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What is the Daya API?

The Daya API lets merchants move customers between Nigerian Naira (NGN) and stablecoins (USDC/USDT), usually in under one minute:
  • Onramps — Collect Naira (NGN) from customers and send them stablecoins
  • Offramps — Collect stablecoins from customers and send them Naira (NGN)
Beyond conversion, the API gives you a full money-movement toolkit:
  • USD Virtual Accounts — Provision USD bank accounts for your customers to receive dollar deposits
  • USD Payouts — Send USD to your customers by ACH, wire, or RTP

Quick Start

Create your first onramp or offramp 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 an NGN funding account with POST /v1/funding-accounts
  3. Customer pays — Your customer sends Naira to the account details
  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

Give customers Nigerian bank account details so they can send NGN into Daya.

USD Virtual Accounts

Create USD bank accounts for tier-2-verified customers to receive dollar deposits.

Crypto Deposit Addresses

Give customers USDC/USDT addresses so they can send crypto into Daya.

Bank Transfers

Send NGN, USD (ACH/wire), and SWIFT transfers to saved or inline recipients.

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 funding account.

Dual Merchant Balance

Separate collection and withdrawal balances with balance transfer and merchant funding.

Real-time Webhooks

Receive events for funding accounts, deposits, withdrawals, transfers, USD virtual accounts, and customer verification.

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 or offramp in minutes

Authentication

Learn how to authenticate your API requests

Funding Accounts

Create onramps and offramps

Onramps

Collect NGN from customers

Offramps

Collect stablecoins from customers

Core Concepts

Understand funding accounts, onramps, offramps, deposits, 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.