Overview

Introduction

Due provides modern (borderless) payment infrastructure for global businesses and fintechs. Our APIs make it simple to move money across borders, connect traditional finance with blockchain networks, and accept payments in both fiat and digital assets — all through a unified interface.

With Due, businesses can expand into new markets, access global payment networks, and benefit from faster, more cost-effective transfers and settlements.

Accounts API

The Accounts API is the foundation of the Due platform. It allows platforms and developers to register and manage their end-user accounts — whether businesses or individuals — and streamline onboarding through automated KYC/KYB workflows.

You can create accounts, generate onboarding links, or securely share verified identity data directly via API. Once verified, these accounts can seamlessly send, receive, hold, and convert assets through other Due APIs.

Key capabilities

Register client accounts (individuals or businesses)
Generate hosted KYC/KYB verification links
Submit and verify identity data directly via API
Retrieve account status, verification outcomes, and limits
Attach wallets, virtual accounts, and payment methods post-approval

Example use cases

A fintech registers new customers via embedded onboarding
A marketplace automates business onboarding and connects each merchant to a dedicated wallet
A PSP verifies users via API and issues local/virtual accounts automatically

Transfers API

The Transfers API powers cross-border payments and asset transfers — bridging blockchain networks with local payment systems in 80 + countries and supporting SWIFT USD/EUR/GBP payments in 150 + jurisdictions.

Developers can move between fiat and stablecoins (USDC, EURC, USDT), transfer across networks, or settle local payments directly into digital assets — all through a single endpoint.

Supported payment methods include:

Bank transfers (ACH, SEPA, FPS, SPEI, and more)
Crypto rails / Stablecoins (USDC, USDT, ETH, etc. across multiple networks)
International wires (SWIFT)
Mobile money (e.g., M-Pesa)
QR code payments (e.g. PIX, InstaPay)
Coming soon: Cards, Open-banking and Wallets (e.g. AliPay)

Example use cases:

Receive NGN via bank transfer → Settle in USDC on Base (Fiat Pay-In → Stablecoin)
Send USDC on Polygon → USD in a bank account via ACH (Stablecoin → Fiat Payout)
Transfer USDC from Arbitrum → USDC on Starknet (Cross-Chain Transfer)
Send MXN via SPEI → Receive GBP via Faster Payments (Cross-border FX)
Swap EURC → USDC in your wallet (Digital Assset Exchange)

Virtual Accounts — programmable collection infrastructure

Virtual Accounts are one of Due’s core primitives. They enable developers to programmatically generate static payment details (for fiat or stablecoin rails) that act as persistent deposit endpoints for end-users, merchants, or businesses.

Every time funds hit a Virtual Account, Due can automatically route, convert, and settle those funds into any target currency or rail — local, international, or on-chain.

This means each account functions as a programmable collection wallet that can execute logic such as FX conversion, on-chain minting, stablecoin settlement, or payout orchestration — instantly and without manual reconciliation.

Example flows:

Issue virtual IBANs to collect EUR → Auto-settle into a USDC wallet (Virtual Accounts)
Issue virtual stablecoin wallets to collect USDC/ USDT → Auto-settle into BRL PIX ( Liquidation address / reverse Virtual Accounts)

FX API

The FX API gives you public access to Due’s live pricing engine — letting you discover available currency pairs, check real-time exchange rates and spreads, estimate conversions, and retrieve historical price data. It's ideal for surfacing transparent pricing to your users, building internal tools, or powering analytics.

What you can do:

Get real-time FX rates and spreads for fiat ↔️ stablecoin and fiat ↔️ fiat pairs
Fetch indicative quotes for approximate conversions
Access historical price data
Explore all supported FX markets via public endpoints
No authentication required for read-only access

Example use cases:

Show your users an indicative “you send / you receive” quote at checkout
Monitor spreads between USDC and local currencies
Backtest conversion strategies using historical FX pricing
Integrate pricing into dashboards or analytics pipelines

Vault API

The Vault API gives developers the tools to programmatically create and manage wallets, signers, and credentials for end-clients — all through a secure, non-custodial architecture powered by MPC (Multi-Party Computation) technology provided by DFNS.

MPC wallets can be created and managed across major EVM blockchains — Ethereum, Arbitrum, Optimism, Base, Polygon, and Avalanche — with Starknet and Solana support coming soon.

What you can do:

Create signers and credentials — generate secure key shares for end-clients. Due never has access to private keys or signing material.
Deploy MPC wallets across supported blockchains and attach them to client accounts.
Enable secure transaction signing — authorize arbitrary on-chain actions (transfers, swaps, bridges, or smart-contract interactions).
Set up recovery and back-up keys to ensure business continuity.
Retrieve real-time balances across currencies, assets, and networks.
Track inflows and outflows (deposits, withdrawals, transfers) for any wallet.

Example use cases:

Provision USDC wallets for clients to collect deposits from external wallets or settle funds from Virtual Accounts.
Use USDC / EURC / USDT wallet balances as virtual client balances or treasury
Execute on-chain transfers or cross-chain bridges directly via API.
Power embedded wallets within your product without handling private keys.

Developers can also bring their own wallet infrastructure using Fireblocks, Privy, Crossmint, or Turnkey — enabling seamless interoperability across existing user wallet solutions.

Why use Due?

🌍 One API. Global Coverage. Access local payment rails in 80+ countries and SWIFT in over 150+ countries— no need to integrate multiple providers.

💸 Lower FX & Transfer Costs Save 5–10x on international payment fees compared to traditional wire systems.

⚡ Instant Settlement Enjoy real-time conversions and payments with stablecoins and select local methods. See supported rails →

📉 Transparent FX Rates No hidden fees or unfair spreads. Just competitive, real-time pricing.

How to get in touch?

Interested in integrating Due or exploring a partnership? Contact us at [email protected] — we'd love to chat.