# Daya API Documentation > Merchant-facing documentation for moving money between NGN, USD bank rails, and stablecoins with Daya. Use this file as a compact index for AI coding assistants. Important agent guidance: - Use the linked authored docs and endpoint pages as the source of truth. - Keep Daya Business API and Daya Pro API concepts separate unless a Daya-approved product flow explicitly connects them. - Use sandbox keys and test data while developing. Never paste production keys, secrets, customer PII, or private credentials into AI tools. - For write requests, follow endpoint examples and include the documented idempotency header. Companion machine-readable files: - [Full docs context](/llms-full.txt): expanded Markdown-style content generated from the docs navigation. - [Scenario FAQ](/llms-faq): exhaustive integration scenarios, common mistakes, troubleshooting, and Business/Pro distinctions for agents. ## Daya API ### Getting Started - [Daya API](/): Move money between NGN and stablecoins — accept local bank transfers, receive crypto deposits, and send transfers through a single API. - [Quick Start](/quickstart): Create your first onramp or offramp and track the first deposit - [Authentication](/authentication): Secure your API requests with API keys - [Building with AI](/building-with-ai): Use AI coding assistants like Claude Code, Cursor, Codex, and GitHub Copilot to explore, build, and debug with the Daya API. - [AI Scenario FAQ](/llms-faq): Exhaustive integration scenarios, common mistakes, troubleshooting, and Business/Pro distinctions for AI agents building with Daya. - [Partner Integration](/partner-integration): Build reliable Daya API integrations with funding accounts, deposits, transfers, webhooks, balances, and go-live checks ### Core Concepts - [Core Concepts](/concepts/overview): Understand the core building blocks of the Daya API - [Funding Accounts](/concepts/funding-accounts): How customers receive funds into Daya - [Onramps](/concepts/onramps): Collect Naira (NGN) from customers and send them stablecoins - [Offramps](/concepts/offramps): Collect stablecoins from customers and send them Naira - [Transfers](/concepts/transfers): How merchant-initiated transfers work for NGN and USD - [USD Virtual Accounts](/concepts/virtual-accounts): USD virtual accounts for tier-2-verified customers - [Merchant Withdrawals](/concepts/withdrawals): How merchant-balance withdrawals are created, tracked, and completed - [Rates & Settlement](/concepts/rates-and-settlement): How exchange rates are applied and how funds are delivered - [Supported Chains](/concepts/supported-chains): Blockchain networks and assets supported by Daya ### Guides - [Limits](/limits/overview): Merchant-facing limits and deposit constraints - [Handling Amount Mismatch](/limits/amount-mismatches): How Daya handles underpayments and overpayments for temporary NGN funding accounts - [Sandbox testing](/limits/sandbox-testing): Test funding accounts, deposits, webhooks, and flagged edge cases in sandbox ### Rates & Chains - [Retrieve rates](/api-reference/rates/get-rates): Get current exchange rates for NGN to USDC/USDT conversions - [List supported chains](/api-reference/supported-chains/list-supported-chains): Return the currently supported settlement chains and their deposit or withdrawal availability ### Customers - [Create Customer](/api-reference/customers/create-customer): Create a new customer under the authenticated merchant - [List Customers](/api-reference/customers/list-customers): List customers for the authenticated merchant - [Get Customer](/api-reference/customers/get-customer): Retrieve a single customer by ID - [Update customer](/api-reference/customers/update-customer): Update an existing customer's details - [Submit Tier 1 verification](/api-reference/customers/submit-tier1-verification): Submit identity verification for a customer - [Submit tier 2 verification](/api-reference/customers/submit-tier2-verification): Submit tier 2 KYC or business KYB verification for a customer ### Funding Accounts - [Create a funding account](/api-reference/funding-accounts/create-funding-account): Create a way for a customer to send NGN or crypto into Daya - [List funding accounts](/api-reference/funding-accounts/list-funding-accounts): List funding accounts with optional filters - [Get a funding account](/api-reference/funding-accounts/get-funding-account): Retrieve a funding account by ID - [Disable a funding account](/api-reference/funding-accounts/disable-funding-account): Disable an active funding account and its active payment details - [Update funding account settlement destination](/api-reference/funding-accounts/update-settlement-destination): Rotate the settlement destination for a permanent active funding account ### Transfers - [Create transfer](/api-reference/transfers/create-transfer): Create a merchant-initiated transfer - [List transfers](/api-reference/transfers/list-transfers): List merchant-initiated transfers - [Get transfer](/api-reference/transfers/get-transfer): Retrieve a single transfer by ID ### Deposits - [List all deposits](/api-reference/deposits/list-deposits): List NGN and crypto deposits with optional filters - [Retrieve a deposit](/api-reference/deposits/get-deposit): Get a specific deposit by ID - [Create a sandbox deposit](/api-reference/sandbox/create-sandbox-deposit): Trigger a mock deposit in sandbox to test the full deposit → settlement/webhook flow ### Recipients - [Create recipient](/api-reference/recipients/create-recipient): Create a saved transfer or settlement destination - [List recipients](/api-reference/recipients/list-recipients): List saved recipients with optional filters - [Get recipient](/api-reference/recipients/get-recipient): Retrieve a single recipient by ID - [Delete recipient](/api-reference/recipients/delete-recipient): Soft-delete a recipient ### Banks - [List supported banks](/api-reference/banks/list-banks): Return the list of supported Nigerian banks - [Resolve bank account](/api-reference/banks/resolve-bank-account): Verify a bank account number and get the account holder's name ### USD Virtual Accounts - [Create USD virtual account](/api-reference/virtual-accounts/create-virtual-account): Create a USD virtual account for a customer - [List USD virtual accounts](/api-reference/virtual-accounts/list-virtual-accounts): List all USD virtual accounts - [Get USD virtual account](/api-reference/virtual-accounts/get-virtual-account): Retrieve a single virtual account by ID - [List customer USD virtual accounts](/api-reference/virtual-accounts/list-customer-virtual-accounts): List USD virtual accounts for a specific customer ### USD Virtual Account Deposits - [List USD virtual account deposits](/api-reference/virtual-account-deposits/list-usd-account-deposits): List payments received into USD virtual accounts - [Get USD virtual account deposit](/api-reference/virtual-account-deposits/get-usd-account-deposit): Retrieve a payment received into a USD virtual account ### Merchant Balance - [Get merchant balance](/api-reference/merchant-balance/get-merchant-balance): Retrieve the current merchant USD collection and withdrawal balances - [Transfer merchant balance](/api-reference/merchant-balance/transfer-merchant-balance): Transfer funds from collection to withdrawal balance - [List balance transfers](/api-reference/merchant-balance/list-balance-transfers): List collection-to-withdrawal balance transfer history - [Withdraw merchant balance](/api-reference/merchant-balance/withdraw-merchant-balance): Send USD from your merchant balance to a supported on-chain destination - [List withdrawals](/api-reference/merchant-balance/list-withdrawals): List withdrawals for the authenticated merchant with optional status filtering and pagination - [Get withdrawal](/api-reference/merchant-balance/get-withdrawal): Retrieve a single merchant balance withdrawal by ID ### Merchant Funding - [Get merchant funding](/api-reference/merchant-funding/get-merchant-funding): Get merchant funding instructions ### Webhooks - [Webhooks Overview](/api-reference/webhooks/overview): Real-time event notifications for money movement lifecycle events - [Webhook Events](/api-reference/webhooks/events): High-level event inventory and webhook payload envelope - [Webhook Verification](/api-reference/webhooks/verification): Verify webhook authenticity using HMAC signatures ### Legacy API / Guides - [Legacy Migration Guide](/legacy/migration-guide): Move older onramp, offramp, payout, and webhook integrations to the current API model - [Legacy Webhooks](/legacy/webhooks): Webhook event names kept temporarily for older integrations ### Legacy API / Onramps - [Legacy: Create an onramp](/api-reference/onramp/create-onramp): Legacy route for creating an NGN receive flow - [Legacy: List onramps](/api-reference/onramp/list-onramps): Legacy route for listing NGN receive flows - [Legacy: Retrieve an onramp](/api-reference/onramp/get-onramp): Legacy route for retrieving an NGN receive flow ### Legacy API / Offramps - [Legacy: Create an offramp](/api-reference/offramps/create-offramp): Legacy route for creating a crypto receive flow - [Legacy: List offramps](/api-reference/offramps/list-offramps): Legacy route for listing crypto receive flows - [Legacy: Get offramp](/api-reference/offramps/get-offramp): Legacy route for retrieving a crypto receive flow ### Legacy API / Payouts - [Legacy: List payouts](/api-reference/payouts/list-payouts): Legacy route for listing settlement payouts - [Legacy: Get payout](/api-reference/payouts/get-payout): Legacy route for retrieving a settlement payout ## Pro ### Getting Started - [Pro Overview](/pro/overview): Programmatic access to Daya's currency trading platform - [Quick Start](/pro/quickstart): Place your first trade with the Pro API - [Authentication](/pro/authentication): Secure your Pro API requests with API keys ### Markets - [List Markets](/pro/api-reference/list-markets): Retrieve all available trading markets - [Get Market](/pro/api-reference/get-market): Retrieve details for a specific trading market - [Get Orderbook](/pro/api-reference/get-orderbook): Retrieve the current orderbook for a trading pair - [Get Last Price](/pro/api-reference/get-last-price): Get the latest trade price and 24h change for a trading pair - [List Market Trades](/pro/api-reference/list-market-trades): List recent trades for a trading pair ### Account - [Get Account](/pro/api-reference/get-account): Get account information for the authenticated user - [Get Balances](/pro/api-reference/get-balances): Retrieve account balances for all currencies - [Get Balance](/pro/api-reference/get-balance): Retrieve account balance for a specific currency ### Orders - [Place Order](/pro/api-reference/place-order): Place a new order on the Pro platform - [Get Order Quote](/pro/api-reference/get-order-quote): Get a price quote for an order without placing it - [List Active Orders](/pro/api-reference/list-orders): List active orders for the authenticated user - [Order History](/pro/api-reference/get-order-history): Get historical orders with filtering and pagination - [Get Order](/pro/api-reference/get-order): Get details of a specific order - [Replace Order](/pro/api-reference/replace-order): Atomically cancel and re-place an open order - [Cancel Order](/pro/api-reference/cancel-order): Cancel an open order ### Trades - [List Trades](/pro/api-reference/list-trades): List trade history for the authenticated user - [Get Trade](/pro/api-reference/get-trade): Get details of a specific trade - [List Order Trades](/pro/api-reference/list-order-trades): List all trades (fills) for a specific order ### Deposits - [List Crypto Deposit Addresses](/pro/api-reference/list-crypto-deposit-addresses): Fetch your account-level crypto deposit addresses grouped by asset - [List Completed Deposits](/pro/api-reference/list-completed-deposits): Reconcile against NGN bank-transfer deposits that have settled to your Daya Pro balance ### Withdrawals - [List Onchain Withdrawal Options](/pro/api-reference/list-onchain-withdrawal-options): Fetch enabled on-chain withdrawal rails grouped by asset - [Withdraw Onchain](/pro/api-reference/withdraw-onchain): Initiate an on-chain withdrawal from your Daya Pro stablecoin balance - [Withdraw to Bank](/pro/api-reference/withdraw-to-bank): Initiate a fiat withdrawal from your Daya Pro NGN balance to a Nigerian bank account ### Webhooks API - [List Webhooks](/pro/api-reference/list-webhooks): List all webhooks for the authenticated user - [Create Webhook](/pro/api-reference/create-webhook): Create a new webhook endpoint - [Get Webhook](/pro/api-reference/get-webhook): Get a specific webhook by ID - [Update Webhook](/pro/api-reference/update-webhook): Update a webhook's configuration - [Delete Webhook](/pro/api-reference/delete-webhook): Delete a webhook and all its delivery logs - [Rotate Webhook Secret](/pro/api-reference/rotate-webhook-secret): Generate a new signing secret for a webhook - [Get Webhook Deliveries](/pro/api-reference/get-webhook-deliveries): Get delivery logs for a webhook ### Webhooks - [Webhooks Overview](/pro/webhooks/overview): Real-time event notifications for trading activity on Daya Pro - [Webhook Events](/pro/webhooks/events): Detailed schemas for all Pro Trading API webhook event types - [Webhook Verification](/pro/webhooks/verification): Verify Pro Trading API webhook authenticity using HMAC signatures