US Bank Account Breaking Changes

Published on January 26, 2026.

All US bank accounts created until January 26th, 2026 have been deprecated and will be deleted soon. Please DO NOT use the offramp wallets related to deprecated US bank accounts. All transactions will get stuck and will need to be refunded.

TL;DR

• New mandatory fields for ACH bank accounts
• New mandatory fields for Wire/RTP bank accounts
• New mandatory fields for SWIFT bank accounts
• All deprecated US bank accounts must be recreated

Why are we making these changes?

We are getting compliant with the new US banking partners we're adding to the BlindPay ecosystem. These changes will ensure that all transactions are processed correctly, with BlindPay or the virtual account holder as the debitor and the recipient as the creditor.

New mandatory fields for ACH bank accounts

When creating an ACH bank account, the following fields are now mandatory:

• recipient_relationship
• address_line_1
• address_line_2 (optional)
• city
• state_province_region
• country
• postal_code

New mandatory fields for Wire/RTP bank accounts

When creating a Wire or RTP bank account, the following fields are now mandatory:

• account_class
• recipient_relationship

New fields for SWIFT bank accounts

When creating a SWIFT bank account, the following fields have been added:

• account_class (mandatory)
• recipient_relationship (mandatory)
• swift_payment_code (required only for: PK, PH, KE, JP, IN, ID, CN, CH, BH)

How to get the new field requirements

All new fields and their validation rules can be requested on the available bank details endpoint.

What this means for you

Action required: You will need to recreate all US bank accounts (ACH, Wire, RTP, and SWIFT) with the new mandatory fields.

Benefits: All transactions will be sent correctly, with BlindPay or the virtual account holder as the debitor and the recipient as the creditor. This ensures compliance with US banking regulations and improves transaction reliability.