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## What is the Daya API?

The Daya API enables merchants to accept Nigerian Naira (NGN) bank transfers from their users and seamlessly convert them to USDC or USDT stablecoins.

Quick Start

Get started with your first onramp in minutes

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How it Works

  1. Create an onramp
    Request a virtual account.
  2. Receive a bank transfer
    Your user sends Naira to the provided bank account details.
  3. Daya processes the deposit
    Daya converts the funds and settles them automatically.
  4. Get notified
    You receive webhook events as the deposit is settled.

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Key Features

Provision Nigerian Naira virtual bank accounts so you can accept local transfers without setting up local bank accounts or handling reconciliation.
Lock in exchange rates with a defined validity window, so eligible deposits execute at a known rate.
Receive webhook events as deposits move through their lifecycle, including creation, settlement, and failure.
Test your integration end-to-end using simulated NGN deposits and testnet assets, with the same API surface and behavior as production.

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Settlement Options

Daya supports NGN → USDC / USDT conversions with the following settlement options after deposit:

Auto-withdraw

Convert NGN deposits and automatically settle USDC or USDT to a specified on-chain address.

Merchant balance

Convert NGN deposits and credit your Daya balance for later withdrawal.

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Environments

Base URL: https://sandbox-api.daya.xyzTest environment with simulated NGN deposits and testnet USDC/USDT. Perfect for integration testing without real funds.
  • Separate API keys from production
  • No real money movement
  • Full feature parity with production

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Next Steps

Authentication

Learn how to authenticate your API requests

Core Concepts

Understand onramps, deposits, and rates

API Reference

Explore the complete API endpoints

Webhooks

Set up real-time event notifications