The financial
engine for
Africa’s
people, businesses, and developers.

1// Quote a live FX rate, then pay out — with the Daya API
2const DAYA = "https://api.daya.co/v1";
3const headers = {
4  "X-Api-Key": process.env.DAYA_API_KEY,
5  "Content-Type": "application/json",
6};
7
8// Quote a Naira → USDC rate (Pro FX engine)
9const rate = await fetch(`${DAYA}/rates?from=NGN&to=USDC&side=BUY`, {
10  headers,
11}).then((res) => res.json());
12
13// Pay a supplier in NGN (Business payout)
14const transfer = await fetch(`${DAYA}/transfers`, {
15  method: "POST",
16  headers: { ...headers, "Idempotency-Key": crypto.randomUUID() },
17  body: JSON.stringify({
18    currency: "NGN",
19    amount: "2500000",
20    recipient_id: "rcp_8x7k2mq9p",
21    reference: "invoice-10428",
22  }),
23}).then((res) => res.json());
24console.log(transfer.status); // → "PROCESSING"