Payments-as-a-Service
Collections, payouts and FX behind one API, across 5 African markets.
Learn more
// Cross-border payments infrastructure
The end
The end
of prefunding.
Dutch API is a cross-border payment infrastructure provider for businesses moving money into, out of and across Africa: collections, payouts, FX and settlement behind one API. And just-in-time funding is coming soon: the payout API will fund each transaction as it is created, so your treasury never sits in a partner account waiting.
Licensed & regulated · 99.8% API uptime · sandbox in minutes
~/dutch-api · payout.sh
$ dutch-api payouts create \
--amount 250000 --currency XAF \
--rail orange_money --fund usdc
→ just-in-time funding · coming soon
{ "id": "pyt_8f2a", "funding": "just_in_time",
"status": "processing" }
--amount 250000 --currency XAF \
--rail orange_money --fund usdc
→ just-in-time funding · coming soon
{ "id": "pyt_8f2a", "funding": "just_in_time",
"status": "processing" }
200 OK· sandbox preview · settles in ~2 min
LIVE
// The difference
Today you wire millions ahead. Then they sit there.
Every payout company prefunds: SWIFT millions to partner accounts days in advance, park local currency, and hope demand matches. That’s dead capital and FX risk on your balance sheet. Coming soon, we replace it with one funding leg, the instant a transaction is created.
The old way
01
Wire by SWIFT, 3–5 days ahead
Millions leave your treasury before a single customer transacts.
02
Park local currency in partner accounts
Idle balances spread across markets, exposed to FX swings.
03
Reconcile, top up, repeat
Operational drag and trapped working capital, every cycle.
With Dutch API
01
Create the transaction
Call the API the moment your customer initiates. Once just-in-time funding launches, nothing sits prefunded.
02
Fund it just-in-time in stablecoin (coming soon)
One near-instant USDC/USDT funding leg, only for what’s actually moving.
03
We settle locally in minutes
Money lands on local rails. Your treasury earned right up to the second it moved.
0 days
prefunding, once just-in-time funding launches
Minutes
to settle locally, not days to prefund
// The math
Every day of prefunding is capital you can’t touch.
Prefunding means money sits in partner accounts, doing nothing, waiting for demand to show up. Just-in-time funding, coming soon, hands that capital back. Move the sliders to see roughly how much.illustrative
$133K
Locked in partner accounts today, at this volume and prefunding window
Capital freed ≈ monthly volume ÷ 30 × prefunding days. Figures are illustrative and depend on your actual corridors and volumes.
// Not ready to re-plumb?
Keep your setup. Just fund it in stablecoin.
Just-in-time is where funding is going — but you don’t have to re-engineer to start. Fund your existing payout balance in bulk with USDC or USDT instead of wiring by SWIFT, and cut prefunding from days to hours today.
Explore stablecoin funding01Prefund by SWIFT — days ahead, partner holds your float
02Fund in stablecoin — in bulk, in minutes, keep your tech
03Just-in-time, coming soon: fund per transaction, zero prefunding
// The other direction
Collecting? We settle you same-day.
The same stablecoin engine runs in reverse, settling collections in your currency the same day instead of waiting on correspondent banks.
- Same-day settlement on collections
- FX at a quoted rate, our margin included
- One API for collect, fund, pay and settle
One API · every rail
Every way money moves, as endpoints.
Collections, payouts, FX and balances, with just-in-time funding coming soon. Idempotent, webhook-driven, sandbox-first.
POST
/v1/payoutsCreate a payout, funded from your balance
POST
/v1/fundingComing soon: settle a transaction’s funding leg in USDC / USDT
POST
/v1/collectionsCollect across markets, settled same-day
POST
/v1/fx/quoteLock a conversion rate before you convert
GET
/v1/balancesRead multi-currency & stablecoin balances live
POST
/v1/webhooksSubscribe to settlement & funding events
// One dashboard
Payments
Cards
Banking
Crypto
Wallets
Compliance
Pay
Treasury
Global
Automation
Ten solutions, one integration.
Request access, get approved per solution, and build on whichever combination your product needs.
Cards-as-a-Service
Issue USD Mastercard and Visa virtual cards for your users.
Learn moreVirtual-Accounts-as-a-Service
Dedicated Nigerian and Ghanaian virtual bank accounts, per user.
Learn moreCrypto-as-a-Service
Markets, orders, on-ramp and off-ramp for trading platforms and exchanges.
Learn moreWallet-as-a-Service
A multi-currency wallet for every user, fiat and stablecoin.
Learn moreCompliance-as-a-Service
KYC, KYB, sanctions screening and monitoring, built in.
Learn moreDutchPay
Pay. Collect. Send. Receive. Fees, bills, suppliers and travel, as an API, widget or white label.
Learn moreCrypto Treasury-as-a-Service
Balances, policies, approvals and conversions for digital-asset treasuries.
Learn moreAccess Global Transfers
Reach regions we do not serve directly, commonly Asia, through our partner network.
Learn moreSpecialized Tools & Automations
Rules, schedules and bulk payouts that run on events.
Learn more
// Who builds on us
Remittance
PSP · Fintech
Platform
For the companies moving money at scale.
Remittance companies
Pay out in our initial markets from one balance you top up with USDC or USDT, instead of prefunding a float in each.
PSPs & fintechs
Embed payouts, collections and FX into your product with one integration and a sandbox.
Global platforms & marketplaces
Pay sellers, creators and partners in fast-growing markets from one balance you can fund in stablecoin.
Coverage
Deep in fast-growing markets. Connected to the world.
5
countries
8
currencies
3+
networks
- NGN
- XAF
- USD
- EUR
- GBP
- KES
- GHS
- UGX
- Orange Money
- MTN MoMo
- M-Pesa
- Airtel Money
African Payment Solutions across Cameroon, Nigeria, Kenya, Ghana and Uganda is the initial priority, with additional currencies, markets and networks rolling out progressively.
// Built on trust
Infrastructure you can underwrite.
RegulatedDutch API operates through Dutch Inc Platforms and licensed, regulated third-party infrastructure providers in every market we serve.
PrivateStablecoin custody and fund safeguarding are held with dedicated custody partners, isolated from operational systems.
ComplianceEvery transaction runs through automated KYC/AML and sanctions screening before it settles.
Regulatory and custody partner details are available to approved partners under NDA.
Keep your millions. Fund from one balance.
Grab a sandbox key and top up from USDC or USDT today. Just-in-time funding is coming soon.
No setup fees · no upfront costs · no monthly fees · no KYB at signup · for individuals, indie developers, startups, project builders and enterprises alike. See pricing →