The settlement layer for African payments.
One API. Every corridor. Mid-market rates. Any payment company that needs to settle cross-border in Africa plugs in here.
Three steps. One integration. Every corridor.
Integrate once
One REST API. All corridors. Partners connect once — new corridors activate with zero code changes on your side.
Route intelligently
Our engine picks the optimal path: a licensed funding partner, then stablecoin routing, then a licensed ZAR payout partner. Mid market rate throughout.
Settle directly
Recipient receives ZAR, NGN, KES, or GHS straight to their bank account. No wallets required on their end.
Live corridors & coming soon.
Activate any coming-soon corridor with a single config change — no code deploys.
Fee estimates include onramp (~1%), SwapEazi routing (0.5%), and offramp (~1.5%). Industry average: 3.5%+ with FX markup.
0.5% routing fee. Nothing else.
No monthly costs. No setup fees. No FX markup. Pay only when you settle. Mid-market rate every time.
Who plugs into SwapEazi.
Remittance companies
Settling EUR/GBP to ZAR/NGN/KES for diaspora sending money home.
Payroll platforms
Paying African contractors and employees in local currency from anywhere.
E-commerce merchants
Receiving payments from African customers and settling to local banks.
SA payment gateways
Peach, Ozow, PayFast — adding international settlement to domestic ZAR flows.
Quote, then transfer. Two calls. Done.
Full REST API — JSON in, JSON out. No SDKs required (though we have one).
// 1. Get a quote
const quote = await fetch("https://swapeazi.io/api/v1/settle/quote", {
method: "POST",
headers: {
"Authorization": "Bearer YOUR_API_KEY",
"Content-Type": "application/json"
},
body: JSON.stringify({
amountEUR: 5000,
sourceCurrency: "EUR",
targetCurrency: "ZAR",
corridor: "EUR-ZAR",
partnerRef: "your-internal-ref-001"
})
}).then(r => r.json());
// quote.targetAmount → exact ZAR recipient receives
// quote.feeBreakdown → full transparency on all fees
// quote.quoteId → use in transfer (expires in 60s)
// 2. Execute the transfer
const transfer = await fetch("https://swapeazi.io/api/v1/transfer", {
method: "POST",
headers: {
"Authorization": "Bearer YOUR_API_KEY",
"Content-Type": "application/json"
},
body: JSON.stringify({
quoteId: quote.quoteId,
sourceCurrency: "EUR",
targetCurrency: "ZAR",
sourceAmount: 5000,
corridor: "EUR-ZAR",
recipient: {
fullName: "Thabo Nkosi",
accountNumber: "62384958201",
branchCode: "250655",
bank: "FNB",
country: "ZA"
},
partnerRef: "your-internal-ref-001"
})
}).then(r => r.json());
// transfer.swapEaziRef → track at /api/v1/transfer/{ref}{
"swapEaziRef": "B2B-20260414-A3F9C812",
"status": "INITIATED",
"estimatedDelivery": "2026-04-14T11:45:00Z",
"trackingUrl": "/api/v1/transfer/B2B-20260414-A3F9C812"
}Ready to integrate?
Email us to get sandbox access. We typically respond within 24 hours and can have you live on EUR→ZAR within a week.