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HomeCategoriesPaymentsZone (formerly AppZone) API

Zone (formerly AppZone) API

Payments · Banking & Fintech · Blockchain · Nigeria

Zone (formerly AppZone) is Africa's first CBN-licensed blockchain-based payment switching and processing company, founded by Obi Emetarom and headquartered in Lagos, Nigeria. In 2022, Zone became the first blockchain-powered fintech to receive a Payment Switching and Processing License from the Central Bank of Nigeria a historically significant milestone that validated blockchain technology as a legitimate payment infrastructure layer under Nigerian regulatory oversight.

Zone (formerly AppZone) API Highlights

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

Authentication

API Key / OAuth (via Zone developer portal)

Rate Limit

Enterprise SLA specific limits negotiated per integration

Sandbox Mode
✓ Available
Webhooks
Not verified yet
Supported Regions
NigeriaNigeriaGhanaGhanaKenyaKenya
Zone (formerly AppZone) API Services
ATM Transaction ProcessingPOS Payment ProcessingWeb / In-App PaymentsFunds Transfers (Account-to-Account)
Alternative African Company to
PlaidStripe TreasuryTinkMarqeta

Zone (formerly AppZone) API is best for:

Nigerian banks, fintechs, and infrastructure developers that need a CBN-licensed blockchain payment switch to process ATM withdrawals, POS, web/in-app payments, and cross-border remittances the only blockchain-powered payment switch licensed by the CBN in Africa.

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API Pricing Model
  • Transaction-based pricing for switching and processing
  • Rates negotiated with partner banks and fintechs
  • Contact Zone for enterprise pricing

Zone (formerly AppZone) API Core Features & Capabilities

Features Included

ATM Transaction ProcessingPOS Payment ProcessingWeb / In-App PaymentsFunds Transfers (Account-to-Account)Cash Withdrawals at AgentsCross-Border RemittancesMerchant PaymentsBlockchain Settlement Layer

Not Supported

Consumer-Facing AppDirect Debit Mandates

Required Access Documents for Zone (formerly AppZone) API

  • CBN License / Bank PartnershipRequired
    Zone targets banks and licensed fintechs. A CBN license or partnership with a licensed institution is typically required for integration.
  • Technical Integration AgreementRequired
    Zone requires a formal integration agreement before providing API access onboarding is B2B partnership-driven, not self-service.

Different Zone (formerly AppZone) API use cases

  • Bank ATM Network Extension:Nigerian commercial banks can use Zone's switching API to connect ATMs to a decentralized blockchain switch enabling interoperability with other banks' ATMs for withdrawal transactions without NIBSS routing overhead.
  • Fintech POS Processing:Nigerian fintech companies providing POS terminals to merchants can use Zone as their payment switch to process POS card transactions, with blockchain-backed settlement transparency.
  • Cross-Border Remittance Infrastructure:Nigerian remittance operators can use Zone's cross-border API to route international transfers over a blockchain settlement layer reducing correspondent banking fees and improving settlement speed.
  • Multi-Bank Transfer Routing:Fintech platforms handling high volumes of inter-bank transfers can use Zone's switching layer to route NGN transfers between Nigerian banks with optimized routing and real-time blockchain settlement records.

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