xpendB2B
Live API · v1

Modern merchant payments.

Collect stablecoins from anywhere, settle in Naira at locked rates , one API for the whole payment lifecycle.

Explore platformRead the docs
5 min
Key to first webhook
5
Core API primitives
HMAC
Signed webhooks
POST /v1/payment_intents · 201·GET /v1/balances · cached 12s·payout.settled · 4,182 today·p99 · 184ms·
Built for businesses

One API. Every Naira business model.

From the boutique on Awolowo Road to the SaaS team in Yaba, we ship the same primitives, then let the integration shape the surface.

Retail & commerce

Food & hospitality

Digital services

Settled

ledger.credit · 2 sec ago

₦185,400
Reconciliation

Reconcile every Naira automatically

Xpend keeps your books up to date as money moves, credits, payouts and fees, all stamped and queryable from one ledger.

  • Real-time ledger

    Per-asset · per-corridor

  • Append-only credits

    Idempotent · auditable

  • Settlement-ready

    NGN payouts on demand

Webhook verified

POST /events · 200 · 67ms

Developer experience

Built for engineers who ship

Drop your secret key into a single header. Xpend hands back a checkout URL or deposit address, the exact surface you ship to a customer.

  • Single-header auth

    Bearer secret · per env

  • Signed webhooks

    HMAC SHA-256 · v1

  • Predictable JSON

    Typed SDKs · cURL-friendly

For product & engineering teams

Five primitives. One predictable surface.

Payment intents, payouts, balances, webhooks, idempotency. Each is a small REST resource with a clear lifecycle. Build the merchant flow you want, on top of well-shaped JSON.

Open the Quickstart
Checkout
Intent
Webhook

Hub

Xpend Core

Settle

NGN payoutLedger entry

Notify

HMAC webhookDashboardEmail
The five primitives

Small surface. Predictable shapes.

  1. 01

    Payment intents

    A single record for every incoming customer payment, from quote to settlement.

    POST /v1/payment_intents
  2. 02

    Payouts

    Send Naira to any NGN-licensed bank. Single or bulk, idempotent, webhook-signaled.

    POST /v1/payouts
  3. 03

    Balances & ledger

    Double-entry, per-asset, per-corridor. Walk it forwards or query a snapshot.

    GET /v1/balances
  4. 04

    Webhooks

    HMAC-signed deliveries with exponential retry. Replay anything from the last 30 days.

    POST {your_url}
  5. 05

    Assets & networks

    USDT and USDC across Tron, Solana, Polygon, Base, Ethereum. One unified balance.

    GET /v1/assets
Pick a lane

Three ways into the platform.

Conceptual, code-first, or production-readiness. Pick the lane that fits how your team learns.

Product overview

Start with the why.

How the platform is shaped, what we settle, and what trade-offs we made for Naira speed.

Read the overview

API integration

Get to the first webhook.

Five-minute Quickstart with cURL and Node samples. From key to signed payload.

Open the Quickstart

Launch checklist

Ship to production safely.

The exact set of toggles, IPs, idempotency, retry, and observability checks we run on every go-live.

See the checklist