Tsara’s Fiat Infrastructure allows you to manage real-world money (like NGN) with the same simplicity and speed as crypto.
You can create virtual bank accounts, transfer funds, check balances, and track transactions — all via Tsara’s unified API.
Currently, fiat services are available in Nigeria (NGN), with support for EUR, USD, GBP, and KES coming soon.
🚀 Overview
With Tsara’s fiat APIs, you can:
- Create Virtual Bank Accounts — for your business or customers.
- Receive Payments directly into those accounts.
- Transfer Funds to banks or other Tsara accounts.
- View Transactions and track balances in real-time.
- Settle Instantly or T+1 (next day) based on your preference.
💳 Settlement Options & Fees
| Settlement Type | Description | Fee |
|---|---|---|
| Instant | Funds are settled immediately to your account. | 2% |
| T+1 | Funds settle next business day. | 1.5% |
Tsara partners with SafeHaven MFB to power secure and compliant NGN bank operations.
🏦 Current Coverage
| Country | Currency | Status | Partner |
|---|---|---|---|
| Nigeria | NGN | ✅ Live | MFB |
| Kenya | KES | 🔄 Coming Soon | — |
| South Africa | ZAR | 🔄 Coming Soon | — |
| Europe | EUR | 🔄 Coming Soon | — |
| United States | USD | 🔄 Coming Soon | — |
💼 Typical Fiat Flow
1️⃣ Create a Virtual Bank Account → POST /bank-accounts
2️⃣ Customer Deposits Funds → Bank transfer or card top-up.
3️⃣ Webhook Triggered → fiat.received event sent to your system.
4️⃣ Transfer or Withdraw → POST /bank-transfers to move funds.
5️⃣ Track Activity → Retrieve balances and transaction history anytime.
🧾 Example Account Object
{
"id": "bank_123",
"business_id": "biz_456",
"bank_name": "SafeHaven MFB",
"account_number": "1234567890",
"account_name": "Acme Technologies Ltd",
"currency": "NGN",
"settlement_option": "instant",
"status": "active",
"created_at": "2025-10-17T12:00:00Z"
}⚙️ Environment Base URLs
| Environment | Base URL | Description |
|---|---|---|
| Production | https://api.tsara.ng/v1 | Live transactions and settlements. |
| Sandbox | https://sandbox.tsara.ng/v1 | Simulated banking environment for testing. |
💡 Sandbox transactions are simulated but behave just like real ones — perfect for integration testing.
🧠 Best For
- Payment platforms that need both crypto and fiat rails.
- Marketplaces requiring settlements in NGN.
- Businesses automating payouts and reconciliation.
- Fintechs building multi-currency wallets or treasury tools.
🔗 Related Pages
- Bank Accounts — Create and manage virtual bank accounts.
- Bank Transfers — Send money to banks or users.
- Webhooks — Get notified when fiat deposits or transfers occur.