The money movement OS for African business
Create wallets, accept on-chain payments and send payouts in stablecoins. One API, one dashboard.
- 3 chains
- Mainnet + testnet
- USDT · USDC · EURC
- Stablecoin-native
- Signed webhooks
- Real-time events
- Sandbox
- Real testnets, no mocks
Move money without the blockchain complexity
Accept, hold and send stablecoins across major chains. Stay in control with built-in KYB, withdrawal safeguards and full visibility.
Explore productsOne API to move money
A clean REST API, scoped keys, signed webhooks and a sandbox. Go live in 10 to 15 minutes.
Start buildingEverything you need to move money in stablecoins
Wallets
Multi-chain HD deposit addresses, one per customer, reused and tracked.
- One address per customer, per chain
- TRON, BNB Chain and Ethereum
- Available, pending and locked balances
Collections
Detect on-chain deposits in real time, with confirmations and automatic sweeping.
- Real-time block-log detection
- Automatic sweeping to your treasury
- Signed webhook on every state change
Payouts
Send stablecoin payouts by API to allow-listed addresses, with limits and screening.
- Withdrawal allow-list with cooling-off
- Four-eyes approval and value-aware step-up
- Per-asset and rolling 24h limits
Why teams build on CowriePay
Live in days, not months
A sandbox on real blockchain testnets, pre-funded for you so your team validates the full money flow without sourcing test assets; official Node, Python and PHP SDKs, scoped keys and signed webhooks. Integrate fast.
Move money safely
Deposit provenance screening, sanctions checks, withdrawal allow-lists, four-eyes approval, value-aware step-up, credit only on on-chain finality, and a full audit trail.
Built for African stablecoin flows
USDT across TRON, BNB Chain and Ethereum, plus USDC and EURC on Ethereum, with a TRON-first focus where stablecoins actually move.
How it fits together
Funds arrive on TRON, BNB Chain or Ethereum.
A dedicated address per customer receives the funds, detected and confirmed automatically.
Confirmed deposits are swept to your treasury.
Send stablecoins by API to allow-listed addresses.
Integrate in minutes, not weeks
- Create a wallet in a single API call
- Get a signed webhook on every deposit
- Test everything free in the Sandbox
# One base URL for Sandbox and Live; your key picks the network
# (cpk_test_ = testnet, cpk_live_ = mainnet). Requests are HMAC-signed.
curl https://api.cowriepay.io/v2/wallets \
-H "X-CowriePay-Key: cpk_live_..." \
-H "X-CowriePay-Timestamp: 1720000000" \
-H "X-CowriePay-Signature: <hmac-sha256>" \
-H "Content-Type: application/json" \
-d '{"chain":"TRON_MAINNET","asset":"USDT_TRON"}'Solutions
One platform, many ways to move money.
Settle across borders in stablecoins
Collect and pay out in USDT, USDC and EURC across multiple chains, faster and cheaper than legacy rails.
ExploreCompliance-native, not bolted on
What is next
Live today. Here is what we are building next.
Hosted checkout
Branded payment pages and embeddable components to accept stablecoins and digital assets.
Invoices and payment links
Send an invoice or a link and get paid in stablecoins.
Subscriptions
Recurring stablecoin billing for SaaS and memberships.
Settlement to local currency
Settle to local currency through COWRIEX liquidity.
Frequently asked questions
Custody, chains, compliance and settlement, answered.
Is CowriePay custodial, and who holds the keys?
CowriePay is a custodial wallet-as-a-service. Funds sit in CowriePay-managed wallets, and we handle key custody and signing, so you provision and use wallets entirely through the API with no keys to handle yourself. Withdrawals are protected by an allow-list, cooling-off, four-eyes approval and value-aware step-up.
Which chains and assets are supported?
USDT on TRON, BNB Chain and Ethereum, plus USDC and EURC on Ethereum, and native assets such as ETH and BNB. Our focus is TRON-first, where stablecoins actually move in Africa.
Is CowriePay compliant, and what AML controls are in place?
Compliance is built into the platform, not bolted on. The origin address of every deposit is screened against sanctions lists before it is credited or swept, and if screening cannot run the funds are held. We run KYB with ultimate-beneficial-owner identification at the start of the relationship, keep a full audit trail on every sensitive action, and can generate suspicious-transaction report worksheets to complete and file with national financial intelligence units (CENTIF in Benin, NFIU in Nigeria).
Can I settle stablecoins to local currency such as XOF or NGN?
Today, funds settle to an on-chain address you or your recipient controls, in USDT, USDC or EURC. Converting stablecoins to local currency such as XOF or NGN is on the roadmap through COWRIEX liquidity.
How fast can I go live?
You build in the Sandbox immediately and go live in 10 to 15 minutes of integration once your workspace is approved. Request access, get a cpk_test_ key, build on real testnets with a built-in faucet, complete KYB, then switch to a cpk_live_ key. Same base URL, same code.
How does pricing work?
Simple and transparent. There are no setup fees and the Sandbox is free. You pay a per-transaction fee on live, on-chain volume, and network fees are passed through. Current rates are shared during onboarding.
How am I notified of deposits and payouts?
Through HMAC-signed webhooks on every state change (DEPOSIT_DETECTED, DEPOSIT_CONFIRMED, DEPOSIT_SWEPT, WITHDRAWAL_PROCESSING, WITHDRAWAL_CONFIRMED, WITHDRAWAL_FAILED) and in the dashboard in real time. Deliveries retry with backoff and are logged, so you never lose an event.
Is there a test environment?
Yes. A full Sandbox on real blockchain testnets (TRON Nile, BSC testnet, Ethereum Hoodi), pre-funded with test tokens through a built-in faucet, so you validate the full money flow without chasing public faucets.
Who is CowriePay for?
African businesses and developers that move money in stablecoins: fintechs, marketplaces, payment service providers, cross-border and payroll teams, and crypto-native products. We focus on francophone West Africa and the wider continent.
Start moving money in stablecoins
Create an account and get API keys in minutes, or talk to our team.