Build on Pouchii Infrastructure.
A consolidated API for accounts, payments, and service aggregation, on rails STSL has operated for Nigerian banks since 1992.
API SURFACE
Three categories. One contract.
Endpoints are grouped into the three things product teams actually need: hold money, move money, deliver services.
Accounts
Programmable virtual accounts on CBN-licensed financial institutions, with reconciliation and reporting built in.
- Create virtual account
- List accounts
- Retrieve balance
- Webhook: account credited
Payments
Inter-bank and intra-bank transfers across every Nigerian institution, with signed webhooks for state changes.
- Initiate transfer
- Retrieve transfer status
- List transfers
- Webhook: transfer settled
Service aggregation
Airtime, data, utilities, bills, lending, and insurance behind a single integration.
- Purchase airtime / data
- Pay utility bill
- Quote and bind insurance
- Initiate loan disbursement
EXAMPLE
Create a virtual account.
Authenticated POST against the sandbox. Returns a virtual account ready to receive funds.
curl https://sandbox.pouchii.com/v1/accounts \
-H "Authorization: Bearer $POUCHII_API_KEY" \
-H "Content-Type: application/json" \
-d '{
"customer_reference": "cust_8821",
"name": "Adaeze Okeke",
"bvn": "22212345678"
}'{
"id": "acct_01HFXJ2K8R",
"account_number": "9035124417",
"bank": "Polaris Bank",
"status": "active",
"customer_reference": "cust_8821"
}SANDBOX
Live sandbox, in under a day.
Sandbox credentials are issued inside one business day. No procurement gate to start building. Production credentials follow standard KYB.
INTEGRATION PARTNERS
In production with operators across the stack.
Pouchii powers wallets, lending products, biller flows, and white-label apps for partners across Nigerian fintech and beyond.
- Partner
Polaris
Virtual account issuance and collections at scale.
- Partner
IBILEHUB
Embedded payments inside an SME operating platform.
- Partner
Unicoop
White-label wallet and scheme payouts for cooperative members.
- Partner
NASD
Settlement and beneficiary disbursement for market operations.
REFERENCE
Full docs are coming.
A full developer portal with live API reference and interactive tooling is in build. Until it ships, request the current PDF reference and the team will walk you through it.