How to Build Cross Border Payments Solution with Bitnob APIs

The best cross border payments solutions don’t just process transactions, they solve real problems. Be it sending money across borders, issuing virtual cards, or enabling crypto payments, the right infrastructure makes all the difference.

That’s where Bitnob’s APIs come in. It gives you the tools to build seamless financial solutions without worrying about liquidity, compliance, or settlement delays. 

In this guide, we’ll walk through what’s possible with Bitnob and how to get started.

What Can You Build with Bitnob APIs?

Bitnob’s APIs are designed to give businesses the infrastructure they need to build scalable fintech solutions. Whether you’re enabling payments, issuing virtual cards, or integrating crypto wallets, here’s what you can create:

Cross-Border Payments

Build a seamless remittance platform that allows users to send and receive money across Africa and beyond instantly and at a low cost. Automate transactions, reduce settlement times, and eliminate expensive intermediaries.

BTC/USDT Swaps

Integrate a fast and secure way for users to swap Bitcoin and USDT within your platform. Offer real-time conversion rates, smooth liquidity, and automated settlement—all with a simple API call.

Bitcoin & Stablecoin Wallets

Develop a secure digital wallet solution that supports both Bitcoin and stablecoins. Whether you want to provide custodial or non-custodial options, Bitnob’s API makes it easy to:

• Create and manage unique BTC & USDT wallet addresses for users.
• Enable instant sending, receiving, and swapping.
• Offer a compliant and scalable wallet experience without the complexity.

Virtual Cards

Launch a reloadable USD virtual card service for users to make seamless online payments. With Bitnob’s Virtual Cards API, you can:

• Issue and manage virtual cards programmatically.
• Enable users to fund cards with Bitcoin or stablecoins.
• Track transactions and automate top-ups in real time.

Lightning Infrastructure

Tap into the Bitcoin Lightning Network to enable fast, low-cost Bitcoin transactions. This is worthy of consideration if you're building a merchant payment gateway or an on-chain/off-chain transfer system.

How to Integrate Bitnob’s API

• Go to the docs: Explore this page for more insights before getting started
• Create a sandbox account: Sign up and generate your sandbox API key.
• Explore the API: Read through the documentation and API references.
• Build and test: Use the sandbox API key to develop and test your app.
• Go live: Create a live account and get your production API key.
• Launch: Swap your sandbox API key with the live key, test again, and deploy.
• Final checks: Review compliance, security best practices, and fees before going live.

Bitnob’s API is designed for flexibility; whether you're building a new cross border solution or adding to an existing product, you get a solid infrastructure without the heavy lifting.

Ready to build? Start here.