# blockwallets

> blockwallets (https://blockwallets.io) is a crypto payment gateway for merchants. Customers pay in stablecoins (USDT and USDC) or in BTC, LTC, TRX, BNB, ETH, POL, AVAX, OKB, SOL; the merchant is credited in US dollars and withdraws to their own wallet. It works without code (payment links) or through an API that is compatible with Cryptomus. 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 and USDC on TRON, BNB Chain, Ethereum, Base, Polygon, Arbitrum, Optimism, Avalanche, X Layer, Solana. Stablecoins are credited at par: 1 USDT = 1 USDC = 1 USD, with no exchange rate and no spread.
- Also accept BTC, LTC, TRX, BNB, ETH, POL, AVAX, OKB, SOL. 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 English and Chinese 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 on demand, or automatically once the balance reaches a chosen amount or once a day. Every payout is reviewed 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 $10,000, 0.8% from $25,000, 0.7% from $50,000, 0.6% from $100,000 and 0.5% from $200,000 (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, Plisio and Stripe: 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), 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.
- Moves to cold storage are signed on a separate offline machine that decodes and checks every field first.
- If any safeguard is missing, that network stops accepting payments instead of accepting them unsafely.

## Migrating from Cryptomus

The merchant 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. To migrate, change the base URL to https://blockwallets.io and swap the merchant ID and API key; the rest of the integration stays the same.

## Supported networks

| Coin | Network | Pricing | Confirmation | Typical arrival | Minimum |
|---|---|---|---|---|---|
| USDT | TRON (TRC-20) | 1:1 with USD | finalized block | ~1 min | $1.00 |
| USDT | BNB Smart Chain (BEP-20) | 1:1 with USD | 15 blocks | ~1 min | $1.00 |
| USDC | BNB Smart Chain (BEP-20) | 1:1 with USD | 15 blocks | ~1 min | $1.00 |
| USDT | Ethereum (ERC-20) | 1:1 with USD | 6 blocks | ~10 min | $5.00 |
| USDC | Ethereum (ERC-20) | 1:1 with USD | 6 blocks | ~10 min | $5.00 |
| USDC | Base | 1:1 with USD | 20 blocks | ~3 min | $1.00 |
| USDT | Polygon PoS | 1:1 with USD | 10 blocks | ~1 min | $1.00 |
| USDC | Polygon PoS | 1:1 with USD | 10 blocks | ~1 min | $1.00 |
| USDT | Arbitrum One | 1:1 with USD | 20 blocks | ~12 min | $1.00 |
| USDC | Arbitrum One | 1:1 with USD | 20 blocks | ~12 min | $1.00 |
| USDT | OP Mainnet (Optimism) | 1:1 with USD | 20 blocks | ~5 min | $1.00 |
| USDC | OP Mainnet (Optimism) | 1:1 with USD | 20 blocks | ~5 min | $1.00 |
| USDT | Avalanche C-Chain | 1:1 with USD | 3 blocks | ~1 min | $1.00 |
| USDC | Avalanche C-Chain | 1:1 with USD | 3 blocks | ~1 min | $1.00 |
| USDT | X Layer | 1:1 with USD | 20 blocks | ~2 min | $1.00 |
| USDC | X Layer | 1:1 with USD | 20 blocks | ~2 min | $1.00 |
| BTC | Bitcoin | market rate, locked 30 min | 1 block | ~10 min | $5.00 |
| LTC | Litecoin | market rate, locked 30 min | 3 blocks | ~8 min | $1.00 |
| TRX | TRON | market rate, locked 30 min | finalized block | ~1 min | $1.00 |
| BNB | BNB Smart Chain | market rate, locked 30 min | 15 blocks | ~1 min | $1.00 |
| ETH | Ethereum | market rate, locked 30 min | 6 blocks | ~10 min | $5.00 |
| ETH | Base | market rate, locked 30 min | 20 blocks | ~3 min | $1.00 |
| ETH | Arbitrum One | market rate, locked 30 min | 20 blocks | ~12 min | $1.00 |
| ETH | OP Mainnet (Optimism) | market rate, locked 30 min | 20 blocks | ~5 min | $1.00 |
| POL | Polygon PoS | market rate, locked 30 min | 10 blocks | ~1 min | $1.00 |
| AVAX | Avalanche C-Chain | market rate, locked 30 min | 3 blocks | ~1 min | $1.00 |
| OKB | X Layer | market rate, locked 30 min | 20 blocks | ~2 min | $1.00 |
| USDT | Solana (SPL) | 1:1 with USD | finalized block | ~1 min | $1.00 |
| USDC | Solana (SPL) | 1:1 with USD | finalized block | ~1 min | $1.00 |
| SOL | Solana | market rate, locked 30 min | finalized block | ~1 min | $1.00 |

Next network: TON.

## FAQ

- **What is blockwallets?** A payment gateway that lets online businesses accept USDT, USDC and other cryptocurrencies, 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.
- **Is it an alternative to Cryptomus?** Yes. It is API-compatible with Cryptomus, so existing Cryptomus 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 $10,000, 0.8% from $25,000, 0.7% from $50,000, 0.6% from $100,000 and 0.5% from $200,000); 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, withdrawable to the merchant's own wallet at any time or automatically.
- **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)
- [Integration docs (English)](https://blockwallets.io/docs?lang=en)
- [Integration docs (Chinese)](https://blockwallets.io/docs)
- [Migrating from NOWPayments / Coinbase Commerce](https://blockwallets.io/docs/migrate?lang=en): compatible APIs, change only the base URL and keys
- [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)
- [Request access](https://blockwallets.io/#join)