Move between USD and stablecoins, without the friction.
Blidata converts U.S. dollars to USDT and USDC — and back again — through regulated banking rails, or lets you hold and move money with a virtual USD account. Built for individuals, businesses and platforms.
Two products, one compliance layer
Convert in and out of stablecoins, or hold and move U.S. dollars — both backed by the same AML and sanctions program.
On/Off-Ramp
Turn USD into USDT or USDC and send it on-chain, or sell stablecoins and withdraw the proceeds to your bank. Quotes are locked before you settle.
Explore On/Off-RampVirtual Accounts
Get a virtual USD account to receive and send dollars, reconcile incoming payments automatically, and convert to stablecoins only when you need to.
Explore Virtual AccountsBuilt for the way money actually moves
Individuals
Buy and sell stablecoins with settled USD and transparent pricing.
Corporate treasury
Manage USD and stablecoin balances with audit trails and approvals.
Wallets & platforms
Embed buy and sell through a single API with compliance handled.
Global payout
Send dollars or stablecoins to recipients and counterparties.
From bank to blockchain in four steps
Open & verify
Create your account and complete KYC for individuals or KYB for businesses.
Fund with USD
Move dollars in by ACH, Fedwire or SWIFT from a bank account you control.
Convert
Review and lock a quote, then exchange USD for USDT or USDC.
Send or withdraw
Send stablecoins on-chain, or sell and withdraw USD back to your bank.
See how the money travels
Traditional wire versus Blidata
| Traditional wire | Blidata | |
|---|---|---|
| Settlement | 1–3 business days | Typically under 1 business day |
| Availability | Banking hours and cut-offs | Always-on monitoring and submission |
| Cost | High fixed wire fees | Transparent, fixed pricing |
| Tracking | Limited status updates | Live status from quote to settlement |
| Stablecoins | Not supported | Native USDT & USDC conversion |
Compliance is the product
Every conversion sits inside a documented AML and sanctions program — not added on afterward.
KYC / KYB onboarding
Risk-based identity and business verification before any settlement.
Transaction monitoring
Both fiat and on-chain activity are screened against risk indicators.
Sanctions screening
OFAC and other applicable lists applied to parties and addresses.
Periodic reviews
High, medium and low-risk relationships reviewed on a set cadence.
Embed on/off-ramp with one API
Wallets and platforms can quote, convert and settle without stitching together banks, liquidity and compliance separately. Onboarding, monitoring and sanctions checks run through Blidata.
Read the compliance approachcurl -X POST https://api.blidatapay.xyz/v1/quote \
-H "Authorization: Bearer sk_..." \
-d '{"side":"buy","asset":"USDT",
"amount":"1000","network":"TRC20"}'
{
"quote_id": "qt_8f31aa09",
"rate": "1.0000",
"you_receive": "1000.00 USDT",
"expires_at": "[ISO-8601]"
}
Questions, answered
Ready to move money differently?
Open an account, or talk to our team about your volume and use case.
Turn dollars into stablecoins — and back again
A transparent conversion between U.S. dollars and USDT/USDC, with the rate locked before you settle and clear status at every step.
USD to stablecoin
Fund your account
Move USD via ACH, Fedwire or SWIFT from a bank account in your name.
Lock your quote
Review the rate, fees and amount before you commit.
Receive stablecoins
USDT or USDC is delivered to the wallet address you provide.
Stablecoin to USD
Send stablecoins
Send USDT or USDC to Blidata from a wallet you control.
Confirmation
Required network confirmations and compliance checks complete.
Receive USD
Proceeds are sent to your verified bank account.
Four promises on every quote
Itemized breakdown
Every fee is shown before you trade.
Fixed quoted rate
The rate you lock is the rate you get.
Costs separated
Spread and fees are never bundled to hide cost.
No silent settlement
If a quote changes, you reconfirm first.
What you can move
| Category | Details |
|---|---|
| Stablecoins | USDT and USDC |
| Networks | TRC-20, ERC-20 and other major networks; available options are shown at quote time |
| Fiat rails | ACH, Fedwire and SWIFT |
| Settlement | Typically under one business day, subject to rail and on-chain confirmation |
Ready to convert?
Tell us your volume and we will walk you through onboarding.
A USD account built for a stablecoin world
Receive and send U.S. dollars, reconcile payments automatically, and convert to USDT or USDC only when you need to.
Everything a dollar account should do
Receive USD
Accept incoming dollar payments to a named virtual account.
Send USD
Make outgoing payments to verified bank accounts and counterparties.
Auto-reconciliation
Incoming payments are matched so balances stay clear.
Hold balances
Keep dollars on the balance sheet without holding stablecoins.
Convert on demand
Move between USD and USDT/USDC with a locked quote.
API access
Initiate and track payments programmatically.
Three steps to a virtual account
Open and verify
Businesses complete KYB; individuals complete KYC.
Get account details
Receive a virtual USD account for incoming payments.
Move, hold or convert
Send and hold dollars, or convert to stablecoins when needed.
Where virtual accounts fit
Businesses
Collect proceeds and pay suppliers in USD with clear records and approvals.
Platforms
Route customer funding and payouts through dedicated named accounts.
Individuals
Keep dollars stable and convert only when you decide.
Open your virtual account
Our team will confirm the documents needed for your entity type.
A risk-based program, documented end to end
Onboarding, monitoring, sanctions screening and periodic review — applied consistently to fiat and on-chain activity.
Registered with FinCEN
Blidata is registered with the Financial Crimes Enforcement Network (FinCEN) as a Money Services Business. We do not claim licenses or registrations we do not hold.
Four pillars of the program
Customer identification
Risk-based KYC and KYB before settlement.
Transaction monitoring
Screening across fiat and on-chain rails.
Sanctions screening
OFAC and applicable lists on parties and addresses.
Governance & review
Board oversight, a named officer and testing.
The standards we map to
Bank Secrecy Act
Core U.S. AML obligations and reporting.
FinCEN 31 CFR
AML program, recordkeeping and MSB rules.
USA PATRIOT Act
Customer identification and due diligence.
OFAC sanctions
SDN and comprehensive-sanctions screening.
FFIEC / FATF
Examination guidance and risk-based standards.
How customers are graded
Five factors are each scored 0, 10 or 20. The total — 0 to 100 — sets the due-diligence level.
| Level | Score | Due diligence | Review | Monitoring |
|---|---|---|---|---|
| Low | 0–30 | Simplified CDD, verified identity | Every 36 months | Standard screening |
| Medium | 31–70 | Standard CDD, purpose and source checks | Every 24 months | Ongoing review |
| High | 71–100 | Enhanced due diligence, senior sign-off | Every 12 months | Heightened monitoring |
Worked example — score of 40
| Risk factor | Score |
|---|---|
| Customer type and profile | 10 |
| Product or service used | 10 |
| Geographic exposure | 10 |
| Expected transaction pattern | 10 |
| Funding / delivery channel | 0 |
| Total | 40 — Medium |
Enhanced due diligence triggers
- Score of 71 or above
- Politically exposed persons
- High-risk geography or non-residence
- Unusual or complex patterns
- Cash-intensive or high-value business
EDD requires source of wealth, source of funds, stated purpose, additional identity evidence and senior approval.
Clear lines of responsibility
The board oversees the program, a designated compliance officer — a natural person — runs it day to day, and controls are tested and updated as rules change.
Board oversight
Approves the program, risk appetite and resourcing.
Compliance officer
A named individual accountable for implementation.
Testing & update
Periodic review against current laws and findings.
Questions about our controls?
We can walk compliance or risk teams through the program in detail.
Prohibited and restricted jurisdictions
Blidata does not provide on/off-ramp or virtual-account services where sanctions law prohibits it, and applies enhanced checks to higher-risk jurisdictions.
No services, at any time
Jurisdictions and regions under comprehensive sanctions:
- Cuba
- Iran
- North Korea
- Syria
- Crimea and the so-called DNR / LNR regions
Case-by-case only
Jurisdictions subject to partial sanctions, FATF higher-risk listing, or elevated risk are accepted only after:
- Enhanced due diligence
- Source of wealth and funds review
- Senior compliance sign-off
- Heightened ongoing monitoring
Business types we do not serve
Regardless of location, certain activity is never accepted, including the categories below.
Sanctions evasion
Any attempt to conceal parties, origin or destination.
Mixing & tumblers
Services designed to obscure the trail of funds.
Darknet markets
Trading tied to illicit online marketplaces.
Scams & Ponzi schemes
Fraudulent or deceptive investment models.
Stolen funds
Proceeds linked to theft, hacks or ransom.
Unlicensed transmission
Money transmission operated without required licenses.
How this list is maintained
Promptly after OFAC, FATF or other applicable list changes.
Reviewed periodically even without list changes.
Each update records the owner, date and reason.
Not sure if your region is supported?
Tell us where you operate and we will confirm before onboarding.
Privacy Policy
What information we collect, why we collect it, and the choices you have.
1. Who is responsible for your data
Blidata is the data controller for information collected through our on/off-ramp and virtual-account services.
2. Information we collect
- Identity and contact details — full name, date of birth, nationality, address, email and phone.
- Verification details — government ID or passport number, and the documents or images used for KYC/KYB.
- Business information — entity details, beneficial owners (including those holding 25% or more), directors and officers.
- Transaction information — fiat and stablecoin amounts, wallet addresses, banks, counterparties and payment references.
- Technical information — device, IP address and logs needed to operate and secure the service.
3. How we use it
To open and service accounts, process conversions and payments, verify identity, monitor transactions, screen for sanctions and other financial crime, keep required records, respond to authorities, and protect the platform from fraud and misuse.
4. Legal bases
We rely on the performance of our contract with you, our legal obligations under AML and sanctions law, our legitimate interests in preventing crime and securing the service, and — where appropriate — consent.
5. Who we share it with
We share information with banks and payment providers, KYC/KYT and identity-verification platforms, on-chain analytics providers, custody providers, professional advisers, and competent authorities where required by law. These providers act under their own obligations and contracts; we do not sell your personal information.
6. International transfers
Information may be processed in countries other than your own, including where providers or networks operate. We use appropriate safeguards and only transfer information where permitted.
7. How long we keep it
We retain information for as long as your account is active and afterward for the periods required by applicable law — many AML-related records must be kept for at least five years — and as needed for legal claims.
8. Your rights
Subject to the law, you may request access to, correction of, or deletion of your information, object to or restrict certain processing, and request data portability. Some rights may be limited by our legal obligations to retain records and verify identity.
9. Cookies and similar technologies
We use essential cookies and limited functional or analytics technologies to operate the site. Where consent is required, it is requested before non-essential technologies are set.
10. How we protect it
We use administrative, technical and physical safeguards, including access controls, encryption in transit and restricted access to personal and verification data.
11. Changes
We may update this policy and will make the current version available here, with the effective date revised when material changes occur.
Terms & Conditions
The terms that govern on/off-ramp conversions and virtual USD accounts.
1. Definitions
"Blidata", "we" and "us" mean BLIDATA INC. "Services" mean our stablecoin on/off-ramp and virtual USD accounts. "Stablecoins" means the supported digital assets, currently USDT and USDC. "You" means the account holder.
2. Eligibility and account
You must be able to form a binding contract and act for yourself or your entity. You may use the Services only where lawful and only in supported jurisdictions.
3. Verification and accuracy
We are required to verify identity and, for businesses, beneficial ownership and control. You agree to provide accurate, current information and to update it when it changes. We may pause activity until verification is complete.
4. On/off-ramp services
On-ramp converts USD to stablecoins delivered to a wallet you specify. Off-ramp converts stablecoins you send us to USD paid to a verified bank account. We act as the counterparty to the conversion.
5. Quotes, fees and pricing
Each conversion is based on a quote showing the rate, fees and amounts. A quote is valid only for the period stated and must be accepted before it expires. Fees and any spread are shown separately before settlement.
6. Virtual accounts
A virtual USD account allows you to receive, hold and send dollars and, where available, convert to or from stablecoins. Account details are for legitimate payments connected with your use of the Services.
7. Settlement and processing times
Settlement depends on banks, payment rails and on-chain confirmations. Times shown are estimates and not guarantees. We are not responsible for delays caused by banks, networks, incomplete information or compliance review.
8. Supported assets and networks
We may add, suspend or remove stablecoins or networks. You must send the correct asset on the correct network; assets sent incorrectly or on unsupported networks may be unrecoverable.
9. Prohibited use and jurisdictions
You may not use the Services for prohibited jurisdictions, sanctions evasion, fraud, mixing/tumbler services, darknet activity, stolen funds, or any unlawful purpose, as further described on the prohibited jurisdictions page.
10. AML and sanctions compliance
We screen parties, transactions and addresses and may decline, hold, report or reverse activity required by law. Blidata is registered with FinCEN as a Money Services Business.
11. Risk disclosures
Stablecoins are not bank deposits, may not be insured, and carry issuer, network and market risks, including the risk that a stablecoin may lose its peg. Blockchain transactions are generally irreversible. You use stablecoins at your own risk.
12. Suspension and termination
We may suspend or close an account for suspected unlawful activity, sanctions exposure, unverifiable information, material breach, or as required by law or our banking providers. You may close your account by contacting us.
13. Limitation of liability
To the maximum extent permitted by law, we are not liable for indirect or consequential losses, loss of profits, or losses from banks, networks, stablecoin issuers or events beyond our reasonable control. Our liability for any claim is limited to the fees paid for the relevant transaction or, where permitted, the amount of that transaction.
14. Indemnification
You agree to indemnify Blidata for losses arising from your breach of these Terms, your unlawful use of the Services, or inaccurate information you provide.
15. Governing law and disputes
These Terms are governed by the laws of the State of Colorado, without regard to conflict-of-law rules. Disputes will be brought in the state or federal courts located in El Paso County, Colorado (U.S. District Court for the District of Colorado), and you consent to their jurisdiction.
16. Changes
We may update these Terms; continued use after the effective date constitutes acceptance of the updated Terms.
Talk to the Blidata team
Tell us what you are building and your expected volume, and we will confirm the documents needed for onboarding.
Reach us
Request onboarding
Fields marked for real data; this form is a front-end demonstration.
Documents we will ask for
For businesses
- Certified Articles / certificate of incorporation
- Bylaws and board/shareholder resolutions
- Registers of directors, officers and shareholders
- Beneficial owners (25%+) and controlling persons
- Company bank statements or financials
- ID for directors and authorized signers
- Business description and source of funds
For individuals
- Clear, color scan of passport or government ID
- Proof of residential address
- Personal CV or background summary
- Source of wealth and funds
- Personal bank statements (3–6 months)
- A bank account or wallet in your own name
Real documents are always required. We do not create or accept fabricated statements, IDs or proofs.