Core Concepts

Understand the main building blocks of KryptaPay so you can pick the right integration path.

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Wallets

View your liquidity status in real time. The API exposes your portfolio balances in 9 different currencies (EUR, USD, XOF, XAF, NGN, GHS, CDF, USDC, USDT), clearly distinguishing between available and reserved amounts.

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Payins

This module allows you to initiate and centralize fundraising through three major channels: Mobile Money requests (USSD Push in 9 countries), local bank transfers, and the issuance of permanent virtual accounts (SEPA IBAN and USD accounts).

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Payouts

The disbursement API routes your outgoing funds to the most suitable channel: Mobile Money wallets, bank accounts (local, SEPA, SWIFT) or cryptographic addresses (USDC/USDT stablecoins on Ethereum, Polygon, Tron).

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Counterparties

Before issuing a payment, the API allows you to create, validate, and manage your beneficiaries (individuals or businesses). You can associate multiple accounts (e.g., an IBAN, a Mobile Money number, and a USDT address) with a single third party.

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Changes

Query our exchange engine to obtain real-time quotes and perform immediate conversions between your different portfolios (fiat/fiat or fiat/crypto pairs).

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Invoices

This service digitizes the creation and tracking of multi-line invoices, integrating VAT management and multi-currency support. It automatically generates a PDF and a secure public payment link.

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Permanent Virtual Accounts

Provide your business with dedicated bank details to automatically receive transfers from your customers, covering European IBAN accounts (SEPA in EUR) and USD accounts (ACH/FedWire) supported by XOF.

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Webhooks

Abonnez vos serveurs à nos webhooks pour recevoir des requêtes HTTPS dès qu’un événement survient sur votre compte (paiement réussi, échec, réception de fonds sur un IBAN virtuel, validation d’un bénéficiaire).

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Next Steps