xB

PAYOUT NETWORK · 23 AFRICAN MARKETS

Payouts across Africa. Instantly.

One API for 23 African markets. Rates that track the XE mid-market, settlement in minutes, payouts to mobile money or bank — no local entities, no idle float.

Fund in USDT or fiat · B2B (KYB, no consumer KYC) · licensed local rails

• ~0.5–1.5% blended take
• One API, many payout rails

Rate, speed, and reach — what decides whether a corridor is worth running.

02 / INTEGRATE

One Payouts API for live FX and every payout method

Integrate once, reach every corridor. Quote FX, fund a balance, and disburse through one API — a single payout call routes to the right local method.

• Live FX quotes — current rates with a TTL before you commit.

• 40+ methods — mobile money and bank, chosen per corridor from one request.

• Sandbox to production — build, then flip to live. First payout in days.

• Webhooks — status callbacks with FX, fee, and settlement legs itemised.

Read the API docs →

03 / SETTLE

Settle and transact instantly, in USDT

Fund in USDT and your balance is live in minutes; liquidity merchants settle the same way. No idle fiat in a dozen countries, no settlement windows in the way.

• Minutes, not days — on-chain settlement replaces correspondent-bank delays.

• No idle float — stop parking capital in every currency you pay into.

• Transparent legs — FX, fee, and spread booked separately and auditable.

median settlement 2 min 14 s

Measured USDT confirmation to balance credit. Figure to be confirmed against the production SLA.

04 / MANAGE

A back office built for liquidity, not spreadsheets

Run it all from one workspace: balances by corridor, liquidity backing each one, and payouts in real time — so you top up before running dry.

• Liquidity — balances and reserved merchant liquidity per corridor.

• Live monitoring — payout status, success rates, settlement timing.

• Reconciliation — itemised legs, ready to export or pull via API.

• Limits & controls — set per-corridor limits and roles for your team.

See the back office →

05 / WHO IT'S FOR

Built for businesses paying into Africa.

Five kinds of operator run on the same network — the difference is only volume and corridor mix.

Every payout lands through a licensed local rail, with the FX, fee, and settlement legs booked separately and auditable.

POST /v2/fx/quotes
{ "sell": "USDT", "buy": "KES", "amount": 1000 }

200 { "rate": 129.40, "quote_id": "qt_7d1", "ttl_s": 30 }

POST /v2/balances/fund
{ "quote_id": "qt_7d1", "currency": "KES", "network": "tron" }

201 { "deposit_address": "T9y...4kQ", "credited": 129400.00 }

POST /v2/payouts
{
  "corridor": "KE",
  "amount": { "value": 25000, "currency": "KES" },
  "method": "mpesa",
  "beneficiary": { "msisdn": "+2547..." }
}

200 { "status": "payout.accepted", "id": "po_8f21c" }

POST https://you.example.com/hooks/xb
{
  "event": "payout.completed",
  "id": "po_8f21c",
  "legs": {
    "fx": { "rate": 129.40 },
    "fee": { "bps": 85 },
    "settlement": { "asset": "USDT", "state": "confirmed" }
  }
}