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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.
ProductDirectionTypical use
OfframpsStablecoin → local fiatPay a supplier’s NGN bank account from your USDC treasury
OnrampsLocal fiat → stablecoinLet a customer deposit NGN and receive USDC at their wallet
Both products follow the same pattern as payment routes: create an order → fund it → track until settled in the transactions ledger.

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Before you create an order

Use the reference endpoints to discover what is supported and validate bank details before committing:
EndpointPurposeScope
GET /v1/fiat/currenciesSupported local currenciesofframps:read or onramps:read
GET /v1/fiat/institutions/:codeBanks for a currencyofframps:read or onramps:read
POST /v1/fiat/verify-accountConfirm account name before payoutofframps:write or onramps:write
GET /v1/fiat/rates/:token/:amount/:currencySell quote (stablecoin → fiat)fx: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 — do not hardcode.

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Offramps — pay a local bank account

Send stablecoin; the recipient receives fiat in their bank account.
1

Get a rate

Call GET /v1/fiat/rates/:token/:amount/:currency and note the quoted rate. You pass this rate when creating the order.
2

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.
3

Fund the order

Send the exact stablecoin amount to the receiveAddress in the response before validUntil.
4

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.
5

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. Scopes: offramps:read, offramps:write
The legacy payouts:* scopes still work as aliases for offramps.

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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"
    }
  }'

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Onramps — collect fiat, deliver stablecoin

Create a virtual account; your user deposits local currency; stablecoin is delivered to the wallet you specify.
1

Create the order

POST /v1/onramps with destinationAddress, destinationAddressType (liquidation_address or main_wallet), refundAccount (bank details for failed deposits), amount, and customerId.
2

Share deposit details

The response includes a deposit object with bank name, account number, amount to transfer, and validUntil. Show these to your user.
3

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. Scopes: onramps:read, onramps:write

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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"
    }
  }'

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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"
kindProduct
offrampStablecoin → local fiat payout
onrampLocal fiat deposit → stablecoin delivery
Filter by customerId to build per-user payout or funding history.
Outbound webhooks to your server are not available yet. Poll order endpoints or the transactions ledger for status updates.