StraitsX API Guides

Welcome to the StraitsX API Guides! Unlock the potential of our robust payments and payouts infrastructure to seamlessly manage fiat and stablecoin transactions on your platform. Here, we provide developers with the step-by-step guide on everything related to our API.

Dive in to discover how our APIs can enhance your platform's capabilities and get started on integrating with StraitsX today! If you require any support on integration, please contact us.

Integration Models

Depending on your approved use case, you will need to follow one of the following integration models. Although the overall process might share similarities, it’s essential to connect with the appropriate endpoints to fully utilise our API according to your specific requirements. If you have any questions or need assistance in determining the right connection type, please reach out to us.

First Party Transfer (Customer Profile)

For partners such as crypto exchanges who utilise our APIs to access first party collections and payouts for their platform users. Explore First Party Transfer here.

Third Party Transfer (Customer Profile)

For certain partners such as payment service providers who utilise our APIs to make third party collections and payouts on behalf of their users. Explore Third Party Transfer here.

Regular Transfer

For partners who require general functionality for collections and payouts, our Regular Transfer connection type provides a straightforward solution. This option is ideal for handling standard transactions without specific requirements for first-party or third-party processing. Explore Regular Transfer here.

StraitsX Transfer Comparison

Integration Model Comparison

	First - Party Transfer	Third - Party Transfer	Regular Transfer
Who is this for?	Businesses that collect payments from users and make payouts to their users' external bank accounts (e.g., crypto exchanges, fintech platforms).	Businesses that collect payments and make payouts on behalf of their users (e.g., payment service providers (PSPs), marketplaces).	Businesses that use StraitsX API to collect payments and make payouts for themselves without handling transactions for other users (e.g., corporate treasury, investment firms).
What does it do?	Users deposit only from their own bank accounts and withdraw only to their own bank accounts—no third-party transactions allowed.	Allows partners to process payments and transfers for multiple users—users transact through the partner’s platform instead of directly with their own accounts.	Enables businesses to move their own funds between accounts for internal financial operations—does not involve third-party users.
Where can funds come from?	User’s personal bank account only.	Enables businesses to move their own funds between accounts for internal financial operations—does not involve third-party users.	Any of the Partner’s corporate bank accounts.
Where can funds be sent?	Only to the user’s personal bank account. (Strictly no other users or third parties)	The partner can send funds to users, merchants, or third parties as directed by the partner.	The partner can send funds to users, merchants or linked corporate bank accounts.
When is this used?	When a business needs a compliant, regulated way to facilitate fiat deposits and withdrawals for its users.	When a business facilitates payments and settlements on behalf of its customers (e.g., a PSP processing online payments for merchants).	When a business needs to move funds between its own accounts for financial operations (e.g., treasury functions).
Why choose this model?	✅ Regulatory compliance – Transactions are restricted to verified users. ✅ Security & KYC – Requires user identity verification.	✅ Scalable payment processing – Ideal for platforms handling multiple transactions. ✅ Merchant-friendly – Enables marketplace-style fund flows.	✅ Secure and controlled fund management – Used for treasury operations. ✅ Streamlined fund movements – Reduces complexity of managing business accounts.
How does it work?	1️⃣ User completes KYC verification. 2️⃣ User deposits from their own bank account. 3️⃣ User withdraws to their own bank account. 4️⃣ StraitsX enforces compliance and transaction tracking.	1️⃣ Partner collects KYC details from users. 2️⃣ Users pay via the partner’s platform. 3️⃣ Partner initiates transactions using StraitsX API. 4️⃣ Funds are transferred to users, merchants, or third parties.	1️⃣ The partner uses its own funds. 2️⃣ Transfers are initiated internally between linked accounts. 3️⃣ Transactions are recorded for business financial tracking.
Where can I find more information?	StraitsX First Party Transfer (Customer Profile)	StraitsX Third Party Transfer (Customer Profile)	StraitsX Regular Transfer

Product Guides

StraitsX offers a wide range of products you can utilise according to your specific requirements. Note that depending on your integration type and access granted, some of our products may not be available to you.

We offer six main types of APIs, each designed to handle different aspects of transactions, payments, and digital asset management. Below is a summary of each API and its key functionalities.

Customer Profiles API

This API allows you to create customer profiles for each of your end users on the StraitsX platform. This is essential for using the Payment and Payout APIs. There are 2 different types of customer profile APIs. You may read about the differences here.

Key Functionalities:
- Create, update and retrieve customer profiles.
- Store user-specific transaction history.
- Ensure compliance with Know Your Customer (KYC) requirements.
- Link bank accounts with end users.

Payment API

This API enables end users to make payments to your platform seamlessly.

Key Functionalities:
- Process one-time payments.
- Accept multiple payment methods (PayNow / Bank Transfer).
- Create dynamic / persistent PayNow QR codes.
- Retrieve real-time payment statuses.

Payout API

This API enables you to disburse funds to end users or other parties.

Key functionalities:
- Transfer funds to bank accounts.
- Handle bulk payouts efficiently.
- Track payout statuses and generate reports.

Swap API

This API enables you or your end users to swap between supported cryptocurrency pairings.

Key functionalities:
- Request real-time swap quotes.
- Execute swaps between stablecoins and supported digital assets.
- Retrieve past swap transactions for audit purposes.
- Monitor price fluctuations and liquidity.

Blockchain API

This API allows you to interact with blockchain networks for transfers and asset management.

Key functionalities:
- On-chain deposits and withdrawals for supported cryptocurrencies.
- Whitelisting & security measures to prevent unauthorized transfers.
- Estimate network fees for cryptocurrency transfers on the blockchain.
- Support for multiple blockchain networks.

Transaction Limit API(For CP+ merchants only)

This API allows you to get your transaction limits and request for updates.

Key functionalities:
- Retrieve transaction limits
- Request to update transaction limits
- Retrieve update request details