Accept stablecoins.
Settle in naira.
Xpend gives your business a hosted checkout, a clean payments API, and automatic local-bank settlement. Collect USDC and USDT across networks — reconcile every credit and payout from one console.
HMAC-signed webhooks · Idempotent API · Sandbox + live · Daily settlement
Everything you need to run payments
From the first checkout to daily settlement — one API surface, one operational console.
Hosted checkout
A drop-in payment page with live FX quotes and QR codes. No PCI scope, no front-end to build.
Payment intents
Create, track and reconcile every collection with a clean, idempotent REST API.
Automatic payouts
Sweep your stablecoin balance to a local bank on a daily, automatic settlement schedule.
Balances & ledger
An append-only ledger reconciles every credit and payout, down to the cent, per asset.
Signed webhooks
HMAC-signed events for every state change, with automatic retries and a full delivery log.
Team & roles
Invite your team with scoped roles. Operate test and live mode from one console.
Three lines to your first payment.
A small, predictable REST surface with explicit error envelopes. Spin up in the sandbox, then flip one key to go live.
curl https://bapi.justxpend.ai/v1/payment-intents \-H "Authorization: Bearer $XPEND_SECRET_KEY" \-H "Idempotency-Key: order_8421" \-d '{"amount": "150.00","chain": "ethereum","token": "USDC"}'
From stablecoin in, to naira out
Collect
Your customer pays USDC or USDT through your hosted checkout or API integration.
Convert
Xpend locks a live FX quote and credits your Xpend balance within seconds.
Settle
Funds sweep to your local bank account automatically, on your daily schedule.
Start accepting stablecoins today
Create an account in minutes. Your application stays pending until approved — test mode is free once you’re in.