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What is the Daya API?

The Daya API lets merchants move money between Nigerian Naira (NGN) and stablecoins (USDC/USDT) in both directions:
  • Onramps — Accept NGN bank transfers and convert to stablecoins
  • Offramps — Receive crypto deposits and settle to your balance or pay out as NGN

Quick Start

Create your first onramp in minutes

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How it Works

  1. Get a rate — Fetch a firm FX quote with GET /v1/rates?side=BUY
  2. Create an onramp — Provision a virtual NGN bank account with POST /v1/onramps
  3. Customer pays — Your customer sends Naira to the virtual account
  4. Daya settles — Funds are converted and settled on-chain or to your balance
  5. Get notified — Receive webhook events as the deposit progresses

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Key Features

NGN Virtual Accounts

Provision Nigerian bank accounts to accept local transfers — no local banking setup required.

Crypto Deposit Addresses

Generate USDC/USDT deposit addresses across multiple chains for your customers.

Guaranteed FX Rates

Lock in exchange rates with buy/sell sides and defined validity windows.

Flexible Settlement

Settle on-chain, to your Daya balance, or as NGN to a bank account — per onramp or offramp.

Real-time Webhooks

Receive events for deposits, withdrawals, payouts, and onramp lifecycle changes.

Full Sandbox Environment

Test end-to-end with simulated deposits and testnet assets — same API surface as production.

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Settlement Options

On-chain

Settle USDC/USDT directly to a blockchain address on supported chains.

Internal Balance

Credit your Daya USD balance for aggregation and later withdrawal.

NGN Payout

Convert crypto deposits to NGN and pay out to a Nigerian bank account.

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Environments

Base URL: https://api.sandbox.daya.coTest environment with simulated deposits and testnet assets.
  • Separate API keys from production
  • No real money movement
  • Full feature parity with production

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Next Steps

Quick Start

Create your first onramp in minutes

Authentication

Learn how to authenticate your API requests

Core Concepts

Understand onramps, offramps, deposits, payouts, and rates

Webhooks

Set up real-time event notifications

Supported Chains

View supported blockchain networks and tokens

API Reference

Explore all API endpoints

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Support

Need help? Reach out to us at support@daya.co.