Build Studio NG

Grey (Grey.co) API

Banking & Fintech · Payment Gateways & Processors · Currency & Exchange Rates

Grey (formerly Aboki Africa) is a digital cross-border banking platform that provides global foreign bank accounts and foreign exchange settlement APIs for African freelancers, remote workers, and digital businesses. Founded in Nigeria, Grey allows users and tech platforms to instantly generate dedicated virtual international accounts in USD, EUR, and GBP, complete with personalized routing numbers, IBANs, and SWIFT/BIC codes.

Grey (Grey.co) API Highlights

Grey (Grey.co) API is verified for developer integrations in Nigeria and across African markets, providing documented endpoints, sandbox testing, and developer support.

Authentication

API Key (Bearer Token in Authorization header)

Rate Limit

100 requests per minute on standard sandbox; scalable on production

Sandbox Mode

✓ Available

Webhooks

✓ Supported

Supported Regions

Nigeria

Ghana

Kenya

Grey (Grey.co) API Services

Virtual Account NumbersBank Transfer / Pay by TransferInternational / Multi-Currency PaymentsWebhooks & Real-time Notifications

Alternative African Company to

Plaid Stripe Treasury Tink Marqeta

Grey (Grey.co) API is best for:

African tech startups, creator platforms, and remote payroll companies needing automated virtual foreign bank accounts (USD/EUR/GBP) and frictionless NGN conversion.

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API Pricing Model

Opening virtual international accounts (USD, EUR, GBP) is free
Receiving funds incurs a 0.5% 1% deposit fee depending on currency and rail (ACH/SEPA/Wire)
Currency exchange spreads range from 0.8% to 1.5%
Local Naira payouts to Nigerian bank accounts are charged at a flat ₦35 ₦50 fee

Grey (Grey.co) API Core Features & Capabilities

Features Included

Virtual Account Numbers Bank Transfer / Pay by Transfer International / Multi-Currency Payments Webhooks & Real-time Notifications Free Tier Available Payouts & Disbursements

Grey (Grey.co) API Supported Webhook Events

Webhooks supported (Webhooks & Real-time Notifications). Check official documentation for endpoint setup.

Required Access Documents for Grey (Grey.co) API

Registered Business EntityRequired
CAC registration certificate and director details required for live production keys.
AML / Compliance QuestionnaireRequired
Brief overview of platform business model and expected monthly FX volume.

Different Grey (Grey.co) API use cases

Remote Work & Creator Payout Platforms:Automate USD and GBP virtual account generation for Nigerian remote contractors, allowing them to receive international client wires and withdraw in Naira instantly.
B2B SaaS Cross-Border Treasury:Collect foreign client subscription fees in foreign currencies and settle automatically into local Nigerian operational bank accounts.