The Blade Payments Engine, The BPE is payments hub built to process mass payouts from multiple clients and multiple funding sources to multiple payout options across varied 3rd parties, such as ACH networks, debit cards and cryptocurrencies. The API platform is microservices-based and incorporates functional modules comprised of a responsive user interface, user onboarding, card fulfillment, payout program management, authorization processing, messaging, settlement reconciliation, and administration.