BPN
  1. Getting Started
BPN
  • Getting Started
    • Introduction to BPN
    • Key Concepts & Terminology
    • Architecture Overview
  • Onboarding & Prerequisites
    • Product Demo
    • Sandbox & Test Environment
  • Use Case
    • Transfer
    • Vault
    • On/Off Ramp
    • Compliance (Travel Rule Information Submission)
  • API Reference
    • KYB
      • Share KYB Info For Sub User
      • Get KYB Sub User Status
    • Account Management
      • add bank account
      • list bank account
      • create virtaul account
      • list virtual account
      • Master VA balance inquiry
      • list virtual account orders
      • refund virtual account order
    • Wallet
      • Get Asset Balance
      • Get Deposit Address
      • Add Deposit Sender
      • Add Withdraw Whitelist
      • Delete Withdraw Whiltelist
      • Request Withdraw
      • Query Transaction History
    • FX
      • fx inquery
    • BPN Transactions
      • get stablecoin quote
      • create stable order
      • get order (single) detail
      • list orders(batch)
    • Reconciliation
  • Webhooks & Event
    • resend fail webhook
      POST
    • KYB Status Notification
      POST
    • Transaction Status Notification
      POST
    • Account Status Notification
      POST
    • Open Virtual Account Status
      POST
    • Deposit Sender Detail Required
      POST
    • virtual account payment status
      POST
  • Appendix
    • Enum
    • Virtual Account(VA) Support List
  • Release Notes & Changelog
    • Version History
  • Schemas
    • 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.
💡
Institutions can bridge digital asset markets with traditional FX liquidity.
Modified at 2025-08-26 14:55:35
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Key Concepts & Terminology
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