Powering Instant FX & Cross-Border Payments Across Africa

Liquidesk is an African FX and payments infrastructure that connects banks, fintechs, remittance companies and OTC desks to deep, real-time liquidity, across key corridors. Plug in once, access multiple rails – PAPSS, local schemes and stablecoins – without stitching 10 different partners together.

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$500M+

Monthly Volume

15+

African Corridors

T+5

Settlement Speed

99.99%

Uptime SLA

Why Liquidesk

One API for Africa

Build money-movers and FX access using a single modern API. Connect to new corridors without re-integrating your stack.

Deep Liquidity

Access aggregated FX liquidity from multiple OTC desks and institutional FX, both competitive rates and deeper into order-book depth, enabling large trades.

Regulated & Compliant

Guarantee conformity with international payment & local regulatory, AML/KYC, sanctions and FATF rules. We help you with every step of your compliance journey.

Infrastructure Under the Hood

Wallet & Ledger

Build money-movers and FX access using ledger for NGN, ZAR, KES, GHS, USD and stablecoins. Track balances, settlements and fees in real-time.

FX Engine

Smart-routing engine that sources the best rates from connected liquidity providers. Supports spot FX, wholesale conversions and quoted hedging.

Payments Orchestrator

One orchestrated API for bank transfers, mobile money, PAPSS payouts and stablecoin rails. Route, settle, deliver and auto-reconcile from a single interface.

Compliance & Risk

AML/KYC, risk scores, sanctions & FATF screening, rule compliance, monitoring. Detailed logs for regulatory audits and internal workflow.

From FX Request to Local Settlement in Seconds

Client Sends Currency

Client initiates a payment to their bank, wallet or MNO/mobile as such type of API.

Best FX Route Selected

Liquidesk's FX engine selects the best FX price and corridors to select the best available rate and route.

Instant Local Settlement (via PAPSS & Local Rails)

Funds are delivered via PAPSS where available, or through connected local schemes and mobile money rails in the destination country.

Confirmation & Reconciliation

You receive instant confirmation, settlement references and individual receipts for post-transaction reconciliation and reporting.

api-request.json

Built for Modern African Money Movers

Remittance Providers

Run real-time corridors from fiat and crypto off-ramps, with competitive FX and aggregated liquidity.

Fintech Payment Apps

Connect to mobile money, cross-border wallets and collections from, and your app with a single API and SDK.

OTC Trading Desks

Automate your FX transfers, execute spot trading and reconcile with real-time reporting and APIs.

Corporate Treasurers

Simplify FX operations for payroll, supplier payments and regional transfers from a single interface.

Connected to Africa and the World

Africa Rails

PAPSS

Pan-African settlement in near real-time.

Local Schemes

NIPSS, NIBSS and other regional schemes.

Mobile Money

M-Pesa, Airtel and other mobile providers in Kenya, Ghana, etc.

Global Rails

FEDWIRE (SWIFT/CHIPS)

USD bank account to bank account.

SWIFT & SEPA Payments

For cross-border payments and banking APIs.

Loved by Developers, Trusted by Compliance

API Documentation API Playground API Reference

GET /v1/payouts

POST /v1/fx/quotes

POST /v1/payouts

Request

Response 200 OK

{
  "quote_id": "qt_abc123xyz",
  "from_currency": "USD",
  "to_currency": "NGN",
  "amount": 1000,
  "rate": 1450.59,
  "fee": 2.50,
  "total": 1453009.00,
  "expires_at": "2025-01-15T10:30:00Z"
}

Authentication

All API requests require authentication using API keys. Include your API key in the request header:

Authorization: Bearer sk_live_abc123xyz...

Base URL

https://api.liquidesk.com

Rate Limits

100 requests per minute for standard accounts
1000 requests per minute for enterprise accounts
Rate limit headers included in all responses

Error Codes

400 Bad Request - Invalid parameters

401 Unauthorized - Invalid API key

429 Too Many Requests - Rate limit exceeded

500 Internal Server Error

Developer-First Experience

REST APIs and language specific SDKs
Reactive webhooks for payouts, FX, settlements and chargebacks
Sandbox environment that mirrors production without risk
Clear examples, Postman collections and technical guides
Dedicated technical support for go-live and certification

Explore APIs

Real-Time African Currency Liquidity

Aggregate FX quotes from multiple OTC desks and institutional FX. Configure your own spread, mark-up and trading rules. Get visibility into depth, slippage and execution quality per corridor.

PAIR	BID	ASK
NGN/USD	1,450.59	1,451.20
NGN/GBP	1,820.00	1,821.50
NGN/EUR	1,580.30	1,581.80
NGN/CAD	1,065.40	1,066.90
KES/USD	142.29	142.85
NGN/USD	1,448.30	1,449.80
NGN/GBP	1,818.50	1,820.20
NGN/EUR	1,578.90	1,580.50
NGN/CAD	1,063.80	1,065.40
KES/USD	141.95	142.50

Security & Compliance by Design

AML + KYC

Integrate identity checks for individuals and businesses.

PEP & Sanctions Screening

Continuous screening against global watchlists.

Data Encryption

Encryption to secure your data, using modern standards.

Role-Based Permissions

Fine-grained access control to data and operations.

Ledger Auditability

Immutable, cryptographically signed ledger for all transactions.

ISO 27001 Alignment

Data protection, privacy with GDPR and modern payment security.

Roadmap for a Connected African FX Stack

Indirect PAPSS Connectivity

Providing intermediary services for non-PAPSS participants and extended rails.

Multi-Corridor Expansion

New fiat/crypto corridors, stablecoin routes and exchange schemes.

Liquidity Marketplace

Build a marketplace where OTC desks can provide and consume liquidity.

Direct PAPSS Participant

Become a direct participant to access real-time settlement and inter-bank.