Flincap Products
Flincap offers a suite of interconnected products that together form a comprehensive borderless payments stack. Whether you need a developer API for stablecoin and local African currency payments or an OTC desk for large transactions, our products have you covered:
Stablecoin Payments API
Our Stablecoin API is a developer-friendly solution that enables seamless integration of stablecoin infrastructure into your applications. With this RESTful API and webhooks, you can:
Send and Receive Payments: Programmatically transfer USDC/USDT to and from Flincap, with automatic conversion to local currencies for payouts. For example, you can send a payment from your USD stablecoin balance and have a vendor in Nigeria receive it as NGN in their bank account within minutes.
Multi-Chain Support: Interact with stablecoins across multiple blockchains without worrying about the technical complexity. Our API abstracts the details, so whether it's on Ethereum, Tron, or other supported networks, you get a unified interface.
Collections (Pay-ins): Generate virtual account details or payment links to collect local payments in various African countries. Funds collected via bank transfer or mobile money are automatically converted to stablecoins or credited to your Flincap balance in USD. This is ideal for businesses accepting customer payments or funding their Flincap account from local markets.
Payouts (Pay-outs): Initiate payouts to bank accounts, mobile wallets, or cash pickup points across our network. The API takes in your stablecoin or USD balance and handles last-mile delivery in the recipient's local currency. Flincap orchestrates the conversion and transfer via our compliant local partners, so your recipients get paid quickly with no hassle.
Real-Time Monitoring & Control: Use our dashboard or API endpoints to monitor transaction status in real time. Receive callbacks for settlement confirmations. Set spending limits, rules, and automate treasury functions. Flincap's API is designed with enterprise-grade controls to fit your business workflows.
Why it matters: Our API-first approach means you can build custom payment flows on top of Flincap easily. Rather than spending months integrating various banks and crypto exchanges, a single integration with Flincap gives you access to a network of stablecoin liquidity and local payment rails. Detailed documentation and a sandbox environment are available to get you started quick!
OTC Desk
For clients who need to handle large-volume transactions or treasury conversions, Flincap's OTC (Over-The-Counter) Desk provides a personalized, high-liquidity service. The OTC Desk is perfect for scenarios like:
Bulk Stablecoin Liquidity: Converting large sums of fiat to stablecoins (or vice versa) beyond the limits of automated exchange channels. Our traders provide competitive quotes for high-volume trades, tapping into deep liquidity pools to minimize slippage.
Treasury Management Moves: If your company is moving significant funds into USD stablecoins for hedging or transferring earnings out of an African country, the OTC service ensures you get the best rates and guidance. We support USDT, USDC and can facilitate other major digital assets on request, across major chains.
Collections (Pay-ins): Generate virtual account details or payment links to collect local payments in various African countries. Funds collected via bank transfer or mobile money are automatically converted to stablecoins or credited to your Flincap balance in USD. This is ideal for businesses accepting customer payments or funding their Flincap account from local markets.
Personalized Service: Unlike an open exchange, our OTC gives you direct access to Flincap's trading desk for one-on-one service. Execute large trades with confidentiality and expert assistance. Our team ensures compliance checks are smooth even for large transactions, and that settlement is handled end-to-end (including arranging fiat bank transfers if needed).
Flexible Settlement: The OTC Desk can settle trades in multiple ways – on-platform Flincap balances, on-chain transfers to your own crypto wallet, or wire transfers for fiat. This flexibility is crucial for enterprises dealing with complex treasury operations.
By using Flincap's OTC Desk, businesses avoid moving markets or facing liquidity bottlenecks that can occur on public exchanges. You get the assurance of deep liquidity, quick settlement, and competitive pricing in every large transaction. (To inquire about OTC trades, please contact our team for a custom quote.)
Local Payouts
Flincap Payout solutions enable you to disburse funds in local currencies across Africa, while funding those payouts from a single stablecoin liquidity source. It's a bridge between the crypto world and local banking systems:
Multi-Country Payout Network: Currently supporting payouts to banks and mobile money in Nigeria, Ghana, Kenya, South Africa (with more on the way). Send one bulk instruction or single payout via our dashboard/API, and Flincap will deliver the money to your beneficiary's bank account or mobile wallet in their local currency.
Real-Time or Same-Day Settlement: Thanks to our stablecoin infrastructure, your funds move at the speed of crypto to each target country, where we then utilize local faster payment networks. Recipients can often access the money within minutes of your instruction, or at worst within the same business day – a radical improvement over traditional wire transfers that can take days.
Compliance and Transparency: Every payout complies with local regulations. Flincap conducts KYC on senders and required checks on recipients as needed, ensuring that even though stablecoins are used behind the scenes, the last-mile payout is fully regulated. You can download reports of all transactions for your compliance and accounting
Use Case – Payroll & Vendor Payments: Simplify paying a distributed workforce or multiple vendors. For example, a pan-African company can use Flincap to pay employees in 5 different countries from a single USD stablecoin pool, with each employee receiving local currency without worrying about exchange rates. No more dealing with each country's banking bureaucracy – one integration handles it.
Our Payout product is what turns Flincap into a true global-to-local payments engine. It allows crypto value to seamlessly integrate with real economies, making it highly practical for business operations.
Local Collections (Pay-in)
The counterpart to payouts, Flincap Pay-in enables businesses to collect local currency payments from customers or partners, which are then settled to you in stablecoins or in your Flincap USD wallet balance. Key features:
Virtual Accounts & Payment Methods: Issue local bank account numbers or mobile money references in supported countries for your business. When someone pays that account (e.g. a customer in Kenya sends KES to the local account), Flincap automatically credits your balance with the equivalent stablecoin at the current rate. We handle the FX conversion and crypto issuance behind the scenes.
Hosted Checkout and Payment Links: If you don’t want to integrate APIs, you can use Flincap’s hosted payment page to accept payments. Simply generate a payment link for an invoice or embed our checkout widget in your app. Your payers can then use their preferred local method – bank transfer, mobile money, card – and you’ll receive the value in a stablecoin or in USD credit. This opens your business to customers who want to pay in local currency while you maintain revenues in a stable USD value.
Named accounts: Get dedicated, name bank account numbers for easy identification and trust. When customers pay into your named account, the funds are instantly credited to your Flincap balance.
Reconciliation Tools: Each pay-in transaction is tagged with customer references and metadata you can attach (invoices IDs, customer IDs, etc.), making reconciliation a breeze. Our dashboard provides filtering and reporting so you can match incoming payments with orders or invoices quickly.
Flincap’s Pay-in product essentially gives you a local presence in each market without a local entity. Your customers pay locally, but you receive value globally. By closing the loop with our payout product, you can both collect and disburse funds locally while centralizing treasury in stablecoins – achieving true financial integration across borders.
Frequently Asked Questions
Get to know us better
Have a question that is not answered? You can contact us at [email protected].