Quick Start

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"
    }
  }'

const fundingAccount = await fetch('https://api.sandbox.daya.co/v1/funding-accounts', {
  method: 'POST',
  headers: {
    'X-Api-Key': 'YOUR_SANDBOX_API_KEY',
    'X-Idempotency-Key': 'ngn-onramp-001',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    type: 'TEMPORARY',
    rail: 'NGN_VIRTUAL_ACCOUNT',
    customer: {
      customer_id: '650e8400-e29b-41d4-a716-446655440000'
    },
    currency: 'NGN',
    amount: 50000,
    settlement_destination: {
      type: 'INTERNAL_BALANCE'
    }
  })
}).then((response) => response.json());

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"
      }
    }
  }'

const fundingAccount = await fetch('https://api.sandbox.daya.co/v1/funding-accounts', {
  method: 'POST',
  headers: {
    'X-Api-Key': 'YOUR_SANDBOX_API_KEY',
    'X-Idempotency-Key': 'crypto-offramp-001',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    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'
      }
    }
  })
}).then((response) => response.json());

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.

Getting Started

Core Concepts

Guides

Rates & Chains

Customers

Funding Accounts

Transfers

Deposits

Recipients

Banks

USD Virtual Accounts

USD Virtual Account Deposits

Merchant Balance

Merchant Funding

Webhooks

Legacy API

Prerequisites

Create an onramp

Create an offramp

Track with Webhooks

Next Steps

Funding Accounts

Create Funding Account

Deposits API

​Prerequisites

​Create an onramp

​Create an offramp

​Track with Webhooks

​Next Steps

Funding Accounts

Create Funding Account

Deposits API

Prerequisites

Create an onramp

Create an offramp

Track with Webhooks

Next Steps