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Wallets and FX

Hold every currency. Convert at a rate you lock.

Open a wallet for each currency you work in, side by side in one account. Pick a wallet to see its activity, or add another currency.

See the FX API
Total across wallets, in USD
$0
Wallets
    • +₵2,400.00 · INV-0042 · mobile money
    • −₵10,000.00 · PO-2291
Locked quotes

The rate you see is the rate you get.

Every conversion starts with a quote that holds for a short window. Our spread sits on its own line, so you always know what the exchange cost. Change the amount, swap currencies, or let the quote run out.

You convert
You receive
₦00123456789.0012345678900123456789
Example mid-market rate1 GHS = 97.88 NGN
Our spread · 0.5%₵50.00
Quote holds for00:30
CV-1032 · GHS legDebitCredit
GHS wallet₵10,000.00—
FX clearing—₵9,950.00
FX spread revenue—₵50.00
Balanced₵10,000.00₵10,000.00
CV-1032 · NGN legDebitCredit
FX clearing₦974,105.00—
NGN wallet—₦974,105.00
Balanced₦974,105.00₦974,105.00

Every conversion is recorded both ways.

Convert above and the entries update here. Money leaving one wallet and arriving in another is a balanced double-entry record, with the spread booked separately. Your balances are ledger balances, never estimates.

One wallet per currency

Each currency is its own account, so a balance in cedis never blurs into a balance in naira.

Pricing by corridor

Spreads are set per corridor and per plan, so high-volume routes can be priced to match.

New currencies, no wait

Currencies are switched on as configuration, so new ones arrive without an app update.

Hold what you earn, in the currency you earn it