Xalys — Cross-Border Payment API for Africa

Who uses the Xalys

🏦

Diaspora fintechs & neobanks

Add direct-to-mobile-money transfers for your African diaspora users. One API integration replaces negotiations with a dozen local providers.

💼

Payroll & contractor platforms

Pay remote workers and freelancers in Africa via mobile money or bank transfer. Bulk disbursements supported via API.

⛓️

Crypto-native companies

Already holding USDC/USDT? Off-ramp to XOF or KES at the lowest cost — zero on-ramp fee since you're funding with stablecoins directly.

🌐

Remittance & money transfer

Licensed MTOs looking for reliable, low-cost Africa corridors. Complement your existing rails or replace expensive correspondent banking relationships.

Deep coverage where it matters

Instead of thin coverage across 40 countries, we go deep in the corridors that handle the most diaspora volume — with licensed, regulated providers in each.

West Africa — WAEMU

8 countries

🇸🇳 🇨🇮 🇲🇱 🇧🇫 🇹🇬 🇧🇯 🇳🇪 🇬🇼

Bank deposit Cash pickup Mobile money

Total corridor cost from 1.5% — Licensed, BCEAO-regulated settlement partners

East Africa

3 countries

🇰🇪 🇺🇬 🇹🇿

Bank transfer Mobile money

Total corridor cost from 2% — Central Bank of Kenya licensed settlement partner

One API call, we handle the rest

Fund your account, call our API, and the recipient gets paid to their mobile wallet or bank account — typically in under a minute.

Fund your account

Deposit USD, USDC, USDT, XOF, or KES to your Gateway balance. Multiple funding paths available.

Call the API

Send a payout request with recipient details and destination. One endpoint, any corridor.

We route & convert

Gateway selects the optimal provider, handles FX conversion, and settles with the local partner.

Recipient gets paid

Funds arrive to Orange Money, Wave, M-Pesa, bank account, or cash pickup point.

Funding & settlement paths

You send USD USDC USDT

We accept USD USDC USDT XOF KES

West Africa USDC USDT USD → XOF

East Africa USD USDC USDT → KES

Stablecoin-native. No double conversion.

Most cross-border APIs only accept USD and convert twice — USD to an intermediary, then to local currency. Xalys accepts USDC and USDT natively, eliminating the fiat on-ramp fee entirely.

Fund with USDC/USDT — skip the 0.5% fiat on-ramp
Fund with USD — we handle the stablecoin conversion (0.5% on-ramp fee)
Fund with XOF or KES directly if you already hold local currency
Gateway prefinances provider accounts — no per-transaction settlement delay

Built for developers who ship fast

A clean REST API with predictable responses, real-time webhooks, and a sandbox environment. Integrate Africa payouts in a day, not a quarter.

Single endpoint for all corridors — route by destination country
Real-time webhooks for transaction status updates
Sandbox environment with test credentials
Idempotent requests — safe to retry without double-sends
FX rate quotes before you commit to a transaction
Bulk payout endpoint for payroll and disbursement

// Send money to M-Pesa in Kenya

const payout = await xalys.payouts.create({

  amount: 50000,          // KES 50,000

  currency: "KES",

  country: "KE",

  method: "mobile_money",

  provider: "mpesa",

  recipient: {

    phone: "+254712345678",

    name: "Jane Wanjiku"

  },

  reference: "payroll-july-001",

  funding: "usdc"         // fund from USDC balance

});

// Response: { id: "pay_3x8k...", status: "processing" }

// Webhook fires ~30s later: status → "completed"

Built different from legacy rails

We're not wrapping SWIFT in an API. Xalys is built on stablecoin settlement, licensed local providers, and transparent pricing.

⚡

Stablecoin-native settlement

Accept USDC/USDT directly — no fiat on-ramp fee. Crypto-savvy clients save 50–75bps vs. traditional rails on every transaction.

🔒

Fully licensed providers

Every corridor is powered by regulated, licensed entities — BCEAO-authorized in West Africa, Central Bank of Kenya licensed in East Africa. No unlicensed intermediaries.

💰

Transparent total cost

No hidden FX spreads or markup layers. We show the full fee stack — from on-ramp through last-mile — so you know exactly what each transaction costs.

🌍

Multi-currency gateway

Fund your account in USD, USDC, USDT, XOF, or KES. We prefinance provider accounts by corridor — no per-transaction settlement wait.

📱

Mobile money reach

Orange Money, Wave, and M-Pesa — the wallets your recipients actually use. Near-instant settlement to 11 countries across West and East Africa.

🏗️

White-label ready

Embed Xalys corridors into your product without your users knowing we exist. Your brand, our rails. No Jootal branding in the recipient experience.

Simple, transparent pricing

Your total cost = funding fee + Xalys processing fee + payout fee. No setup fees, no monthly minimums. You only pay when you send.

Step 1 — Fund your balance

Choose how you deposit into your Gateway account

MOST COMMON

Stablecoin

USDC / USDT

0% funding fee

Deposit stablecoins directly. No conversion needed — funds go straight to settlement. Lowest cost path.

Fiat

USD

0.5% funding fee

Deposit USD. We handle the conversion to stablecoin for settlement at 0.50%.

Local currency

XOF / KES

0% funding fee

Already hold local currency? Deposit XOF or KES directly — no conversion fees at all.

Step 2 — Xalys processing

Our fee for routing, FX conversion, compliance, and settlement

Gateway fee

Xalys processing

1% per transaction

Includes corridor routing, FX conversion, compliance screening, and settlement to destination.

Step 3 — Payout to recipient

Last-mile fee depends on how the recipient gets their money

Mobile money

Orange Money / Wave / M-Pesa

1%–1.15%

Near-instant delivery to recipient's mobile wallet. Most popular payout method.

Bank deposit

Bank account

0.5%–1%

Direct deposit to recipient's bank account. Settlement typically same-day.

Cash

Cash pickup

Recipient collects cash at a partner location. West Africa corridor only.

Example total cost

USDC funding 0% + Xalys fee 1% + Orange Money 1% = 2% total

Stablecoin to mobile money — the most common path

Volume discounts available. Contact us for custom pricing above $100K monthly.

Licensed, registered, regulated

🏛️

FinCEN registered MSB

Parent company Jootal Financial Inc. (Delaware C-Corp, Atlanta HQ) is a FinCEN-registered MSB

🔐

BSA / AML compliant

Full Bank Secrecy Act compliance with ongoing OFAC screening on every transaction

✅

KYC / KYB verified

All API clients go through Know Your Business verification before accessing the Gateway

🌍

Licensed locally

BCEAO-authorized (West Africa) and CBK-licensed (East Africa) settlement providers

Xalys, your gateway to Africa