One integration for stablecoin to bank settlement.
AxLink gives banks, payment providers and fintechs a single API for custody wallets, screened deposits, approved withdrawals and payouts to bank accounts and mobile money, backed by a double-entry ledger.
USDT · USDC · USD · EUR · GBP · CAD · KES · NGN
Everything an institution needs to move value, behind one API.
Settlement and crypto infrastructure run as one service, so a payout never leaves our network between custody, conversion and the bank.
Custody wallets
Per-institution wallets on USDT (Ethereum, Tron) and USDC (Ethereum, Solana), held in custody.
Screened deposits
Inbound transfers are screened for AML and KYT risk before they are credited to the institution ledger.
Controlled withdrawals
Second-key approval, an address book with cooling period, and destination screening. Each withdrawal is submitted once.
Live quotes
Rates are read live on every call. Quotes are never cached and never locked, so you see the market, not a promise.
Payouts and on-ramps
Pay stablecoin out to bank accounts and mobile money, or accept fiat into a virtual account and receive stablecoin.
Settlement policy
Per-institution single-transaction and daily velocity limits. Over the line is cancelled or queued for operator review.
Ledger and reconciliation
A double-entry ledger with holds, plus three daily reconciliations against custody, settlement records and treasury.
Compliance cases
Flagged activity opens a case. Operators release or block with a recorded reason, visible in the audit log.
Signed webhooks
Up to ten endpoints per institution, signed and retried from an outbox so events survive restarts.
Connect once. Move money everywhere it needs to go.
AxLink gives partners and integrators one platform for holding, converting and delivering money. Here is what happens, from the day you connect to the day the books close.
Connect
One integration, not five.Create an account, complete onboarding and get scoped API keys. Custody, screening, conversion and local rails sit behind a single contract.
Fund
Money ready when you are.Hold USDT or USDC in your own custody wallets, or collect fiat into a virtual account and receive stablecoin. Deposits are screened before they are credited.
Send
Your rules decide what runs.Request a payout with a live quote. Your limits and approvers decide whether it goes straight through, waits for a second approval or is held for review.
Settle
Delivered where the receiver is.AxLink converts and delivers over local bank rails or mobile money, or sends stablecoin, and confirms when the money has arrived.
Reconcile
Finance always has the answer.Every movement lands on a double-entry ledger, every change is sent as a signed webhook, and daily reconciliations keep the books matched.
See how your money moves.
Pick where it starts and where it lands. AxLink handles the quote, the checks and the settlement, so you only see the result.
5,000 GBP leaves a bank in the United Kingdom and lands in Kenya as 834,278 KES, paid to a bank account.
Sample rates and fees for illustration. The rate is read live when you send and is not locked; the final amount is confirmed when the payment settles. Each corridor is switched on per institution once it is confirmed.
Approve and track payouts from your phone.
Second-key approvals and live payout status, wherever your team is.
- Approve withdrawals. Review the amount, destination and policy result before you sign off.
- Follow every state. From Created to Settled, with the live rate shown as an estimate.
- Same account. Sign in with your Appra account and security PIN.
Good morning, Amara
10,000.00 USDC
to 1,286,832 KES · mobile moneyBuilt for every institution that moves money.
Banks
Add stablecoin settlement to existing correspondent flows with approvals and limits your risk team controls.
Payment providers
Fund payouts from stablecoin balances and reach local rails through one contract.
Fintechs
Ship cross-border payouts without building custody, screening or reconciliation yourself.
Remittance
Collect fiat, hold stablecoin, pay out to bank accounts and mobile money.
Enterprises
Treasury teams paying suppliers and staff across currencies from one balance.
Marketplaces
Pay out sellers in their currency with customer-level records for each payout.
Controls on every path money takes.
AxLink holds institution assets in custody, so controls sit around the money, not just the API.
Access
API key and secret per integration with scopes. Approval scope is never granted by default.
- Scoped keys
- IP allowlist
- Rate limits
Safe execution
Retries never double-pay. Unknown outcomes are looked up, not treated as failures.
- Idempotency keys
- Submit once
- Holds until confirmed
Compliance
Deposits and destinations are screened. Cases are reviewed by an operator.
- AML / KYT
- Address book
- Case log
Isolation
Each institution sees only its own data. Another institution's resource returns not found.
- Tenant isolation
- Signed webhooks
- Audit log
Create a payout in one call.
Idempotent POSTs, scoped keys and signed webhooks. Changes to the API are additive.
- Swagger reference and sandbox
- Idempotency-Key replay for 24 hours
- Webhook events for every state change
# create a USDC → KES payout
curl -X POST https://api.axlink.example/api/v1/payouts \
-H "x-appraxe-key: $KEY" \
-H "x-appraxe-secret: $SECRET" \
-H "Idempotency-Key: inv-2041" \
-d '{ "amount": "10000.00", "asset": "USDC",
"currency": "KES", "rail": "mobile_money" }'Questions institutions ask.
Who holds the funds?
Institution assets are held in custody wallets. AxLink is not a non-custodial service. Every balance is mirrored on a double-entry ledger.
Are quotes guaranteed?
No. Rates are read live on each call and are never locked. Treat a quote as an estimate until the payout settles.
Which corridors are available?
USD, EUR, GBP, CAD, KES and NGN. Corridors are enabled per institution after confirmation.
How are large or unusual payouts handled?
The settlement policy checks each withdrawal against your single-transaction and daily velocity limits. It then allows, queues for operator review, or cancels.
What happens if a request is retried?
Send an Idempotency-Key. A repeat with the same body returns the original result; a different body is rejected.
How do we get started?
Create an account. We complete onboarding for your institution and issue scoped API keys.
Settle with one integration.
Talk to the AppraGlobal team about corridors, limits and onboarding for your institution.