Settlra API Documentation
Send USDC stablecoins directly to mobile money wallets across Africa — no banks required. Settlra handles FX conversion, compliance, and last-mile delivery so you can focus on building your product.
Go from zero to your first payout in 5 minutes.
Full reference for all endpoints and schemas.
Official TypeScript / Node.js client library.
Try requests interactively in the sandbox.
What is Settlra?
Settlra is a B2B API that converts USDC stablecoins into African mobile money payments in real time. Businesses and fintech companies use Settlra to pay remote workers, disburse loans, or send remittances — all without needing a bank relationship in each country.
How it works
- Get a quote — Call
POST /v1/quotesto lock in an exchange rate for USDC → local currency. Quotes are valid for 5 minutes. - Create a payout — Call
POST /v1/payoutswith thequote_idand recipient details. You receive a USDC deposit address. - Send USDC — Send the exact amount to the deposit address on-chain. Settlra detects the deposit automatically.
- Delivery — After confirmation, Settlra immediately disburses mobile money to the recipient. You receive a webhook notification.
Key features
From USDC confirmed on-chain to mobile money delivered — typically under 5 minutes.
AML screening, sanctions checking, and KYC tier limits enforced automatically.
Every write endpoint accepts an idempotency key — safe to retry on network failures.
MTN Uganda, Airtel Uganda, M-Pesa Kenya, and more networks launching soon.
Push notifications for every state transition — no polling required.
Submit up to 100 payouts in a single batch for high-volume disbursements.
Base URL
All API requests use HTTPS. The base URL depends on the environment:
| Environment | Base URL |
|---|---|
Sandbox | https://api-sandbox.settlra.com/v1 |
Production | https://api.settlra.com/v1 |
Ready to start?
Follow the Quick Start guide to make your first payout in under 5 minutes, or jump directly to the API Reference.