Remitflex Documentation

Remitflex connects stablecoins and local bank accounts in African markets. You integrate once; we handle bank disbursement, virtual account deposits, FX quoting, and settlement tracking.

Product	Direction	Typical use
Offramps	Stablecoin → local fiat	Pay a supplier’s NGN bank account from your USDC treasury
Onramps	Local fiat → stablecoin	Let a customer deposit NGN and receive USDC at their wallet

Need a customer Smart Wallet, permanent NGN VA, or CNGN↔USDC converts? Use cNGN instead. Local fiat is partner bank payouts/deposits without a Remitflex-managed wallet.

Both products follow the same pattern as payment routes: create an order → fund it → track until settled in the transactions ledger.

Before you create an order

Use the reference endpoints to discover what is supported and validate bank details before committing:

Endpoint	Purpose	Scope
`GET /v1/fiat/currencies`	Supported local currencies	`api:read`
`GET /v1/fiat/institutions/:code`	Banks for a currency	`api:read`
`POST /v1/fiat/verify-account`	Confirm account name before payout	`api:write`
`GET /v1/fiat/rates/:token/:amount/:currency`	Sell quote (stablecoin → fiat)	`api:read`

# Example: quote selling 100 USDC to NGN
curl "https://api.remitflex.io/v1/fiat/rates/USDC/100/NGN" \
  -H "Authorization: Bearer $REMITFLEX_API_KEY"

NGN is live today. Additional currencies appear in /fiat/currencies as they become available.

Offramps — pay a local bank account

Send stablecoin; the recipient receives fiat in their bank account.

Get a rate

Call GET /v1/fiat/rates/:token/:amount/:currency and note the quoted rate. You pass this rate when creating the order.

Create the order

POST /v1/offramps with recipient bank details, amount, rate, returnAddress (where funds return if the order fails), reference, and a customer customerId.

Fund the order

Send the exact stablecoin amount to the receiveAddress in the response before validUntil.

Link your transfer

After your on-chain transfer succeeds, call PATCH /v1/offramps/:orderId/external-transfer with your internal transfer ID. This ties your funding transaction to the order so settlement can proceed.

Track

Poll GET /v1/offramps/:orderId or reconcile via GET /v1/transactions (kind: offramp).

Cancel an unfunded order with DELETE /v1/offramps/:orderId. You cannot cancel after linking an external transfer. List orders: GET /v1/offramps?customerId=... Scopes: api:read, api:write

Example — create offramp

curl -X POST https://api.remitflex.io/v1/offramps \
  -H "Authorization: Bearer $REMITFLEX_API_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{
    "customerId": "cus_abc123",
    "amount": "100",
    "rate": "1650.50",
    "reference": "payout-inv-1042",
    "returnAddress": "0x742d35Cc6634C0532925a3b844Bc9e7595f0bEb",
    "token": "USDC",
    "network": "base",
    "recipient": {
      "institution": "058",
      "accountIdentifier": "0123456789",
      "accountName": "Ada Okafor",
      "currency": "NGN"
    }
  }'

Onramps — collect fiat, deliver stablecoin

Create a virtual account; your user deposits local currency; stablecoin is delivered to the wallet you specify.

Create the order

POST /v1/onramps with destinationAddress, destinationAddressType (liquidation_address or main_wallet), refundAccount (bank details for failed deposits), amount, and customerId.

Share deposit details

The response includes a deposit object with bank name, account number, amount to transfer, and validUntil. Show these to your user.

Track settlement

Poll GET /v1/onramps/:orderId?poll=true to refresh status, or read GET /v1/transactions (kind: onramp).

When settlement completes, the response includes settlementTxHash and settledUsdcAmount. List orders: GET /v1/onramps?customerId=... Scopes: api:read, api:write

Example — create onramp

curl -X POST https://api.remitflex.io/v1/onramps \
  -H "Authorization: Bearer $REMITFLEX_API_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{
    "customerId": "cus_abc123",
    "amount": "50000",
    "sourceCurrency": "NGN",
    "destinationAddress": "0x742d35Cc6634C0532925a3b844Bc9e7595f0bEb",
    "destinationAddressType": "main_wallet",
    "destinationNetwork": "base",
    "destinationCurrency": "USDC",
    "refundAccount": {
      "institution": "058",
      "accountIdentifier": "0123456789",
      "accountName": "Ada Okafor"
    }
  }'

Reconciliation

Offramps and onramps appear in the unified ledger alongside payment routes and payment links:

curl "https://api.remitflex.io/v1/transactions?customerId=cus_abc123" \
  -H "Authorization: Bearer $REMITFLEX_API_KEY"

`kind`	Product
`offramp`	Stablecoin → local fiat payout
`onramp`	Local fiat deposit → stablecoin delivery

Filter by customerId on GET /v1/transactions, GET /v1/offramps, and GET /v1/onramps to build per-user payout or funding history. For status updates, see Webhooks.

Get started

Concepts

Collect

Convert & FX

Local money

Customers & ledger

Integration

Local fiat payouts and deposits

Before you create an order

Offramps — pay a local bank account

Example — create offramp

Onramps — collect fiat, deliver stablecoin

Example — create onramp

Reconciliation

​Before you create an order

​Offramps — pay a local bank account

​Example — create offramp

​Onramps — collect fiat, deliver stablecoin

​Example — create onramp

​Reconciliation

Before you create an order

Offramps — pay a local bank account

Example — create offramp

Onramps — collect fiat, deliver stablecoin

Example — create onramp

Reconciliation