Marketplaces
Power escrow-like experiences and route payouts to sellers after receiving customer crypto.
Example: settle merchant payouts to verified bank accounts.
2Settle API
Accept Crypto. Settle in Cash — Automatically.
Integrate 2Settle to accept crypto from customers while your business receives bank settlement in local currency (and USD settlement where supported), with transparent pricing and real-time status visibility.
Bank AuthenticationWebhooksVerified Settlement Partners
Who It's For
Built for Business-Grade Settlement
Merchants & Online Stores
Accept crypto at checkout and receive settlement in local bank accounts for day-to-day operations.
Example: process customer payments and auto-settle into NGN.
Platforms & Fintechs
Embed crypto-to-cash settlement rails inside your app with transparent status tracking.
Example: add payouts for creators, vendors, and service providers.
Key Capabilities
Everything You Need to Integrate Fast
Create Payout
Create cash payouts to destination bank accounts once crypto payment is received.
Bank Account Verification
Validate recipient account details with name match and authentication checks.
Rate Quote / Fees Preview
Show exact crypto required with fee breakdown and quote expiry before confirmation.
Webhooks & Events
Receive real-time event callbacks for payment lifecycle updates.
Transaction Status & Tracking
Track each transfer state from pending to confirmed to settled.
Compliance-Ready Flows
Support KYC/KYB controls and verification-based transaction limits.
How It Works
API Integration Flow
Create transfer intent
Create an order or payout intent from your backend.
Receive quote
Get crypto amount, fees, and quote expiry instantly.
Customer sends crypto
Customer pays using supported crypto rails.
Confirm + match liquidity
2Settle confirms payment and matches settlement liquidity.
Settle + webhook updates
Cash is settled to bank account and status is pushed via webhooks.
Code Examples
Start with Minimal Requests
Create Transfer / Payout
curl -X POST https://api.2settle.io/v1/transfers \
-H "Authorization: Bearer YOUR_API_KEY" \
-H "Content-Type: application/json" \
-d '{
"reference": "ref_12345",
"amount": 250000,
"fiat": "NGN",
"asset": "USDT_TRC20",
"recipient": {
"bank_code": "058",
"account_number": "0123456789"
}
}'Verify Bank Account
curl -X POST https://api.2settle.io/v1/banks/verify \
-H "Authorization: Bearer YOUR_API_KEY" \
-H "Content-Type: application/json" \
-d '{
"bank_code": "058",
"account_number": "0123456789"
}'Receive Webhook
curl -X POST https://your-app.com/webhooks/2settle \
-H "X-2Settle-Signature: tssig_xxx" \
-H "Content-Type: application/json" \
-d '{"event":"transfer.settled","reference":"ref_12345"}'Security note: Verify webhook signatures before processing events.
Pricing & Limits
Transparent Cost Structure
Conversion Charge
1%
Applied per conversion transaction.
Processing Fee
₦1,000 / ₦2,000 / ₦5,000
Tiered by transfer amount band.
Settlement Target
~15 mins
Typical settlement completion window.
Limits
$2,000 / $5,000
Varies by verification level.
You'll always see total fees before confirming.
Trust & Security
Operational Confidence by Default
KYC/KYB-ready
Verified settlement partners
Bank authentication
Audit-friendly references
Support + monitoring
Build Payments That Settle.
Share your use case and get implementation guidance, API access, and go-live support.
How quickly can we go live?
Most teams can start testing quickly with sandbox-style flows and move to production after integration checks.
Can we use webhooks and polling together?
Yes. Use webhooks for real-time updates and polling as a fallback for reliability.
Do you support business compliance needs?
Yes. Flows are designed for KYC/KYB-friendly operations and audit-ready references.