Fiat Payout API: Add and Manage Nigerian Bank Accounts

The Fiat Payout API lets you manage the Nigerian bank accounts that Strails pays out to when you or your end-users perform an offramp. Before you can call /initiateofframp or /cngnofframp, you need at least one verified bank account on file. Accounts are automatically validated against live bank records at the time of addition - you cannot add an account whose number does not match the account name at the issuing bank.

Endpoints Overview

Section	Endpoint	Method	Description
Retrieve Supported Banks	`/getbankscode`	POST	Get a list of all supported Nigerian banks with their NIBSS codes
Add a Bank Account	`/addbankaccount`	POST	Add and verify a new Nigerian bank account for payout
Update a Bank Account	`/updatebankaccount`	PUT	Update the label or default status of a bank account
Delete a Bank Account	`/deletebankaccount`	DELETE	Remove a bank account from your fintech configuration
Retrieve a Single Bank Account	`/getbankaccounts`	GET	Retrieve details of a single bank account by ID
Retrieve All Bank Accounts	`/listbankaccounts`	GET	Retrieve all bank accounts configured on your fintech account

Retrieve Supported Banks

POST /getbankscode Returns the full list of Nigerian banks currently supported for payout, along with their NIBSS bank codes. Use these bankCode values when calling /addbankaccount or /cngnofframp.

curl --request POST \
  --url "https://api.strails.io/v1/getbankscode" \
  --header "x-api-key: YOUR_API_KEY"

This endpoint requires no request body.

object

Show data fields

string

ISO 3166-1 alpha-2 country code (always NG for Nigeria).

array

Array of bank objects. Each entry contains:

bank_name - full registered name of the bank
bank_code - NIBSS bank identifier code

Response

{
  "status": "Success",
  "response_code": "00",
  "message": "Banks retrieved successfully",
  "data": {
    "countryCode": "NG",
    "banks": [
      { "bank_name": "AB MICROFINANCE BANK", "bank_code": "090270" },
      { "bank_name": "ACCESS BANK", "bank_code": "044" },
      { "bank_name": "GUARANTY TRUST BANK", "bank_code": "058" },
      { "bank_name": "HACKMAN MICROFINANCE BANK", "bank_code": "090147" },
      { "bank_name": "UNITED BANK FOR AFRICA", "bank_code": "000004" }
    ]
  }
}

Add a Bank Account

POST /addbankaccount Adds a Nigerian bank account to your fintech configuration and immediately verifies it against bank records. The account is only activated if the account number is valid and the account name resolves correctly at the bank.

Accounts are automatically verified against live bank records before activation. Verification is synchronous - the response includes the resolved verifiedAccountName and isValidated flag.

curl --request POST \
  --url "https://api.strails.io/v1/addbankaccount" \
  --header "x-api-key: YOUR_API_KEY" \
  --header "Content-Type: application/json" \
  --data '{
    "accountNumber": "1234567890",
    "bankCode": "044",
    "isDefault": false
  }'

string

required

The 10-digit Nigerian bank account number.

string

required

The NIBSS bank identifier code (e.g. 044 for Access Bank). Use /getbankscode to look up the correct code.

boolean

When true, this account becomes the default payout destination. Defaults to false.

object

Show data fields

string

UUID of the newly created bank account record. Use this value as the account identifier in subsequent calls.

string

Account holder name resolved from the bank’s records during verification.

string

The account number that was registered.

string

Full name of the bank.

string

NIBSS bank code of the bank.

boolean

Whether the account passed live bank verification.

Response

{
  "status": "Success",
  "response_code": "00",
  "message": "Bank account added and verified successfully",
  "data": {
    "accountId": "uuid-account-id",
    "verifiedAccountName": "JOHN DOE",
    "accountNumber": "1234567890",
    "bankName": "Access Bank",
    "bankCode": "044",
    "isValidated": true,
    "message": "Bank account added successfully"
  }
}

Error responses

Validation error

{
  "status": "Error",
  "response_code": "01",
  "message": "Validation error",
  "error": "Account number must be 10 digits"
}

Verification failed

{
  "status": "Error",
  "response_code": "01",
  "message": "Bank account verification failed",
  "error": "Account name does not match or account is invalid"
}

Update a Bank Account

PUT /updatebankaccount Updates the label or default status of an existing bank account. You cannot change the account number or bank code - delete the account and add a new one instead.

curl --request PUT \
  --url "https://api.strails.io/v1/updatebankaccount" \
  --header "x-api-key: YOUR_API_KEY" \
  --header "Content-Type: application/json" \
  --data '{
    "accountId": "uuid-account-id",
    "isDefault": true
  }'

string

required

UUID of the bank account to update, as returned by /addbankaccount.

boolean

When true, sets this account as the default payout destination.

Response

{
  "status": "Success",
  "response_code": "00",
  "message": "Bank account updated successfully"
}

Error response

Account not found

{
  "status": "Error",
  "response_code": "02",
  "message": "Bank account not found",
  "error": "No bank account found with the provided accountId"
}

Delete a Bank Account

DELETE /deletebankaccount Permanently removes a bank account from your fintech configuration. This action cannot be undone.

Bank accounts with pending offramp transactions cannot be deleted. Wait for all in-progress transactions to settle before attempting deletion.

curl --request DELETE \
  --url "https://api.strails.io/v1/deletebankaccount?accountId=uuid-account-id" \
  --header "x-api-key: YOUR_API_KEY"

string

required

UUID of the bank account to delete, as returned by /addbankaccount.

Response

{
  "status": "Success",
  "response_code": "00",
  "message": "Bank account deleted successfully"
}

Error response

Pending transactions

{
  "status": "Error",
  "response_code": "01",
  "message": "Cannot delete account with pending offramp transactions",
  "error": "PENDING_TRANSACTIONS"
}

Retrieve a Single Bank Account

GET /getbankaccounts Returns the details of a single bank account by its UUID.

curl --request GET \
  --url "https://api.strails.io/v1/getbankaccounts?accountId=uuid-account-id" \
  --header "x-api-key: YOUR_API_KEY"

string

required

UUID of the bank account to retrieve, as returned by /addbankaccount.

object

Show data fields

array

Array containing the single matched account. Each entry includes:

accountId - UUID of the account
fintechId - UUID of your fintech
accountName - verified account holder name
accountNumber - bank account number
bankName - full bank name
bankCode - NIBSS bank code
isDefault - whether this is the default payout account
isValidated - whether the account passed bank verification
validationDetails.validatedAt - ISO 8601 timestamp of verification
validationDetails.accountNameMatch - whether the name matched during verification
createdAt and updatedAt - ISO 8601 timestamps

Response

{
  "status": "Success",
  "response_code": "00",
  "message": "Bank accounts retrieved successfully",
  "data": {
    "accounts": [
      {
        "accountId": "account-uuid",
        "fintechId": "fintech-uuid",
        "accountName": "JOHN DOE",
        "accountNumber": "1234567890",
        "bankName": "Access Bank",
        "bankCode": "044",
        "isDefault": true,
        "isValidated": true,
        "validationDetails": {
          "validatedAt": "2026-02-04T10:30:00.000Z",
          "accountNameMatch": true
        },
        "createdAt": "2026-02-04T10:30:00.000Z",
        "updatedAt": "2026-02-04T10:30:00.000Z"
      }
    ]
  }
}

Retrieve All Bank Accounts

GET /listbankaccounts Returns all bank accounts configured on your fintech account, along with a summary of the current default account.

curl --request GET \
  --url "https://api.strails.io/v1/listbankaccounts" \
  --header "x-api-key: YOUR_API_KEY"

This endpoint requires no query parameters.

object

Show data fields

array

Full list of bank account objects. Each entry has the same shape as the single-account response above.

number

Total number of configured bank accounts.

object

Summary of the account currently marked as default, including accountId, accountName, accountNumber, bankName, and bankCode.

Response

{
  "status": "Success",
  "response_code": "00",
  "message": "Bank accounts retrieved successfully",
  "data": {
    "accounts": [
      {
        "accountId": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
        "fintechId": "fintech-uuid",
        "accountName": "JOHN DOE",
        "accountNumber": "1234567890",
        "bankName": "Access Bank",
        "bankCode": "044",
        "isDefault": true,
        "isValidated": true,
        "validationDetails": {
          "validatedAt": "2026-04-27T08:32:24.917Z",
          "accountNameMatch": true
        },
        "createdAt": "2026-02-04T10:30:00.000Z",
        "updatedAt": "2026-02-04T10:30:00.000Z"
      },
      {
        "accountId": "b2c3d4e5-f6a7-8901-bcde-f12345678901",
        "fintechId": "fintech-uuid",
        "accountName": "JOHN DOE ENTERPRISES",
        "accountNumber": "9876543210",
        "bankName": "GTBank",
        "bankCode": "058",
        "isDefault": false,
        "isValidated": true,
        "validationDetails": {
          "validatedAt": "2026-04-27T08:32:24.917Z",
          "accountNameMatch": true
        },
        "createdAt": "2026-02-03T08:00:00.000Z",
        "updatedAt": "2026-02-03T08:00:00.000Z"
      }
    ],
    "total": 2,
    "defaultAccount": {
      "accountId": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
      "accountName": "JOHN DOE",
      "accountNumber": "1234567890",
      "bankName": "Access Bank",
      "bankCode": "044"
    }
  }
}

Overview

Core APIs

FX & Trading

Configuration

Fiat Payout API: Add and Manage Nigerian Bank Accounts

Endpoints Overview

Retrieve Supported Banks

Add a Bank Account

Update a Bank Account

Delete a Bank Account

Retrieve a Single Bank Account

Retrieve All Bank Accounts

​Endpoints Overview

​Retrieve Supported Banks

​Add a Bank Account

​Update a Bank Account

​Delete a Bank Account

​Retrieve a Single Bank Account

​Retrieve All Bank Accounts

Endpoints Overview

Retrieve Supported Banks

Add a Bank Account

Update a Bank Account

Delete a Bank Account

Retrieve a Single Bank Account

Retrieve All Bank Accounts