Kotani Pay API
Cryptocurrency & Blockchain · Payment Gateways & Processors
Convert stablecoins to local currency via mobile money & bank payouts across Africa
Kotani Pay API Highlights
Kotani Pay API is best for crypto wallets, dApps and remittance apps that need stablecoin on- and off-ramps to African mobile money and bank accounts.
API Key (Bearer Token)
Not publicly specified
Nigeria
Ghana
KenyaKotani Pay connects crypto wallets and blockchain apps to local African payment rails. Its v3 REST API offers on-ramps (fiat in, stablecoins out to a wallet) and off-ramps (stablecoins in, fiat paid out to mobile money or bank accounts), plus deposits and withdrawals through mobile money (M-PESA, MTN MoMo, Airtel Money, Orange Money), bank and card.
It supports 15+ chains including Polygon, Celo, Optimism, Stellar, Arbitrum, Avalanche, Cardano and Lightning, and sends webhooks for transaction status. Authentication: log in by email magic link to get a JWT, generate an API key, then send it as a Bearer token.
A sandbox where no real money moves is available from support. Kotani Pay is Kenya-based.
Its docs list NGN/Nigeria, but Nigeria has been described as an expansion market, so confirm the Naira off-ramp is live before relying on it.
Kotani Pay API Core Features & Capabilities
| Feature | Status | Description & Capabilities |
|---|---|---|
| DeFi / Smart Contract Integration | ✓ Supported | Interact directly with decentralized finance protocols, liquidity pools, and smart contracts. |
| NGN / Fiat On-Off Ramp | ✓ Supported | Seamlessly convert between Nigerian Naira and cryptocurrencies via bank transfer or card. |
| Multi-chain Support | ✓ Supported | Provides native Multi-chain Support capabilities integrated within the API. |
| Webhooks & Real-time Notifications | ✓ Supported | Receive immediate server callbacks on transaction completions, chargebacks, and system events. |
| Card Payments (Visa / Mastercard / Verve) | ✓ Supported | Accept payments from local and international debit and credit cards with instant authorization. |
| Bank Transfer / Pay by Transfer | ✓ Supported | Accept direct bank transfers with automated payment matching and instant account reconciliation. |
| International / Multi-Currency Payments | ✓ Supported | Accept payments and hold balances across multiple global currencies including USD, GBP, and EUR. |
| Payouts & Disbursements | ✓ Supported | Disburse single and batch payments to bank accounts and mobile wallets programmatically. |
| Mobile Money Payments | ✓ Supported | Provides native Mobile Money Payments capabilities integrated within the API. |
| Crypto / Stablecoin Payments | ✓ Supported | Provides native Crypto / Stablecoin Payments capabilities integrated within the API. |
| Sandbox / Test Environment | ✓ Supported | Dedicated testing sandbox with mock data and test credentials for staging development. |
- Fees not published; contact Kotani Pay for rates
- Sandbox base URL is provided by support
Kotani Pay API Supported Webhook Events
| Event Name | Trigger & Description |
|---|---|
payment.successful | Payment charge or invoice was processed and captured successfully. |
payment.failed | Payment collection attempt failed on card, transfer, or POS terminal. |
payout.successful | Outbound disbursement to bank account or mobile wallet was delivered. |
refund.processed | Refund was successfully settled back to customer payment method. |
dispute.created | Customer or bank logged a chargeback dispute against a transaction. |
Required Access Documents for Kotani Pay API
- CAC RegistrationRequiredCertificate of Incorporation or Business Name registration from the Corporate Affairs Commission, required for business onboarding.
- Director / Owner IDRequiredValid government ID (NIN slip, international passport or driver's licence) for directors or beneficial owners.
- Proof of Business AddressOptionalUtility bill or tenancy document for the registered business address, if requested during KYB.
Different Kotani Pay API use cases
- Cash-out for a Crypto Wallet:Let wallet users sell USDT or USDC and receive local currency in their bank or mobile money account.
- Stablecoin Remittances:Send cross-border payments as stablecoins and settle them in local currency on arrival.
- Fiat On-ramp for a dApp:Let users fund a dApp wallet from mobile money or bank transfer without a centralised exchange.