CBPay is a multi-currency payment platform for Latin America. Every
account holds four independent virtual balances — USDT (the operating
currency), USDC, BTC and GOLD (grams of gold) — and operates against
them:
Fiat payouts
Send money to local bank accounts in Chile, Peru, Mexico, Venezuela,
Bolivia, Brazil, Paraguay, Ecuador and Argentina — including paying
scanned PIX QRs.
Fiat payins
Collect in local currency (QR, transfers, dedicated accounts, pull
collections) and get credited automatically.
Checkout
A universal payment link: your payer picks their country, method or
crypto on a hosted page and you settle in the asset you choose.
Cards & subscriptions
Issue cards that spend from any balance in real time, accept card
payments, save cards on file and schedule recurring
charges.
QR POS
Register verified merchants and generate amount-bound crypto QR
charges for physical points of sale.
On-chain crypto
Fund and withdraw USDT/USDC over TRON and Ethereum, and native BTC
over Bitcoin — every account is born with its deposit wallets.
Swaps
Convert between your USDT, USDC, BTC and GOLD balances at your
account’s rate, instantly.
Internal transfers
Move balance to any other CBPay account — by ID, alias, QR or verified
phone — instantly and free of charge.
Banking
Real bank accounts in your name: receive, hold and send money over
international rails (SEPA, SWIFT, ACH), including third-party
accounts.
Segregated wallets
Dedicated on-chain wallets with their own balance, isolated from the
ledger — create, import and export them.
KYC/KYB & compliance
Person and company verification, plus standalone
AML screening and
crypto address screening.
Statement & analytics
Full statement per period (JSON, PDF, Excel) with guaranteed
accounting balance, receipts per operation and
an analytics summary ready to chart.
How it works
Fiat operations revolve around the USDT balance — money comes in on one side, converts, and goes out the other. The USDC, BTC and GOLD balances move via swaps, on-chain deposits and withdrawals, internal transfers, payout settlement (settlement_asset) and automatic
payin conversion (default_payin_asset):
- CBPay gives you access: email/password registration or a direct API key.
- You fund your account: with a fiat payin or an on-chain USDT deposit.
- You operate: payouts, transfers, withdrawals — everything debits and credits your USDT balance with FX conversion at execution time.
- You stay informed: every movement lands in an immutable history
(
GET /v1/movements) and events reach your webhooks.
Base URLs and environments
CBPay runs two fully isolated environments with the exact same API:
All paths in this documentation are relative to those base URLs. Build
against test first and go live by swapping the URL and the key —
details, magic values and the go-live checklist in
environments and testing.
Amounts are always decimal strings (e.g.
"10.500000"), never floating
point numbers. Each currency uses its own precision: 6 decimals for
USDT/USDC/GOLD and 8 for BTC.Next steps
1
Create your account and token
Follow the quickstart to register and make your first
call.
2
Understand the money model
Read money model and
fees.