Partner overview

BlockFinaX lets you offer currency protection inside your own product. Your customers protect their foreign-currency payments and receipts without leaving your app; underwriters on the protocol provide the cover; BlockFinaX prices, collateralises and settles it. You set your own fee on every contract.

What you can build

• Protection at the point of payment: "protect this payment" when a customer schedules a foreign-currency payment.
• Protection on invoices: offer cover automatically on every foreign-currency invoice or receivable you hold.
• Exposure dashboards: show customers their currency exposure and let them protect it in one click.
• Programmatic underwriting: run pools, prices and capital from your own systems.

See Who it is for and Use cases.

How money flows

Example: your customer protects 10,000 dollars for 30 days. The premium is 201.25 USDC and you charge a 3% fee.

1At purchase

Your customer

210.31 USDC

Premium, BlockFinaX fee and your fee, paid once

Underwriters

The premium less the 2% liquidity fee, credited to the underwriters who back this contract at once

197.23

You

Your fee (3% of the premium), paid to your fee address in the same transaction

6.04

BlockFinaX

The 1.5% BlockFinaX fee (3.02) and the liquidity fee (4.02)

7.04

Locked as collateral

The maximum payout, set aside from the underwriters' own capital until expiry

1,052.63

2At expiry (rate settles at 1,420, above the 1,360 strike)

Collateral

1,052.63 USDC

The underwriters' capital locked at purchase

Your customer

The payout, less the 2% payout fee

442.11

BlockFinaX

The 2% payout fee

9.02

Underwriters

The unused collateral, returned to their free balance

601.50

If the rate does not pass the strike, nothing is paid out and the full 1,052.63 returns to the underwriters.

Partner fees arrive with the partner launch; see Partner fees and Worked examples.

Two ways to handle wallets

	BlockFinaX wallets	Your own wallets
Who holds customer funds	Each customer, in a BlockFinaX passkey wallet	You, or your customer, in accounts you control
Who signs	The customer, with a passkey	You
Network fees	Covered through the relay	Covered when relayed, or paid by you
Best for	Apps that want a ready, non-custodial wallet	Custodial apps, banks, institutions

See Integration options.

How it is built

Your product

Your app or server, and your customers

Your screensCustomer sign-in or your own keysPasskey signing in the browser

BlockFinaX API

Prices, prepares and relays. Never holds keys.

Quotes and pricing engineTransaction builderFee relayers (Stellar, Base paymasters)Deposit addresses and Circle transfersPositions and settlement status

Stellar contracts

Hold the capital and enforce every rule

Currency poolPool oracleUSDCCustomer smart wallets

Outside services

Data, transfers and fee sponsorship

Circle CCTPFX market dataCoinbase and Pimlico paymastersBase funding network

See Architecture overview and Contracts.

Start here

1. Integration options
2. Environment setup and Authentication
3. Request a quote, then Create protection

Units at a glance

Value	In the API	In the contract
USDC amounts	Decimal strings, for example "10000"	i128 in 7-decimal units (100000000000 = 10,000 USDC)
Rates (spot, strike, cap for the limit)	Decimal strings, for example "1332.819531"	u64 with 6 decimals (1332819531)
Premium and fee rates	Integers per million (fairRateE6: 23851 = 2.3851%)	u32 per million
Markups and distances	Basis points (11500 = 115%)	u32 basis points
Times	Unix seconds	Unix seconds (u64)