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, and the source of funds is always USD held in your Lead account. 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, 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 — always a Lead account number.
Creditor: This specifies where the funds are going. You configure these inline for each individual payment request.

Requirements

Every request requires:

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

Blockchain Payment Object

{
  "id": "blockchain_payment_8888",
  "debtor": {
    "account_identifier": {
      "type": "account_number_id",
      "value": "account_number_1234"
    },
    "entity_id": "entity_67890"
  },
  "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": "USD",
    "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 to send USD from your Lead account.

USD Funding Source

Debtor sends dollars from Lead.

Banking Infrastructure

Lending & Receivables

Payment Rails

Customers & Accounts

Network Settlement

Overview

How Blockchain Payments Work

Sending Blockchain Payments

Requirements

Sending Payments

Blockchain Payment Object

Get Started

USD Funding Source

​Overview

​How Blockchain Payments Work

​Sending Blockchain Payments

​Requirements

​Sending Payments

​Blockchain Payment Object

​Get Started

USD Funding Source

Overview

How Blockchain Payments Work

Sending Blockchain Payments

Requirements

Sending Payments

Blockchain Payment Object

Get Started