Buy USDT with NGN

Buy USDT with Naira. You can send the USDT to an external address, or credit your internal USDT wallet. NGN → USDT quotes are valid for 10 minutes.

Choose how you pay and where USDT goes

You want to…	Set these fields
Customer pays from an external NGN bank account	Omit `sourceWallet`. Pay the virtual account on the quote.
Pay from your internal NGN wallet	`"sourceWallet": "NGN"` and `"skipVirtualAccount": true`, then accept the quote
Send USDT to an external address	`"autopayout": true` and a `beneficiary` with `address` + `network`
Credit your internal USDT wallet	`"autopayout": false` (no beneficiary)

paymentCurrency controls what amount means. With "paymentCurrency": "USDTCENT", "10000" is 100 USDT.

Pay from an external bank account

USDT is sent to the beneficiary address after the NGN transfer is received.

curl --request POST \
  --url https://api.mavapay.co/api/v1/quote \
  --header 'Content-Type: application/json' \
  --header 'x-api-key: YOUR_API_KEY' \
  --data '{
    "amount": "10000",
    "sourceCurrency": "NGNKOBO",
    "targetCurrency": "USDTCENT",
    "paymentMethod": "BANKTRANSFER",
    "paymentCurrency": "USDTCENT",
    "autopayout": true,
    "customerReference": "onchain ngn 1",
    "beneficiary": {
      "address": "TR7NHqjeKQxGTCi8q8ZY4pL8ktSzgjLj6t",
      "network": "trc20"
    }
  }'

{
  "status": "ok",
  "data": {
    "id": "c4b76db5-c9f8-452d-b40b-4c1a065190bf",
    "exchangeRate": 82002.94497,
    "usdToTargetCurrencyRate": 1,
    "sourceCurrency": "NGNKOBO",
    "targetCurrency": "USDTCENT",
    "transactionFeesInSourceCurrency": 68525,
    "transactionFeesInTargetCurrency": 50,
    "amountInSourceCurrency": 13910500,
    "amountInTargetCurrency": 10000,
    "paymentMethod": "BANKTRANSFER",
    "expiry": "2026-10-16T02:16:58.104Z",
    "isValid": true,
    "invoice": "",
    "hash": "6ad186c27e7528e98f260f99",
    "totalAmountInSourceCurrency": 13910500,
    "customerInternalFee": 0,
    "customerReference": "onchain ngn 1",
    "invoiceRequired": false,
    "bankName": "WEMA BANK",
    "ngnBankAccountNumber": "7824121093780538",
    "ngnAccountName": "Mava Digital Solutions Limited",
    "ngnBankCode": "000027",
    "estimatedRoutingFee": 100,
    "orderId": "261016-JXEMY-DB30Y"
  }
}

Pay exactly totalAmountInSourceCurrency (kobo) to the virtual account:

Field	Use
`ngnBankAccountNumber`	Account number to pay
`ngnAccountName`	Account name
`bankName`	Bank
`totalAmountInSourceCurrency`	Amount in kobo (`13910500` = ₦139,105.00)
`expiry`	Quote is valid for 10 minutes

When payment is received you get payment.received, then payment.sent when USDT is sent to the beneficiary.

Pay from your internal NGN wallet

If your NGN wallet has enough balance, skip the virtual account and accept the quote.

curl --request POST \
  --url https://api.mavapay.co/api/v1/quote \
  --header 'Content-Type: application/json' \
  --header 'x-api-key: YOUR_API_KEY' \
  --data '{
    "amount": "10000",
    "sourceCurrency": "NGNKOBO",
    "targetCurrency": "USDTCENT",
    "paymentMethod": "BANKTRANSFER",
    "paymentCurrency": "USDTCENT",
    "autopayout": true,
    "sourceWallet": "NGN",
    "skipVirtualAccount": true,
    "customerReference": "internal ngn usdt",
    "beneficiary": {
      "address": "TR7NHqjeKQxGTCi8q8ZY4pL8ktSzgjLj6t",
      "network": "trc20"
    }
  }'

Then accept with sourceWallet: "NGN":

curl --request POST \
  --url https://api.mavapay.co/api/v1/wallet/payout/c4b76db5-c9f8-452d-b40b-4c1a065190bf/accept \
  --header 'Content-Type: application/json' \
  --header 'x-api-key: YOUR_API_KEY' \
  --data '{
    "sourceWallet": "NGN"
  }'

Your NGN wallet is debited immediately. No bank transfer is required.

Credit your internal USDT wallet

Set autopayout to false and omit beneficiary. USDT is credited to your Mavapay USDT wallet instead of an external address.

{
  "amount": "10000",
  "sourceCurrency": "NGNKOBO",
  "targetCurrency": "USDTCENT",
  "paymentMethod": "BANKTRANSFER",
  "paymentCurrency": "USDTCENT",
  "autopayout": false,
  "customerReference": "usdt to wallet"
}

Pay the virtual account (external NGN) or pass sourceWallet: "NGN" + skipVirtualAccount: true and accept (internal NGN).

Beneficiary

Field	Required	Description
`address`	Yes, when `autopayout` is `true`	Destination USDT address
`network`	Yes, when `autopayout` is `true`	`trc20`, `erc20`, `plasma`, `solana`, or `polygon`

The address must match the network. See USDT networks.

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Buy USDT with NGN

Choose how you pay and where USDT goes

Pay from an external bank account

Pay from your internal NGN wallet

Credit your internal USDT wallet

Beneficiary

​Choose how you pay and where USDT goes

​Pay from an external bank account

​Pay from your internal NGN wallet

​Credit your internal USDT wallet

​Beneficiary

​Related

Choose how you pay and where USDT goes

Pay from an external bank account

Pay from your internal NGN wallet

Credit your internal USDT wallet

Beneficiary

Related