, with `merchant_amount` = received − commission.
- Withdrawals are free (we pay the network fee), minimum $10.00. Test mode is free.
- Details and a comparison with Cryptomus, NOWPayments, OxaPay and Plisio: https://blockwallets.io/pricing

## How a payment is confirmed

1. The merchant (or a payment link) creates a bill with an amount in USD and an order number.
2. The customer picks a coin and network on the hosted payment page and sends to a fresh address.
3. blockwallets scans the chain every minute and waits for enough confirmations (see the table below; on most chains the required depth grows with the amount), then a second, independent node provider must see the same transfer, amount and address before it counts.
4. The bill becomes `paid`, the merchant's server gets a signed webhook (retried for about two and a half days if it is down), and the amount is credited to the merchant balance in USD.

## Security model

- Online servers hold only an extended public key (xpub): they can derive receiving addresses and read balances but cannot send funds. Pasting a private key into the system is refused.
- Receiving wallets are pinned in the deployment config, so a stolen admin login or an edited database cannot redirect payments.
- Two independent data sources from an allowlist must agree before a payment counts.
- The private keys that can move funds are never on a server that serves the public; they are used only in a signing environment isolated from the online services. Sweeps only go to fixed cold-wallet addresses; payouts to merchants are approved by a person and only go to the merchant’s registered withdrawal address.
- If any safeguard is missing, that network stops accepting payments instead of accepting them unsafely.

## Ways to integrate

Overview with a chooser: https://blockwallets.io/docs?lang=en

- **No code**: payment links (a URL and QR code per amount; every visit creates a fresh bill), a POS link for shop staff on a phone or tablet, and an embeddable pay / donate button (plain HTML, or HTML plus https://blockwallets.io/embed.js). All from the merchant dashboard.
- **Cryptomus-compatible API** (for projects already on Cryptomus or using an existing Cryptomus SDK / plugin; credentials are self-serve in the dashboard): https://blockwallets.io/docs/cryptomus?lang=en
- **Native REST API** (recommended for new integrations; Bearer keys, amounts in US cents, HMAC-SHA256 webhooks; keys are self-serve in the dashboard): https://blockwallets.io/docs/api?lang=en
- **Integrate with AI**: prompt generator https://blockwallets.io/docs/ai?lang=en, rules for coding agents https://blockwallets.io/agents.md, MCP server https://blockwallets.io/docs/mcp?lang=en

## Migrating from Cryptomus, NOWPayments or Coinbase Commerce

Compatible APIs keep existing code working; overview: https://blockwallets.io/docs/migrate?lang=en

| Coming from | Change the base URL | New credentials | Webhook signature | Guide |
|---|---|---|---|---|
| Cryptomus | `https://api.cryptomus.com` → `https://blockwallets.io` | merchant + API key | `sign` field, `md5(base64(body) + API key)` | https://blockwallets.io/docs/cryptomus?lang=en |
| NOWPayments | `https://api.nowpayments.io/v1` → `https://blockwallets.io/nowpayments/v1` | API key + IPN secret | `x-nowpayments-sig` (HMAC-SHA512) | https://blockwallets.io/docs/nowpayments?lang=en |
| Coinbase Commerce | `https://api.commerce.coinbase.com` → `https://blockwallets.io/coinbase/` (SDK base URL) | API key + webhook shared secret | `X-CC-Webhook-Signature` (HMAC-SHA256) | https://blockwallets.io/docs/coinbase-commerce?lang=en |

The Cryptomus-compatible API uses the same endpoints (`POST /v1/payment`, `POST /v1/payment/info`, `POST /v1/wallet`, …), parameters, `sign` header (`md5(base64(body) + API key)`) and webhook format as Cryptomus. The NOWPayments and Coinbase Commerce layers cover receiving payments (payments, invoices, charges, status, lists and webhooks); payouts, conversion and subscriptions are not available.

## Supported networks

| Coin | Network | Pricing | Confirmation | Typical arrival | Minimum |
|---|---|---|---|---|---|
| USDT | TRON (TRC-20) | 1:1 with USD | 5 / 19 + finalized / 19 + finalized blocks (by amount) | ~1 min | $1.00 |
| USDT | BNB Smart Chain (BEP-20) | 1:1 with USD | 3 / 15 / 15 + finalized blocks (by amount) | ~1 min | $1.00 |
| USDC | BNB Smart Chain (BEP-20) | 1:1 with USD | 3 / 15 / 15 + finalized blocks (by amount) | ~1 min | $1.00 |
| USDT | Ethereum (ERC-20) | 1:1 with USD | 2 / 6 + safe / 6 + finalized blocks (by amount) | ~1 min | $5.00 |
| USDC | Ethereum (ERC-20) | 1:1 with USD | 2 / 6 + safe / 6 + finalized blocks (by amount) | ~1 min | $5.00 |
| USDC | Base | 1:1 with USD | 2 / 20 + safe / 20 + finalized blocks (by amount) | ~1 min | $1.00 |
| USDT | Polygon PoS | 1:1 with USD | 3 + finalized / 10 + finalized / 10 + finalized blocks (by amount) | ~1 min | $1.00 |
| USDC | Polygon PoS | 1:1 with USD | 3 + finalized / 10 + finalized / 10 + finalized blocks (by amount) | ~1 min | $1.00 |
| USDT | Arbitrum One | 1:1 with USD | 2 / 20 + safe / 20 + finalized blocks (by amount) | ~1 min | $1.00 |
| USDC | Arbitrum One | 1:1 with USD | 2 / 20 + safe / 20 + finalized blocks (by amount) | ~1 min | $1.00 |
| USDT | OP Mainnet (Optimism) | 1:1 with USD | 2 / 20 + safe / 20 + finalized blocks (by amount) | ~1 min | $1.00 |
| USDC | OP Mainnet (Optimism) | 1:1 with USD | 2 / 20 + safe / 20 + finalized blocks (by amount) | ~1 min | $1.00 |
| USDT | Avalanche C-Chain | 1:1 with USD | 1 + finalized / 3 + finalized / 3 + finalized blocks (by amount) | ~1 min | $1.00 |
| USDC | Avalanche C-Chain | 1:1 with USD | 1 + finalized / 3 + finalized / 3 + finalized blocks (by amount) | ~1 min | $1.00 |
| USDT | X Layer | 1:1 with USD | 2 / 20 + safe / 20 + finalized blocks (by amount) | ~1 min | $1.00 |
| USDC | X Layer | 1:1 with USD | 2 / 20 + safe / 20 + finalized blocks (by amount) | ~1 min | $1.00 |
| USD1 | BNB Smart Chain (BEP-20) | 1:1 with USD | 3 / 15 / 15 + finalized blocks (by amount) | ~1 min | $1.00 |
| FDUSD | BNB Smart Chain (BEP-20) | 1:1 with USD | 3 / 15 / 15 + finalized blocks (by amount) | ~1 min | $1.00 |
| DAI | Ethereum (ERC-20) | 1:1 with USD | 2 / 6 + safe / 6 + finalized blocks (by amount) | ~1 min | $5.00 |
| DAI | Arbitrum One | 1:1 with USD | 2 / 20 + safe / 20 + finalized blocks (by amount) | ~1 min | $1.00 |
| DAI | Base | 1:1 with USD | 2 / 20 + safe / 20 + finalized blocks (by amount) | ~1 min | $1.00 |
| BTC | Bitcoin | market rate, locked 30 min | 1 / 2 / 3 blocks (by amount) | ~10 min | $5.00 |
| LTC | Litecoin | market rate, locked 30 min | 1 / 3 / 6 blocks (by amount) | ~3 min | $1.00 |
| DOGE | Dogecoin | market rate, locked 30 min | 1 / 10 / 40 blocks (by amount) | ~1 min | $1.00 |
| BCH | Bitcoin Cash | market rate, locked 30 min | 1 / 3 / 6 blocks (by amount) | ~10 min | $1.00 |
| TRX | TRON | market rate, locked 30 min | 5 / 19 + finalized / 19 + finalized blocks (by amount) | ~1 min | $1.00 |
| BNB | BNB Smart Chain | market rate, locked 30 min | 3 / 15 / 15 + finalized blocks (by amount) | ~1 min | $1.00 |
| ETH | Ethereum | market rate, locked 30 min | 2 / 6 + safe / 6 + finalized blocks (by amount) | ~1 min | $5.00 |
| ETH | Base | market rate, locked 30 min | 2 / 20 + safe / 20 + finalized blocks (by amount) | ~1 min | $1.00 |
| ETH | Arbitrum One | market rate, locked 30 min | 2 / 20 + safe / 20 + finalized blocks (by amount) | ~1 min | $1.00 |
| ETH | OP Mainnet (Optimism) | market rate, locked 30 min | 2 / 20 + safe / 20 + finalized blocks (by amount) | ~1 min | $1.00 |
| POL | Polygon PoS | market rate, locked 30 min | 3 + finalized / 10 + finalized / 10 + finalized blocks (by amount) | ~1 min | $1.00 |
| AVAX | Avalanche C-Chain | market rate, locked 30 min | 1 + finalized / 3 + finalized / 3 + finalized blocks (by amount) | ~1 min | $1.00 |
| OKB | X Layer | market rate, locked 30 min | 2 / 20 + safe / 20 + finalized blocks (by amount) | ~1 min | $1.00 |
| USDT | Solana (SPL) | 1:1 with USD | confirmed / finalized / finalized (by amount) | ~1 min | $1.00 |
| USDC | Solana (SPL) | 1:1 with USD | confirmed / finalized / finalized (by amount) | ~1 min | $1.00 |
| SOL | Solana | market rate, locked 30 min | confirmed / finalized / finalized (by amount) | ~1 min | $1.00 |
| USDT | TON | 1:1 with USD | finalized block | ~1 min | $1.00 |
| TON | TON | market rate, locked 30 min | finalized block | ~1 min | $1.00 |

"By amount": confirmations scale with the bill amount (deposits: the transfer plus what the same deposit address received in the past 24 hours), under $1,000 / $1,000–4,999 / $5,000+; small payments arrive faster, large ones wait for the chain's finalized block.

## FAQ

- **What is blockwallets?** A payment gateway that lets online businesses accept USDT, USDC, BTC and other cryptocurrencies (17 coins on 15 networks), credited in US dollars, without running their own crypto infrastructure.
- **Do I need to understand crypto or write code?** No. Payment links work with zero code; customers pay from any exchange account or crypto wallet by scanning a QR code. To integrate the API without coding yourself, hand an AI assistant the prompt from https://blockwallets.io/docs/ai?lang=en.
- **Can an AI coding assistant integrate it?** Yes. Point it at https://blockwallets.io/agents.md (integration rules, common mistakes and an acceptance checklist) and https://blockwallets.io/llms-full.txt, or connect it to the MCP server described at https://blockwallets.io/docs/mcp?lang=en.
- **Is it an alternative to Cryptomus, NOWPayments or Coinbase Commerce?** Yes, for receiving payments. It has compatible APIs for all three, so existing integrations work by changing the base URL and credentials.
- **How much does it cost?** 1% per payment received, down to 0.5% with monthly volume (0.9% from $50,000, 0.8% from $100,000, 0.7% from $250,000, 0.6% from $500,000 and 0.5% from $1,000,000); no monthly or setup fee; withdrawals are free. See https://blockwallets.io/pricing.
- **Can payments be charged back?** No. A confirmed blockchain transfer cannot be pulled back like a card payment; refunds are the merchant's decision.
- **Where does the money go?** To the merchant's balance in USD. The merchant can request a withdrawal to their own wallet at any time (or set automatic requests); each one is reviewed by a person, and a new payout address waits 24 hours before its first payout.
- **What if the customer sends the wrong amount or pays late?** Late payments still count; underpayments and overpayments are reported with the exact amount received.

## Links

- [Website (English)](https://blockwallets.io/)
- [Website (Chinese)](https://blockwallets.io/?lang=zh)
- [Docs overview: every way to integrate (English)](https://blockwallets.io/docs?lang=en)
- [Docs overview (Chinese)](https://blockwallets.io/docs)
- [Cryptomus-compatible API](https://blockwallets.io/docs/cryptomus?lang=en): bills, static wallets, signing, webhooks, test mode, networks, errors
- [NOWPayments-compatible API](https://blockwallets.io/docs/nowpayments?lang=en): change only the base URL and keys
- [Coinbase Commerce-compatible API](https://blockwallets.io/docs/coinbase-commerce?lang=en): change only the SDK base URL and keys
- [Native REST API](https://blockwallets.io/docs/api?lang=en): invoices, deposit accounts, events, HMAC-SHA256 webhooks
- [Migration overview](https://blockwallets.io/docs/migrate?lang=en): what changes when coming from Cryptomus, NOWPayments or Coinbase Commerce
- [Pricing (English)](https://blockwallets.io/pricing): from 1% per payment, volume tiers down to 0.5%, no monthly fee, comparison with other gateways
- [Pricing (Chinese)](https://blockwallets.io/pricing?lang=zh)
- [Full docs as Markdown](https://blockwallets.io/llms-full.txt)
- [Integrate with AI (English)](https://blockwallets.io/docs/ai?lang=en): copy-ready prompts for Claude Code, Codex, Cursor and ChatGPT, with an acceptance checklist
- [Integrate with AI (Chinese)](https://blockwallets.io/docs/ai)
- [AGENTS.md for coding agents](https://blockwallets.io/agents.md): integration rules, common mistakes, acceptance checklist; save it in the project root
- [MCP server](https://blockwallets.io/docs/mcp?lang=en): search the docs and create test bills from an AI agent ([Markdown](https://blockwallets.io/docs/mcp.md?lang=en))
- MCP endpoints: `https://blockwallets.io/mcp` (OAuth 2.1 or a dashboard token; metadata at https://blockwallets.io/.well-known/oauth-protected-resource) and `https://blockwallets.io/mcp/public` (docs, networks and pricing tools, no sign-in)
- [Cryptomus alternative: blockwallets vs Cryptomus](https://blockwallets.io/vs/cryptomus?lang=en) · [中文](https://blockwallets.io/vs/cryptomus)
- [NOWPayments alternative: blockwallets vs NOWPayments](https://blockwallets.io/vs/nowpayments?lang=en) · [中文](https://blockwallets.io/vs/nowpayments)
- [CoinPayments alternative: blockwallets vs CoinPayments](https://blockwallets.io/vs/coinpayments?lang=en) · [中文](https://blockwallets.io/vs/coinpayments)
- [Request access](https://blockwallets.io/#join)

## Markdown versions

Every public page is also served as Markdown: append `.md` to the path (`?lang=en` / `?lang=zh` picks the language), or request the page with `Accept: text/markdown`.

Languages: every public page (home, pricing, the docs overview, the Cryptomus / NOWPayments / Coinbase Commerce-compatible and native API docs, the migration overview, signature checker, integrate with AI, MCP and the comparison pages) is available in 13 languages (zh, en, vi, pt, ru, ja, ko, tr, es, fr, de, id, th); add `?lang=` with the code, for example https://blockwallets.io/?lang=ja, https://blockwallets.io/docs?lang=de or https://blockwallets.io/pricing.md?lang=es. llms-full.txt and agents.md stay in English.

- [Home](https://blockwallets.io/index.md) · [中文](https://blockwallets.io/index.md?lang=zh)
- [Docs overview](https://blockwallets.io/docs.md?lang=en) · [中文](https://blockwallets.io/docs.md)
- [Cryptomus-compatible API](https://blockwallets.io/docs/cryptomus.md?lang=en) · [中文](https://blockwallets.io/docs/cryptomus.md)
- [NOWPayments-compatible API](https://blockwallets.io/docs/nowpayments.md?lang=en) · [中文](https://blockwallets.io/docs/nowpayments.md)
- [Coinbase Commerce-compatible API](https://blockwallets.io/docs/coinbase-commerce.md?lang=en) · [中文](https://blockwallets.io/docs/coinbase-commerce.md)
- [Native REST API](https://blockwallets.io/docs/api.md?lang=en) · [中文](https://blockwallets.io/docs/api.md)
- [Migration overview](https://blockwallets.io/docs/migrate.md?lang=en) · [中文](https://blockwallets.io/docs/migrate.md)
- [Signature checker](https://blockwallets.io/docs/sign.md?lang=en) · [中文](https://blockwallets.io/docs/sign.md)
- [Pricing](https://blockwallets.io/pricing.md) · [中文](https://blockwallets.io/pricing.md?lang=zh)
- [Integrate with AI](https://blockwallets.io/docs/ai.md?lang=en) · [中文](https://blockwallets.io/docs/ai.md)
- [MCP server](https://blockwallets.io/docs/mcp.md?lang=en) · [中文](https://blockwallets.io/docs/mcp.md)
- [Cryptomus alternative: blockwallets vs Cryptomus](https://blockwallets.io/vs/cryptomus.md?lang=en) · [中文](https://blockwallets.io/vs/cryptomus.md)
- [NOWPayments alternative: blockwallets vs NOWPayments](https://blockwallets.io/vs/nowpayments.md?lang=en) · [中文](https://blockwallets.io/vs/nowpayments.md)
- [CoinPayments alternative: blockwallets vs CoinPayments](https://blockwallets.io/vs/coinpayments.md?lang=en) · [中文](https://blockwallets.io/vs/coinpayments.md)