Embed Global
Payout Rails
Into Your Platform.
A REST API for companies that want to build global payment infrastructure rather than use ours. Multi-currency, crypto-native, compliance-included.
{
"batch_id": "batch_882",
"fx_lock": true,
"dual_approval": true,
"payouts": [
{
"recipient_id": "rec_01HX",
"amount": 4200,
"currency": "USD",
"delivery": "USDC",
"country": "AR"
},
{
"recipient_id": "rec_02HX",
"amount": 2800,
"currency": "USD",
"delivery": "local_bank",
"country": "PH"
},
{
"recipient_id": "rec_03HX",
"amount": 5100,
"currency": "USD",
"delivery": "SEPA",
"country": "DE"
}
]
}{
"batch_id": "batch_882",
"status": "queued_for_approval",
"fx_rates_locked": true,
"total_usd": 12100,
"payout_count": 3,
"estimated_settlement": "< 2h"
}The Global Payout Stack. As an API.
Stop building payment infrastructure. Embed Bitwage's rails, compliance, and FX engine into your platform and ship in weeks, not years.
REST API
JSON-over-HTTPS with full OpenAPI documentation. Endpoints for payments, recipients, FX rates, compliance status, and settlement events. Versioned API with backwards-compatible updates.
Webhooks
Real-time settlement notifications for every payment state change — queued, approved, processing, settled, failed. Configurable retry logic with exponential backoff.
Multi-Currency
Access local rails in 60+ countries: SEPA, PIX, SPEI, IMPS, Faster Payments, NEFT, FedNow, and 50+ more. Stablecoin payouts (USDC, USDT) available on all corridors.
Compliance Built-In
OFAC sanctions screening, KYC identity verification, AML monitoring, and W-8BEN collection — all inside the API layer. Your platform gets compliance without building it.
FX Rate Lock
Dedicated rate lock endpoint guarantees the exchange rate for up to 5 minutes. Build payment review flows where your users see and approve a locked rate before funds move.
Batch Payments
Batch endpoint supports up to 10,000 payees per request. Automatic validation, OFAC screening, and rail routing per recipient. Single approval event for the entire batch.
Dual Approval
Configurable two-signer authorization in the API. Your platform implements the approval UX; Bitwage enforces the control. Audit trail available per batch.
Sandbox Environment
Full sandbox with simulated rails, FX rate responses, and settlement webhooks. Test end-to-end payment flows without moving real funds. Available immediately on API signup.
Ready-to-Run Examples
Common integration patterns — copy, modify, and ship.
{
"name": "Maria Lopez",
"email": "maria@example.com",
"country": "AR",
"payment_methods": [
{
"type": "USDC",
"wallet_address": "0xabc...def",
"allocation_pct": 60
},
{
"type": "local_bank",
"bank_name": "Banco Galicia",
"account_number": "****4821",
"allocation_pct": 40
}
]
}{
"from_currency": "USD",
"to_currency": "EUR",
"amount": 48000,
"lock_duration_seconds": 300
}// Response
{
"lock_id": "fx_lock_7823",
"from": "USD",
"to": "EUR",
"rate": 1.0824,
"expires_at": "2026-03-19T14:05:00Z",
"guaranteed": true
}{
"event": "payout.settled",
"payout_id": "pyt_01HX",
"batch_id": "batch_882",
"recipient_id": "rec_01HX",
"amount": 4200,
"currency": "USD",
"delivery_method": "USDC",
"settled_at": "2026-03-19T13:47:22Z",
"tx_hash": "0xf4c2...9a1b",
"country": "AR"
}// Response
{
"recipient_id": "rec_01HX",
"kyc_status": "approved",
"ofac_status": "cleared",
"aml_status": "cleared",
"w8ben_status": "on_file",
"payment_eligible": true,
"last_screened": "2026-03-19T13:00:00Z"
}Who Uses the Bitwage API
Three types of platforms that embed Bitwage payment infrastructure instead of building their own.
Payroll & HRIS Platforms
Payroll software that wants to offer crypto payouts or international contractor payments without building banking relationships, compliance programs, or rail integrations themselves.
AP Automation Tools
Accounts payable platforms that want to replace SWIFT wire routing with local rails and stablecoin payments — faster settlement, lower fees, same AP workflow for their customers.
Marketplace & Platform Businesses
Marketplaces and two-sided platforms that need to pay international sellers, contractors, or service providers — without becoming a regulated money transmitter themselves.
Fits into your
existing stack.
Bitwage API connects to the systems your customers already use. Payment data flows bidirectionally — Bitwage executes, your ERP reconciles.
- NetSuite, Sage Intacct, QuickBooks — auto-reconciliation
- Slack — payment approval and settlement notifications
- Webhooks — real-time events to any endpoint
- OpenAPI spec — generate client SDKs in any language
What's inside the API
- REST API with JSON payloads — full OpenAPI spec
- Sandbox environment for integration testing — no real funds
- Multi-currency payout routing (local rails + crypto)
- FX rate lock with 5-minute guaranteed windows
- OFAC / KYC / AML screening on every payment
- Batch payment endpoint — up to 10,000 payees per request
- Real-time settlement status webhooks with retry logic
- White-label dashboard components (optional)
- Dual approval workflow enforcement
- On-chain transaction hashes for all crypto payouts
Supported Payment Rails
Payment API FAQ
Common questions about embedding Bitwage payout rails into your platform.
The Bitwage API exposes the same payment infrastructure that powers our dashboard products — local rail routing, FX rate lock, crypto payouts, and OFAC sanctions screening — as programmable REST endpoints. Platforms can initiate payments, lock FX rates, receive webhook notifications on settlement, and query payment status without building any of the underlying banking or compliance infrastructure themselves.
The API supports local instant payment rails (SEPA, PIX, SPEI, IMPS, FedNow, RTP), stablecoin payments payouts (USDC, USDT), and Bitcoin/Ethereum wallet transfers — across 60+ countries. Each payment endpoint accepts the destination country, currency, and rail preference; Bitwage routes to the optimal path automatically.
Compliance is handled by Bitwage's infrastructure — not something you build. KYC / AML compliance verification, OFAC sanctions screening against the OFAC SDN list, and AML monitoring run automatically on every payment. The API returns compliance status on each recipient so your platform can handle compliance-blocked payments appropriately.
Yes. The API is designed for white-label integration — your branding, your UX, Bitwage's payment rails and compliance underneath. Webhooks deliver settlement notifications to your systems. The API supports dual approval workflow workflows that you can implement in your own authorization layer.
Yes. The Bitwage API includes a full sandbox environment with simulated payment rails, FX rate responses, and settlement webhooks. Test end-to-end payment flows including on-chain payment tracking for crypto payouts without moving real funds. Sandbox credentials are available immediately on API signup.
Embed global payouts in your platform.
Ship global payment features in weeks, not years. Full compliance and 60-country coverage included.
Explore More
Use Cases
Stop Building. Start Shipping.
Global payout rails, compliance, and FX management — available via one REST API. Get sandbox access and ship in weeks.