BPN OpenAPI
  1. Getting Started
BPN OpenAPI
  • Getting Started
    • Introduction to BPN
    • Key Concepts & Terminology
    • Architecture Overview
  • Onboarding & Prerequisites
    • Product Demo
    • Sandbox & Test Environment
    • Signature Authentication Mechanism
  • Use Case
    • Transfer
    • Vault
    • On/Off Ramp
    • Compliance (Travel Rule Information Submission)
    • Fiat Collection(BRL PIX for example)
  • API Reference
    • Account Management
      • Inquiry Master VA Balance
      • Create Virtaul Account
      • Get Virtual Account Detail
      • List Virtual Account
      • Send Email Verify Code
      • Query bank info by account number
      • Payout via Virtual Account
      • Refund Virtual Account Order
      • Get Virtual Account Order Detail
      • List Virtual Account Orders
      • Submit Invoice
      • Get Invoice list Status
      • List Banks
      • Add Bank Account
      • List Bank Account
      • List RFI Sub Virtual Account
      • Get Sub Virtual Account RFI Template Info
      • Sub Virtual Account Submit RFI
    • Wallet
      • List Wallets
      • List Sub Account
      • Create Sub Account
      • Wallet Internal Transfer
      • Get Asset Balance
      • Get Deposit Address
      • Add Deposit Sender
      • Add Withdraw Whitelist
      • Delete Withdraw Whiltelist
      • Request Withdraw
      • Query Transaction History
    • FX
      • Inquery FX Rate
    • BPN Transactions
      • Get Stablecoin Quote
      • Create Stable Order
      • Get Order (Single) Detail
      • List Orders(Batch)
    • Reconciliation
      • Get Reconciliation Order List By Page
    • Crypto Payment Link
      • Create Payment Link
      • List Payment links
      • Get Curreny Network Config
    • Mock
      • Mock Virtual account Payin Order
  • Webhooks & Events
    • Resend Fail Webhook
      POST
    • Open Virtual Account Status
    • Virtual Account Payment Status
    • Virtual Account Invoice update
    • Transaction Status Notification
    • KYB Status Notification
    • Deposit Sender Detail Required
  • Appendix
    • Enum
    • Virtual Account(VA) Support List & KYB requirement
  • Release Notes & Changelog
    • Version History
  • Schemas
    • walletBalance
    • walletAddress
    • transactionRecord
  1. Getting Started

Introduction to BPN

The Better Payment Network (BPN) is a programmable, blockchain-native payments infrastructure designed to enable borderless, multi-stablecoin, multi-currency cross-border transactions. Built natively on the BNB Chain, BPN combines on-chain transparency and programmability with off-chain foreign exchange (FX) clearing capabilities, creating a unified settlement layer that meets the performance, compliance, and cost-efficiency requirements of global payments.
Unlike traditional bridge-based solutions, BPN operates with native stablecoin liquidity and a dual-layer clearing architecture:
Permissioned Layer
Permissionless Layer
Fiat-backed OTC swaps with zero slippage, regulated reserve custody, and compliance enforcement.
BPN’s protocol standard, BPN-20, governs all core functions including:
Stablecoin minting and redemption
Cross-stablecoin swaps and routing
Liquidity aggregation across canonical pools and external sources
Integration with institutional FX order flow
Through a single API and smart contract interface, BPN supports payment service providers (PSPs), merchants, stablecoin issuers, market makers, and financial institutions in accessing a shared liquidity network that enables:
Near-instant settlement across supported currencies
Regulatory-aligned programmable compliance
Cost reduction compared to legacy correspondent banking models
24/7 availability with institutional-grade reliability
BPN is designed as a foundational protocol for the next generation of cross-border payments, addressing three key challenges:
1.
Fragmented Stablecoin Liquidity – Consolidating liquidity across multiple stablecoin issuers and blockchains.
2.
Inefficient Settlement – Eliminating the latency and cost associated with traditional bank rails.
3.
Compliance Integration – Embedding regulatory safeguards directly at the protocol level.
By uniting DeFi-native infrastructure with real-world payment use cases, BPN enables an inclusive ecosystem where:
💡
Businesses can transact globally in local and foreign currencies without friction.
💡
Developers can build payment and remittance applications on a robust settlement layer.
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Institutions can bridge digital asset markets with traditional FX liquidity.
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Key Concepts & Terminology
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