1. Get started
BPN OpenAPI
  • Get started
    • Introduction to BPN
    • Introduction to API
    • Architecture Overview
    • Authentication
    • Environments
    • Response envelope
    • Idempotency
  • Guides
    • Virtual Account
      • Virtual Account Overview
      • VA · Payin
      • VA · Payout
      • VA · RFI
      • VA · Statuses
      • VA · Currencies & limits
    • Wallet
      • Wallet Overview
      • Wallet · Deposit
      • Wallet · Withdraw
      • Wallet · Transfer
      • Wallet · Statuses
      • Wallet · Assets & limits
    • Convert
      • Convert Overview
      • Convert · Quote & submit
      • Convert · Business types
      • Convert · Pairs & limits
      • Convert · Statuses
  • API Reference
    • Virtual Account
      • Virtual Account field notes
      • Inquiry Master VA Balance
      • List Primary Virtual Accounts
      • Create Virtual Account
      • Get Virtual Account Detail
      • List Virtual Account
      • List Virtual Account Orders
      • Get Virtual Account Order Detail
      • Refund Virtual Account Order
      • List RFI Sub Virtual Account
      • Get Sub Virtual Account RFI Template Info
      • Sub Virtual Account Submit RFI
      • Add Bank Account
      • List Bank Account
      • List Banks
      • Payout via Virtual Account
      • Send Email Verify Code
    • Wallet
      • Wallet field notes
      • Get Asset Balance
      • Get Deposit Address
      • Add Deposit Sender
      • Add Withdraw Whitelist
      • Delete Withdraw Whiltelist
      • Request Withdraw
      • Query Wallet Internal Transfer Detail
      • List Wallet Internal Transfer order
      • Wallet Internal Transfer
      • Create Sub Account
      • Query Transaction History
      • List Wallets
      • List Sub Account
    • Payment Link
      • Abnormal fund
        • Abnormal funds
        • Matchable Payment links
        • Link Order(Abnormal fund)
        • Submit to platform
      • Create Payment Link
      • List Payment links
      • Get Curreny Network Config
    • Convert
      • Convert field notes
      • Inquery FX Rate
      • Get Stablecoin Quote
      • Create Stable Order
      • Get Order (Single) Detail
      • List Orders(Batch)
    • KYB
      • Share KYB/KYC Info For Sub User
      • Get KYB Sub User Status
    • Reconciliation
      • Get Reconciliation Order List By Page
    • External Provider
      • FE: Create stablecoin collection sub-account link
      • Create stablecoin collection sub-account link
      • Get sub wallet account
      • List sub wallet accounts
      • Change sub wallet status
      • Query stablecoin collection order list
      • Query stablecoin collection order status
      • Get quote
      • Accept stablecoin collection order
      • Reject stablecoin collection order
      • Query USD balance
      • USD Payout (withdrawal)
      • Query USD Payout order status
      • Query USD Payout order list
    • Mock
      • Mock Virtual account Payin Order
      • Mock wallet deposit transaction
      • Mock Payin Order Refund
      • Mock Payout Order Update Status
    • Pay Session
      • Request Pay Session
  • Webhooks
    • Webhooks Overview
    • Event catalogue
    • KYB notifications
    • 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
    • Abnormal Fund Notification
    • WALLET_TRANSFER_ORDER_UPDATED
    • Sub Virtual Account RFI Required
    • Sub Wallet Update
    • wallet address whitelist Copy
    • Crypto Deposit Order Notification
    • Collect Order Updated
    • Usd Payout Order Updated
    • onboard result
    • partner order status
    • PaymentLink Notification
  • Partner Flow
    • inquiry supported currency
    • KYC/KYB Sharing
    • inquiry onboard status
    • get price
    • Create order
    • order list
    • inquiry single order
    • get user deposit address
    • get payment instruction
    • sync fund notification
    • daily settlement records
  • Appendix
    • Enums quick reference
    • Virtual Account(VA) Support List & KYB requirement
  • Release Notes & Changelog
  • Errors
    • Error codes catalogue
  1. Get started

Introduction to BPN

The Better Payment Network (BPN)#

The Better Payment Network (BPN) is an API-first infrastructure for cross-border payments, FX conversion, and stablecoin settlement. Through a single set of APIs, partners can collect local fiat, request executable FX quotes, convert between fiat and supported stablecoins, settle funds across borders, and reconcile transactions end-to-end.
Rather than a traditional payment gateway, a standalone crypto bridge, or a single-market FX provider, BPN is a programmable settlement layer that combines payment execution, FX conversion, stablecoin liquidity, and operational controls in one unified network.

Core Positioning#

Cross-Border Payments
FX Conversion
Stablecoin Settlement
Compliance-Ready
A unified API layer for local fiat collection, settlement tracking, and payout across supported markets and corridors.

What You Can Build#

Local Fiat Pay-In
Accept payments in supported local currencies, with structured references and webhook confirmation.
FX Quote & Execution
Request executable quotes, lock rates where applicable, and execute conversion across supported pairs.
Cross-Currency Settlement
Collect in one market and settle in another, powered by FX and stablecoin rails.
Fiat & Stablecoin Payout
Push funds to beneficiaries in local fiat or supported stablecoins with full status tracking.
Treasury & Balances
Track balances, conversion records, and settlement positions across currencies.
Reconciliation & Reporting
Query transactions, verify webhooks, generate settlement reports, and handle exceptions.

Core API Modules#

KYB
Business onboarding and verification for partners and corporate customers.
Account Management
Create and manage partner accounts, customer accounts, and sub-accounts across the lifecycle.
Wallet
Stablecoin balances, deposits, withdrawals, and internal transfers.
FX
Executable quotes and conversion across supported fiat and stablecoin pairs.
BPN Transactions
End-to-end cross-border payment, conversion, and settlement transactions.
Pay Session
Initialize hosted payment sessions for collection and checkout flows.
Crypto Payment Link
Generate shareable payment links for stablecoin and crypto acceptance.
External Provider
Integrate third-party providers for collection, payout, and FX execution.
Reconciliation
Transaction inquiry, balance reconciliation, and settlement reports.
Webhooks & Events
Event-driven notifications for payments, conversions, payouts, and settlements.
Sandbox & Testing
A dedicated Mock endpoint set is available for simulating success, failure, and edge-case scenarios end-to-end before going live. See Mock APIs for details.

Who BPN Is For#

💡
PSPs and payment platforms — reduce the complexity of integrating multiple local rails, FX providers, and settlement channels.
💡
Merchants and enterprises — enable local collection, cross-currency conversion, and faster cross-border settlement.
💡
Remittance and treasury platforms — programmable APIs for fiat, stablecoin, FX, payout, and reconciliation workflows.
💡
Financial institutions and liquidity partners — a structured API channel to participate in stablecoin-enabled settlement and FX flows.

Next Steps#

Get Started
Start with Authentication to provision your API credentials, then walk through your first collection-to-payout flow in the Quick Start guide. Detailed reference for every endpoint lives under API Reference.
Next
Introduction to API
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