Stablecoin Transfer

Overview

Initialize stablecoin payments using supported tokens across multiple blockchain networks. This endpoint supports both inbound and outbound crypto transactions with real-time rate conversion.

Supported Tokens and Chains

USDT

Tron (TRX)

USDC

Ethereum (ETH)
Polygon (MATIC)
Avalanche C-Chain (AVAXC)

Ensure you use the correct chain for each token to avoid lost transactions. Not all tokens are supported on all chains.

Transaction Limits

Minimum: 18 USDT/USDC
Maximum: 50,000 USDT/USDC per transaction

Transaction limits may vary based on:

Account verification level
Transaction history
Selected chain/token

Processing Times

TRX Network

Average: 1-3 minutes
Network fee: Low (<$2)
Block confirmations required: 6

ETH Network

Average: 5-30 minutes
Network fee: Variable (gas fees)
Block confirmations required: 12

MATIC/AVAXC

Average: 1-5 minutes
Network fee: Low (<$2)
Block confirmations required: 15

Initialize Payment

POST /payment-sessions

Request Parameters

integer

required

Payment amount in minor units (e.g., cents, kobo)

Minimum: 100
Must be positive integer
Example: 10000 = $100.00 USD

string

required

ISO currency code

Supported: NGN, USD, CAD, USDT, USDC
Must match payment method
Example: “USD”

object

required

Customer information object

Show Customer Fields

string

required

Valid email address

string

required

Customer’s first name

string

required

Customer’s last name

string

required

Phone number in E.164 format

object

required

Billing address details

string

required

Must be of type business or individual

string

required

Customer’s ip address

Must be ipv4 e.g 127.0.0.1

string

required

Payment description

Maximum length: 200 characters
Will appear on statements

string

required

Unique transaction reference

Must be unique per transaction
Maximum length: 50 characters

object

required

Payment method details

string

required

Must be of type: ""

object

required

Order information object

Show Order Fields

string

required

Unique identifier

object[]

required

Show Items Fields

string

required

string

required

type must be one of digital,physical

object

Optional additional data

Nested objects allowed

Request Example

{
  "customer": {
    "first_name": "John",
    "last_name": "Doe",
    "email": "john.doe@example.com",
    "phone_number": "+2348118873422",
    "billing_address": {
      "line1": "123 Main St",
      "line2": "234 Feranmi Drive",
      "city": "Springfield",
      "state": "CA",
      "country": "US",
      "zip_code": "12345"
    },
    "ip_address": "127.0.0.1"
  },
  "description": "Crypto Payment",
  "currency": "USD",
  "amount": 100000,
  "direction": "incoming",
  "payment_method": {
    "type": "crypto_address"
  },
  "reference": "crypto-tx-123",
  "order": {
    "identifier": "ORD12345",
    "items": [
      {
        "name": "Digital Product",
        "type": "digital"
      }
    ]
  }
}

Response Example

{
  "data": {
    "status": "pending",
    "message": "Payment session initialized",
    "payment": {
      "id": "pay_123abc456def",
      "currency": "USD",
      "amount": 100000,
      "description": "Crypto Payment",
      "payment_method": {
        "address": "TRWBqiqoFZysoAeyR1J35ibuyc8EvhUAoY",
        "chain": "TRX",
        "currency": "USDT",
        "type": "crypto_address"
      },
      "status": "pending",
      "date": "2024-03-15T12:00:00Z",
      "mode": "live",
      "customer": {
        "first_name": "John",
        "last_name": "Doe",
        "email": "john.doe@example.com",
        "billing_address": {
          "line1": "123 Main St",
          "line2": "234 Feranmi Drive",
          "city": "Springfield",
          "state": "CA",
          "zip_code": "12345",
          "country": "US"
        }
      },
      "reference": "crypto-tx-123",
      "order": {
        "identifier": "ORD12345",
        "items": [
          {
            "name": "Digital Product",
            "type": "digital"
          }
        ]
      }
    }
  }
}

Validation Rules

Amount Validation

Must be within min/max limits
Must be in minor units (cents)
Must be a positive integer

Address Validation

Must match chain format
Must be active/valid address
Must support token type

Chain/Token Rules

Token must be supported on chain
Chain must be active/operational
Network fees must be reasonable

Rate Conversion

Exchange rates are locked for 15 minutes
Rates include network fees
Rate source: aggregated from major exchanges
Rate updates: every 30 seconds

Webhooks

Monitor transaction status via webhooks:

crypto.payment.pending- Payment detected but unconfirmed
crypto.payment.confirmed- Required confirmations reached
crypto.payment.completed- Funds credited to account
crypto.payment.failed- Transaction failed or expired

Best Practices

Security
- Validate addresses before displaying
- Show clear network/token warnings
- Include QR codes for addresses
User Experience
- Display real-time rate updates
- Show confirmation progress
- Provide clear payment instructions
Error Handling
- Handle network congestion
- Implement payment expiry
- Monitor transaction status

Need Help?

For additional assistance:

Check our Error Handling guide
Contact Support
Join our Discord

Home

Customers

Payments

Payment Transactions

Transfers

Exchange

Wallet As A Service

Overview

Supported Tokens and Chains

Transaction Limits

Processing Times

Initialize Payment

Request Parameters

Request Example

Response Example

Validation Rules

Rate Conversion

Webhooks

Best Practices

Need Help?

​Overview

​Supported Tokens and Chains

​Transaction Limits

​Processing Times

​Initialize Payment

​Request Parameters

​Request Example

​Response Example

​Validation Rules

​Rate Conversion

​Webhooks

​Best Practices

Need Help?

Overview

Supported Tokens and Chains

Transaction Limits

Processing Times

Initialize Payment

Request Parameters

Request Example

Response Example

Validation Rules

Rate Conversion

Webhooks

Best Practices