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Bank Payouts

For NGN_PAYOUT, resolve the bank account before creating the offramp:
  1. List supported banks with GET /v1/banks.
  2. Resolve the account with POST /v1/banks/resolve.
  3. Send the verified account_number and bank_code in destination_bank.
Daya resolves and stores the account name. You do not send account_name in the funding account request.
Invalid bank accounts are rejected. Always resolve the bank account before creating an offramp with NGN_PAYOUT.

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Settlement

Choose where the crypto value goes after Daya receives the deposit. Temporary offramps support NGN_PAYOUT only. Permanent USDC and USDT offramps also support INTERNAL_BALANCE and CUSTOMER_NGN_BALANCE.

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Developer Fees

To keep a percentage of each offramp deposit, send developer_fee.percentage when creating the funding account. Use a decimal string from 0 to 50. Deposit responses and deposit webhooks show the developer fee and the customer amount separately from Daya fees. For offramps, the developer fee is deducted before the final customer amount is calculated. The deposit response and webhook show the exact fee in developer_fee and the amount left for the customer in customer_amount. developer_fee.percentage is a percentage value, not basis points. For example, 0.5 means 0.5%, 2 means 2%, and 50 means 50%.

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Supported Chains

Offramps support APTOS, BASE, BSC, CELO, ETHEREUM, POLYGON, SOLANA, SUI, TEMPO, and TRON. Sui supports USDC deposits only. Tempo supports USDT deposits only when enabled in production. See Supported Chains and GET /v1/supported-chains for the authoritative live deposit and withdrawal matrix per environment.

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Track Deposits

Use /v1/deposits to reconcile money received through offramps. Deposit responses include funding_account_id, asset, chain, and tx_hash. For funding-account offramps with NGN_PAYOUT, NGN payout delivery happens in the background as part of deposit settlement. Track the customer-facing state from the deposit status, settlement_status, and deposit.* webhooks. Show states such as Deposit received, Settlement processing, Settlement settled, Settlement failed, or Requires review. Do not wait for a separate transfer or payout webhook for this flow. Listen for:

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Next Steps

Create Funding Account

Create an offramp with a crypto address.

Banks

Resolve a bank account before NGN payout.

Deposits

Reconcile crypto deposits.