Quick Start - Daya API Documentation

Prerequisites

Get API keys

Create or choose a customer

Funding accounts are created for existing customers. Create one with POST /v1/customers or use a customer you already have.

Verify connectivity

curl https://api.sandbox.daya.co/health

Pick the receive flow you want to test:

Onramp
Offramp

Create an onramp

Create a temporary onramp to accept NGN and settle to your Daya balance. Daya returns bank account details your customer can pay into.

curl --request POST \
  --url https://api.sandbox.daya.co/v1/funding-accounts \
  --header 'X-Api-Key: YOUR_SANDBOX_API_KEY' \
  --header 'X-Idempotency-Key: ngn-onramp-001' \
  --header 'Content-Type: application/json' \
  --data '{
    "type": "TEMPORARY",
    "rail": "NGN_VIRTUAL_ACCOUNT",
    "customer": {
      "customer_id": "650e8400-e29b-41d4-a716-446655440000"
    },
    "currency": "NGN",
    "amount": 50000,
    "settlement_destination": {
      "type": "INTERNAL_BALANCE"
    }
  }'

Example response:

{
  "object": "funding_account",
  "id": "750e8400-e29b-41d4-a716-446655440100",
  "type": "TEMPORARY",
  "status": "ACTIVE",
  "rail": "NGN_VIRTUAL_ACCOUNT",
  "customer_id": "650e8400-e29b-41d4-a716-446655440000",
  "currency": "NGN",
  "amount": 50000,
  "settlement_destination": {
    "type": "INTERNAL_BALANCE"
  },
  "instructions": [
    {
      "type": "NGN_VIRTUAL_ACCOUNT",
      "status": "ACTIVE",
      "bank_name": "Wema Bank",
      "bank_code": "035",
      "account_number": "0690000031",
      "account_name": "Daya - Customer",
      "currency": "NGN"
    }
  ],
  "expires_at": "2026-01-14T15:25:12Z"
}

Show the instructions bank details to your customer. When the customer pays, reconcile deposits with /v1/deposits and match rows by funding_account_id:

curl --request GET \
  --url 'https://api.sandbox.daya.co/v1/deposits' \
  --header 'X-Api-Key: YOUR_SANDBOX_API_KEY'

Create an offramp

First resolve the destination bank account:

curl --request POST \
  --url https://api.sandbox.daya.co/v1/banks/resolve \
  --header 'X-Api-Key: YOUR_SANDBOX_API_KEY' \
  --header 'Content-Type: application/json' \
  --data '{
    "account_number": "0690000031",
    "bank_code": "044"
  }'

Then create a temporary offramp to accept stablecoins and settle as an NGN payout.

curl --request POST \
  --url https://api.sandbox.daya.co/v1/funding-accounts \
  --header 'X-Api-Key: YOUR_SANDBOX_API_KEY' \
  --header 'X-Idempotency-Key: crypto-offramp-001' \
  --header 'Content-Type: application/json' \
  --data '{
    "type": "TEMPORARY",
    "rail": "CRYPTO_ADDRESS",
    "customer": {
      "customer_id": "650e8400-e29b-41d4-a716-446655440000"
    },
    "asset": "USDC",
    "chain": "BASE",
    "settlement_destination": {
      "type": "NGN_PAYOUT",
      "rate_id": "550e8400-e29b-41d4-a716-446655440000",
      "destination_bank": {
        "account_number": "0690000031",
        "bank_code": "044"
      }
    }
  }'

Example response:

{
  "object": "funding_account",
  "id": "750e8400-e29b-41d4-a716-446655440200",
  "type": "TEMPORARY",
  "status": "ACTIVE",
  "rail": "CRYPTO_ADDRESS",
  "customer_id": "650e8400-e29b-41d4-a716-446655440000",
  "asset": "USDC",
  "chain": "BASE",
  "settlement_destination": {
    "type": "NGN_PAYOUT",
    "destination_currency": "NGN",
    "destination_bank": {
      "account_number": "0690000031",
      "bank_code": "044"
    }
  },
  "instructions": [
    {
      "type": "CRYPTO_ADDRESS",
      "status": "ACTIVE",
      "address": "0x742d35cc6634c0532925a3b844bc9e7595f2bd18",
      "chain": "BASE"
    }
  ]
}

Show the crypto address to your customer. When crypto lands, reconcile deposits with /v1/deposits and match rows by funding_account_id:

curl --request GET \
  --url 'https://api.sandbox.daya.co/v1/deposits' \
  --header 'X-Api-Key: YOUR_SANDBOX_API_KEY'

Track with Webhooks

Subscribe to webhook events so your system updates without polling.

Event	Use it for
`funding_account.active`	Show payment details to the customer
`funding_account.failed`	Stop the flow and ask the customer to retry
`deposit.received`	Mark incoming funds as detected
`deposit.processing`	Settlement has started
`deposit.completed`	Settlement reached its destination
`deposit.requires_review`	The deposit needs review before continuing
`deposit.failed`	The deposit failed

Next Steps

Funding Accounts

Learn the receive-money model.

Create Funding Account

See every request field.

Deposits API

Reconcile incoming money.

​Prerequisites

​Create an onramp

​Create an offramp

​Track with Webhooks

​Next Steps