Blockchain Payments at Lead: Stablecoins and Cross-Border Payouts

Overview

A blockchain payment is a transfer of funds that occurs over blockchain networks. Lead converts funds between USD and stablecoins and enables USD payouts to international corridors by routing through blockchain infrastructure. Blockchain payments use the same API structure as other Lead payment rails, allowing you to treat stablecoins as another settlement option alongside wires and ACH. Our API abstracts blockchain complexity away, so you initiate transfers without managing wallets, on-chain transactions, or network operations.

How Blockchain Payments Work

Blockchain payments move funds from a Lead entity to various destinations. You always have a Lead customer or entity that initiates the transfer, but the source of funds can come from either your Lead account (USD) or your external wallet (stablecoins). Your source of funds:

USD held in your Lead account, or
Stablecoins held in an external blockchain wallet you control

Your destination options:

External stablecoin wallet (yours or a third party’s)
Your Lead account (as USD)
Foreign currency bank account (MXN, COP, BRL, EUR, GBP)

When you initiate a payment via the API, you specify your source (account or wallet), your destination (wallet or bank account), and the amount. Lead handles currency conversion, settlement across blockchain rails, and delivery to your specified destination.

Sending Blockchain Payments

Requirements

To send blockchain payments, you need:

A Lead business account with deposit accounts for fiat sources
An entity registered in Lead’s system — as the sender, you must always be a Lead entity

Sending Payments

POST

Use the POST /v0/blockchain_payments endpoint to initiate any blockchain payment.

Critical Components

Two critical components define each transfer operation:

Debtor: This specifies where the funds come from. The source is either a Lead account number or a digital asset wallet.
Creditor: This specifies where the funds are going. You configure these inline for each individual payment request.

Requirements

Every request requires:

Source account or wallet: A Lead account number (for fiat sources) or an external blockchain wallet address (for stablecoin sources) that a Lead entity owns
Destination details: A blockchain wallet address or bank account
Amount and currency: The instructed amount in USD or a supported stablecoin, plus the settlement currency
Payment purpose: The reason for the transfer

Blockchain Payment Object

{
  "id": "blockchain_payment_8888",
  "debtor": {
    "account_identifier": {
      "type": "wallet_address",
      "value": "0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48"
    },
    "chain": "base",
    "refund_wallet_address": "0xB9m86771c6218b36c1d19D4a2e9Eb0cE3606eB49",
    "funding_instructions": {
      "from_wallet_address": "0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48",
      "chain": "base",
      "amount": 1000000,
      "currency_code": "USDC",
      "to_wallet_address": "0x022e3fD8662c84AF51fF06d7DcAe0b675416dab4"
    },
    "entity_id": "entity_67890",
    "name": "John Smith",
    "address": {
      "line_one": "123 Second Ave",
      "line_two": "Apt 643",
      "city": "New York",
      "country": "US",
      "state": "NY",
      "postal_code": "10001"
    }
  },
  "creditor": {
    "payment_rail": "spei",
    "clabe": {
      "account_number": "00218090010000001234"
    },
    "type": "business",
    "business": {
      "business_name": "Acme Mexico SA de CV"
    },
    "address": {
      "line_one": "Av. Reforma 123",
      "city": "Ciudad de México",
      "country": "MX",
      "postal_code": "06600"
    }
  },
  "creditor_agent": {
    "bank_name": "BBVA México",
    "country_code": "MX",
    "address": {
      "line_one": "Av. Paseo de la Reforma 505",
      "city": "Ciudad de México",
      "country": "MX",
      "postal_code": "06500"
    }
  },
  "amounts": {
    "instructed_amount": 1000000,
    "instructed_currency_code": "USDC",
    "settlement_currency_code": "MXN",
    "settlement_amount": 17461350,
    "settlement_exchange_rate": 1746
  },
  "payment_purpose": {
    "type": "invoice_payment"
  },
  "reference": "INV-MXN-2026-001",
  "status": "posted",
  "created_at": "2026-02-24T11:22:33Z",
  "updated_at": "2026-02-24T11:22:33Z"
}

Get Started

Learn how to call the POST /v0/blockchain_payments endpoint based on whether your funds are in dollars at Lead or in stablecoins in a wallet you control.

USD Funding Source

Debtor sends dollars from Lead.

Stablecoin Funding Source

Debtor sends stablecoins from a wallet they control.

Banking Infrastructure

Funding & Settlement

Payment Rails

Customers & Accounts

Overview

How Blockchain Payments Work

Sending Blockchain Payments

Requirements

Sending Payments

Blockchain Payment Object

Get Started

USD Funding Source

Stablecoin Funding Source

​Overview

​How Blockchain Payments Work

​Sending Blockchain Payments

​Requirements

​Sending Payments

​Blockchain Payment Object

​Get Started

USD Funding Source

Stablecoin Funding Source

Overview

How Blockchain Payments Work

Sending Blockchain Payments

Requirements

Sending Payments

Blockchain Payment Object

Get Started