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Envoy pays your clients’ suppliers abroad, on their behalf.

For fintechs and trading companies that pay for their importer clients. Envoy checks the invoice, prepares the documents the bank will ask for and proposes the route; our compliance team approves every payment.

Request early accessHow to use it
Envoy review · payment #2041Sample
  • Payer matches the invoiceImportadora del Norte, S.A. de C.V.
  • Supplier and account in its nameShenzhen Ruida Electronics Co. · CNY
  • Invoice amount and currencyCNY 412,500.00 · INV-88213
  • Packing list missingRequested from your client

Proposed route: SWIFT to China, with an MT103 confirmation. Waiting for compliance approval.

How it works

From invoice to proof of payment, in five steps.

Envoy does the checking and the paperwork; a compliance officer approves every payment before money leaves.

Register the supplierSupplier name, country, bank and account, once.You
Send the payment with its invoiceThe amount, the client who pays and the invoice; the packing list or contract if you have them.You
Envoy checksThat the payer matches the invoice, the supplier, amount, currency and bank details. It flags differences and missing documents, and proposes the route.Envoy
Compliance approvesOur team reviews Envoy’s findings next to the invoice and approves, asks for more or declines.Blockens team
We pay and send the proofThe payment goes out in your client’s name and you get the proof: the MT103 for SWIFT payments.Blockens

Where we pay

Suppliers in Asia and the rest of the world.

Your client pays in pesos or stablecoins; the supplier receives its own currency, in its own account.

AsiaChina and Hong Kong

SWIFT payments to suppliers, with the MT103 they need to release goods.

CNYHKDUSDMT103
Rest of the worldUnited States, Europe and more

Payments to suppliers’ bank accounts, from pesos or stablecoins.

USDSWIFTACH
Who it is forFintechs and trading companies

That pay suppliers on behalf of their importer clients, and groups paying between their companies.

ImportersRecurring paymentsWithin a group

Privacy and compliance

Your documents stay at Blockens.

Envoy runs on local AI on Blockens’ own servers. Your clients’ invoices, names and bank details are not sent to outside AI providers.

Built withQVACa Tether companyTether’s local, open-source AI, with no third-party APIs or clouds

Privacy

  • Local AI with QVAC. The models run on Blockens’ servers; no document goes through an outside AI API.
  • Encrypted data. Names, tax IDs and accounts are stored encrypted; only the authorized team can see them.
  • Only what is needed. The receiving bank gets only what it asks for that payment.
  • Your clients stay yours. We use their data only to check and make their payments.

Compliance

  • Always an invoice. Envoy checks payer, supplier, amount and currency against the invoice.
  • Sanctions lists. Every supplier is checked against the sanctions lists before its first payment.
  • A person approves. Envoy prepares; our compliance team approves, asks for more or declines every payment.
  • A complete file. Every check, document, approval and proof is on record, with who and when.
  • Files on request. We can ask you for a client’s KYC file at any time, and it is linked to the payment.
  • Registered transmitter. Blockens is a money transmitter registered with the CNBV (Mexico) and a vulnerable activity registered with the SAT.

How to use it

By API, in your dashboard or with a photo.

To start, your company completes onboarding with Blockens. If you pay on behalf of your clients, you do their KYC and we can ask you for their file at any time.

By API

For fintechs that build payments into their product.

  1. Register each supplier as a beneficiary.
  2. Send the payment with the invoice and the client who pays.
  3. Get webhooks at every step: review, approval, payment and proof.
POST /v1/beneficiaries
{ "kind": "company", "name": "Shenzhen Ruida Electronics Co.", … }

webhook beneficiary.approved
The easiest

In your Blockens dashboard

For your operations team: no integration, from a browser or a phone.

  1. Upload the invoice: a PDF or a photo.
  2. Envoy fills in the payment for you: supplier, amount, currency and bank. You check and send.
  3. Follow every payment and download its proof.
  • Saved suppliers to pay again in one click
  • Clear notes on what is missing and why
  • The cost of the payment before you send it
  • Live status and a downloadable MT103
  • Your team with its own users and approvals

By Telegram or email

Take a photo of the invoice and send it. That’s it.

  1. Send it to @BlockensBot or envoy@blockens.tech.
  2. Envoy fills in the payment in your profile and replies with the summary and anything missing.
  3. Confirm with one tap; we update you in the same chat until the proof arrives.
  • Only from your company’s registered senders
  • A photo never pays by itself: you confirm and compliance approves
  • An alert if a supplier’s account changes

Rules for every payment

Clear from the start.

Always an invoiceEvery payment matches a supplier invoice.
The payer matchesThe paying client’s name is the one on the invoice.
The supplier’s accountWe pay only accounts in the supplier’s name.
From 5,000 USDPer payment, or the equivalent.

FAQ

The basics.

What does paying on behalf of others mean?

Your company asks Blockens to pay the supplier of one of your clients. The supplier’s bank sees your client as the payer, so the invoice and the payment match.

Who is Blockens’ client?

Your company. You know your clients and do their KYC; Blockens checks every payment and can ask you for a client’s file at any time.

What is an MT103?

The proof of a SWIFT payment. Many suppliers in China ask for it before releasing goods; we send it to you as soon as the bank issues it.

What if a document is missing?

Envoy tells you which one and why the bank will ask for it. The payment waits until you send it.

Are my documents shared with anyone?

Envoy checks them on Blockens’ servers. The receiving bank gets only what it asks for that payment.

How much does it cost?

It depends on volume and routes. You see the cost of each payment before approving it.

Pay your clients’ suppliers with Envoy.

Early access is opening to fintechs and trading companies.

Request early accessTelegram · @BlockensBot