{"id":"bridge","title":"Bridge","content":"**Bridge** is a payments infrastructure platform built on stablecoins that provides API-based products for businesses to manage global money movement. The platform enables companies to receive, store, convert, issue, and spend [stablecoins](https://iq.wiki/wiki/stablecoin), while handling the underlying regulatory, compliance, and technical complexities associated with these transactions. [\\[1\\]](#cite-id-GrfhqkQrUL) [\\[2\\]](#cite-id-dmi39VxPRQ)​\n\n## Overview\n\nBridge is a financial technology platform that provides infrastructure for moving, managing, and issuing digital and traditional money across global systems. It offers APIs for [fiat](https://iq.wiki/wiki/fiat-money) and [stablecoin](https://iq.wiki/wiki/stablecoin) transfers, recurring payment templates, virtual and prefunded accounts, [liquidation](https://iq.wiki/wiki/liquidation) addresses for automated [crypto](https://iq.wiki/wiki/cryptocurrency) conversion, and custodial wallets that meet compliance requirements. The platform also enables the issuance of both a standard [stablecoin](https://iq.wiki/wiki/stablecoin) (USDB) and customizable tokens backed 1:1 by U.S. dollars, with rewards tied to reserves. Additional services include Visa card issuing integrated with wallet and orchestration tools, plus onboarding and verification systems that handle [KYC](https://iq.wiki/wiki/know-your-customer-kyc) and KYB approvals for users and businesses. [\\[2\\]](#cite-id-dmi39VxPRQ) [\\[3\\]](#cite-id-Br0MiutPnE)​\n\n## Features\n\n### Orchestration\n\nBridge’s **orchestration** tools serve as the backbone for transferring funds across both [fiat](https://iq.wiki/wiki/fiat-money) and [stablecoin](https://iq.wiki/wiki/stablecoin) systems. The APIs enable one-time transfers, recurring payments, and [fiat](https://iq.wiki/wiki/fiat-money)-to-[crypto](https://iq.wiki/wiki/cryptocurrency) and [crypto](https://iq.wiki/wiki/cryptocurrency)-to-[crypto](https://iq.wiki/wiki/cryptocurrency) conversions, supporting on-ramps, off-ramps, and [crypto](https://iq.wiki/wiki/cryptocurrency)-to-[crypto](https://iq.wiki/wiki/cryptocurrency) flows. Transfers can originate from customer deposits, Bridge-managed wallets, or prefunded accounts, giving teams flexibility in how funds move through their systems.\n\nThe platform also offers virtual accounts, which provide customers with unique bank-like deposit details for receiving [fiat](https://iq.wiki/wiki/fiat-money) payments that are automatically reconciled. Static template transfers let companies automate recurring deposits using persistent instructions. At the same time, prefunded accounts hold preloaded balances to enable instant payouts without waiting for deposit settlement, which is useful for scenarios such as payroll or bulk disbursements. [Liquidation](https://iq.wiki/wiki/liquidation) links [blockchain](https://iq.wiki/wiki/blockchain) addresses to [fiat](https://iq.wiki/wiki/fiat-money) or [crypto](https://iq.wiki/wiki/cryptocurrency) destinations, automatically routing or converting incoming funds, enabling streamlined, automated money management across multiple rails. [\\[3\\]](#cite-id-Br0MiutPnE)​\n\nThe Orchestration suite includes several specific products: [\\[4\\]](#cite-id-HQT2OLhbRk)​\n\n* **Transfers:** Enables one-time or on-demand transfers between [fiat](https://iq.wiki/wiki/fiat-money) and [stablecoins](https://iq.wiki/wiki/stablecoin) for creating programmatic on-ramps (e.g., USD to [USDC](https://iq.wiki/wiki/usdc)) and off-ramps (e.g., BTC to USD).\n* **Static Template Transfers:** Provides reusable and persistent deposit instructions for customers to make recurring payments.\n* **Virtual Accounts:** Allows businesses to issue unique [fiat](https://iq.wiki/wiki/fiat-money) deposit accounts to their customers in currencies like USD, EUR, and MXN, complete with local bank details.\n* **Prefunded Accounts:** A feature that allows businesses to preload funds into a Bridge-managed balance to facilitate instant [fiat](https://iq.wiki/wiki/fiat-money) off-ramps for time-sensitive applications like payroll.\n* **Liquidation Address:** A [blockchain](https://iq.wiki/wiki/blockchain) address linked to a specific [fiat](https://iq.wiki/wiki/fiat-money) or [crypto](https://iq.wiki/wiki/cryptocurrency) destination, where any funds sent are automatically converted and forwarded.\n\n### Wallets\n\nBridge provides a Custodial Wallets API that enables companies to create and manage digital asset wallets at scale for their end-users or for their own corporate treasury. The platform is designed to manage the technical complexities of wallet infrastructure, including on-chain security and gas management. \n\nKey capabilities of the Wallets API include wallet creation, fund transfers via the Orchestration API, instant internal transfers between Bridge-hosted wallets, balance inquiries, and the assignment of custom labels and policies to wallets. All fund transfers must be executed through the Orchestration APIs to ensure security and compliance; sending funds directly to a custodial wallet address is not supported and may result in a loss of funds. All wallet fund flows must be reviewed and approved by Bridge's legal and compliance team before use in a production environment. [\\[5\\]](#cite-id-ZdV7LVX0I6)​\n\n### Cards\n\nBridge’s **card-issuing** platform enables the issuance of Visa cards to customers globally through a single integration. Cards can be linked to custodial or non-custodial wallets, allowing users to spend stablecoin balances virtually, physically, or via mobile wallets wherever Visa is accepted. The system supports multi-market deployment, letting organizations launch a card program across multiple regions without separate integrations. When combined with Bridge’s orchestration and wallet APIs, it enables seamless management of sending, receiving, storing, and spending [stablecoins](https://iq.wiki/wiki/stablecoin), while providing the potential to earn revenue from card transaction fees. [\\[6\\]](#cite-id-PNkiw2ovrd)​\n\n### Issuance\n\nBridge’s **Open Issuance** platform enables the creation and management of [stablecoins](https://iq.wiki/wiki/stablecoin), either through custom tokens or Bridge’s standard [stablecoin](https://iq.wiki/wiki/stablecoin), USDB. All Bridge-issued [stablecoins](https://iq.wiki/wiki/stablecoin) are fully backed 1:1 by U.S. dollars and can be exchanged with [fiat](https://iq.wiki/wiki/fiat-money) or other [stablecoins](https://iq.wiki/wiki/stablecoin) using Bridge’s orchestration APIs, including transfers, virtual accounts, and liquidation addresses.\n\nFunds held in Bridge [stablecoins](https://iq.wiki/wiki/stablecoin) earn monthly rewards, with reserves managed in segregated bank and custody accounts. Custom stablecoins allow developers to define token branding, reserve strategies, and [smart contracts](https://iq.wiki/wiki/smart-contract) while remaining interoperable with other tokens on the Open Issuance network. USDB offers a preconfigured option for straightforward use and reward accrual. [Blockchain](https://iq.wiki/wiki/blockchain) support currently includes [EVM](https://iq.wiki/wiki/ethereum-virtual-machine-evm)-compatible chains and [Solana](https://iq.wiki/wiki/solana), with eligibility restricted to [KYC](https://iq.wiki/wiki/know-your-customer-kyc)-verified customers and excluding EEA residents [\\[1\\]](#cite-id-GrfhqkQrUL) [\\[7\\]](#cite-id-tygDg4yYeQ)​\n\nBridge offers two stablecoin models:\n\n* **USDB:** a [stablecoin](https://iq.wiki/wiki/stablecoin) issued and operated entirely by Bridge, with reserves, liquidity, and branding fully managed by the platform. It uses a single [smart contract](https://iq.wiki/wiki/smart-contract) design and supports a closed-loop system, relying on off-chain reserves for backing.\n* **Custom Stablecoin:** allows organizations to configure aspects such as reserve structure, liquidity management, branding, and whether the system operates in an open or closed loop. Each token is deployed through its own [smart contract](https://iq.wiki/wiki/smart-contract) and may use a combination of on-chain and off-chain reserves, giving issuers flexibility over how the asset is supported and distributed. [\\[7\\]](#cite-id-tygDg4yYeQ)\n\n### Customers\n\nBridge’s **Customers API** provides a framework for registering and verifying users, enabling compliant movement of fiat and stablecoins between wallets or bank accounts. Bridge manages all [KYC (Know Your Customer)](https://iq.wiki/wiki/know-your-customer-kyc) and KYB (Know Your Business) verification, ensuring users meet applicable regulatory requirements. Customers are registered through the Customers API or [KYC](https://iq.wiki/wiki/know-your-customer-kyc) Links API, requiring basic identity and business information such as name, email, and government-issued identifiers. The platform can also verify eligibility for specific services or payment rails using endorsements. In cases where full verification isn’t immediately required, users can accept Bridge’s Terms of Service via a separate API, enabling legal onboarding without completing [KYC](https://iq.wiki/wiki/know-your-customer-kyc)/KYB. [\\[8\\]](#cite-id-vwbkxVOAA2)​\n\n## Partnerships\n\n* Stripe\n* Visa\n* Bitso\n* Blackrock and Fidelity\n* Slash\n* Meow\n* Cenoa\n* Dakota\n* AirTM\n* Shopify\n* Bitso\n* Remitly\n* Tazapay\n* Wirex\n* DolarApp","summary":"Bridge is a payments infrastructure platform built on stablecoins. 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