Busha

Blockchain · Payments · Banking & Fintech

Busha is Nigeria's first SEC-licensed digital asset platform offering crypto infrastructure for businesses and developers across Africa. The company operates two distinct API products: the Commerce API for accepting crypto payments, and the Business API for building comprehensive crypto wallets, on/off-ramps, and treasury management tools. Busha supports seven African currency corridors including NGN (Nigeria), KES (Kenya), GHS (Ghana), UGX (Uganda), TZS (Tanzania), XOF (West Africa CFA franc), and RWF (Rwanda) — making it one of the broadest multi-corridor crypto APIs on the continent.

freemium

API Key (X-BC-API-KEY header from Busha Commerce Dashboard)

Not publicly specified — contact Busha for limits

✓ Available

Best For

Nigerian fintechs, neobanks, e-commerce platforms, and enterprises that want to build crypto on/off-ramps, accept crypto payments, or manage multi-currency treasury operations across Africa using Nigeria's first SEC-licensed digital asset platform.

Pricing

Busha is Nigeria's first SEC-licensed digital asset platform — a significant compliance differentiator. Authentication uses X-BC-API-KEY header. Commerce API and Business API are two separate products — Commerce is for payment acceptance; Business API covers wallet, on/off-ramp, and treasury. Enterprise onboarding required for Business API access.

Not Supported

USSD PaymentsCard Payment AcceptanceNGN Bank Transfer In (Direct)

Key Highlights

  • Nigeria's first SEC-licensed digital asset platform
  • Covers NGN, KES, GHS, UGX, TZS, XOF, RWF corridors
  • Crypto on-ramp and off-ramp across multiple African markets
  • Treasury management with stablecoin inflation hedging
  • Commerce API for instant crypto payment acceptance
  • NGN withdrawal fee: ₦107.50 (VAT inclusive)
  • Corporate card issuance and multi-currency accounts

Required Access Documents

  • Business Registration (CAC)Required
    Certificate of Incorporation or Business Name Registration from the Corporate Affairs Commission for Nigerian businesses.
  • Director KYCRequired
    Government-issued ID (International Passport, Driver's Licence, or NIN) for all directors and beneficial owners.
  • SEC / Regulatory ComplianceRequired
    As a SEC-licensed platform, Busha requires compliance with Nigerian Securities and Exchange Commission rules for business partners — including AML questionnaires and business purpose documentation.
  • BVN VerificationRequired
    Bank Verification Number of at least one director for CBN/SEC-mandated identity verification.

Use Cases

  • Crypto Payment Checkout for Nigerian E-commerce:Use Busha Commerce API to add a crypto checkout option to a Nigerian online store — customers pay in Bitcoin or USDT, and the merchant settles in NGN automatically via SEC-licensed rails.
  • African Cross-Border Payment Infrastructure:Nigerian fintechs can use Busha Business API to build cross-border payment products covering NGN, KES, GHS, and 5 other African currencies via crypto-backed settlement corridors.
  • Corporate Treasury Management:Nigerian enterprises holding idle NGN can use Busha Treasury API to convert to USDC or USDT as an inflation hedge, maintaining USD-equivalent value while retaining ability to pay Nigerian suppliers in NGN.
  • Crypto Wallet App for Nigerian Users:Developers can use Busha Wallet API to embed a multi-currency crypto wallet into a Nigerian fintech app, supporting Bitcoin, Ethereum, USDT, and other assets with NGN on/off-ramp.
  • Import/Export FX Settlement:Nigerian importers and exporters can use Busha to pay international suppliers in USDT from their Busha treasury account, avoiding expensive SWIFT wire fees while settling cross-border trade obligations.

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