> ## Documentation Index
> Fetch the complete documentation index at: https://docs.daya.co/llms.txt
> Use this file to discover all available pages before exploring further.

# Daya API

> Move money between NGN and stablecoins — accept local bank transfers, receive crypto deposits, and send transfers through a single API.

## 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

<Card title="Quick Start" icon="rocket" href="/quickstart">
  Create your first onramp or offramp in minutes
</Card>

## How it Works

<Tabs>
  <Tab title="NGN → Crypto (Onramp)">
    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
  </Tab>

  <Tab title="Crypto → NGN (Offramp)">
    1. **Create an offramp** — Generate a crypto funding account with `POST /v1/funding-accounts`, including `asset` and `chain`
    2. **Customer deposits crypto** — Your customer sends the selected USDC/USDT asset to the address
    3. **Daya settles** — Funds are credited to your balance or paid out as NGN
    4. **Get notified** — Receive webhook events as the deposit settles
  </Tab>
</Tabs>

## Key Features

<CardGroup cols={2}>
  <Card title="NGN Virtual Accounts" icon="building-columns">
    Give customers Nigerian bank account details so they can send NGN into Daya.
  </Card>

  <Card title="USD Virtual Accounts" icon="dollar-sign">
    Create USD bank accounts for tier-2-verified customers to receive dollar deposits.
  </Card>

  <Card title="Crypto Deposit Addresses" icon="wallet">
    Give customers USDC/USDT addresses so they can send crypto into Daya.
  </Card>

  <Card title="Bank Transfers" icon="paper-plane">
    Send NGN, USD (ACH/wire), and SWIFT transfers to saved or inline recipients.
  </Card>

  <Card title="Guaranteed FX Rates" icon="lock">
    Lock in exchange rates with buy/sell sides and defined validity windows.
  </Card>

  <Card title="Flexible Settlement" icon="arrows-rotate">
    Settle on-chain, to your Daya balance, or as NGN to a bank account per funding account.
  </Card>

  <Card title="Dual Merchant Balance" icon="scale-balanced">
    Separate collection and withdrawal balances with balance transfer and merchant funding.
  </Card>

  <Card title="Real-time Webhooks" icon="bell">
    Receive events for funding accounts, deposits, withdrawals, transfers, USD virtual accounts, and customer verification.
  </Card>

  <Card title="Full Sandbox Environment" icon="flask">
    Test end-to-end with simulated deposits and testnet assets — same API surface as production.
  </Card>
</CardGroup>

## Settlement Options

<CardGroup cols={3}>
  <Card title="On-chain" icon="link">
    Settle USDC/USDT directly to a blockchain address on supported chains.
  </Card>

  <Card title="Internal Balance" icon="vault">
    Credit your Daya USD balance for aggregation and later withdrawal.
  </Card>

  <Card title="NGN Payout" icon="money-bill-transfer">
    Convert crypto deposits to NGN and pay out to a Nigerian bank account.
  </Card>
</CardGroup>

## Environments

<Tabs>
  <Tab title="Sandbox">
    **Base URL:** `https://api.sandbox.daya.co`

    Test environment with simulated deposits and testnet assets.

    * Separate API keys from production
    * No real money movement
    * Full feature parity with production
  </Tab>

  <Tab title="Production">
    **Base URL:** `https://api.daya.co`

    Live environment with real NGN deposits and mainnet stablecoins.

    * Production API keys required
    * Real money movement
    * Full audit trail
  </Tab>
</Tabs>

## Next Steps

<CardGroup cols={2}>
  <Card title="Quick Start" icon="rocket" href="/quickstart">
    Create your first onramp or offramp in minutes
  </Card>

  <Card title="Authentication" icon="key" href="/authentication">
    Learn how to authenticate your API requests
  </Card>

  <Card title="Funding Accounts" icon="landmark" href="/concepts/funding-accounts">
    Create onramps and offramps
  </Card>

  <Card title="Onramps" icon="building-columns" href="/concepts/onramps">
    Collect NGN from customers
  </Card>

  <Card title="Offramps" icon="wallet" href="/concepts/offramps">
    Collect stablecoins from customers
  </Card>

  <Card title="Core Concepts" icon="book" href="/concepts/overview">
    Understand funding accounts, onramps, offramps, deposits, and rates
  </Card>

  <Card title="Webhooks" icon="bell" href="/api-reference/webhooks/overview">
    Set up real-time event notifications
  </Card>

  <Card title="Supported Chains" icon="server" href="/concepts/supported-chains">
    View supported blockchain networks and tokens
  </Card>

  <Card title="API Reference" icon="code" href="/api-reference/rates/get-rates">
    Explore all API endpoints
  </Card>
</CardGroup>

## Support

Need help? Reach out to us at [support@daya.co](mailto:support@daya.co).