What is Treasury?
Axra Treasury is a Banking-as-a-Service (BaaS) API that lets fintechs build banking products for their users. You manage the product experience — Axra handles KYC, wallets, payouts, and compliance.How it works
1
Sign up as a partner
Self-service sandbox signup — get
sk_test_* and pk_test_* keys immediately. No human approval needed for test mode.2
Create end-users
Create user accounts for your customers via the API. Each user gets KYC verification through our compliance pipeline.
3
Provision wallets
Create multi-currency wallets (USDC, NGN, EUR, etc.) for your users. Each wallet supports deposits via bank transfer, crypto, or mobile money.
4
Process payouts
Initiate payouts to bank accounts, mobile money, or crypto addresses. Axra routes to the optimal rail automatically.
Key concepts
Partner isolation
Every API call is scoped to your partner. You cannot see or access another partner’s end-users, wallets, or payouts. This is enforced at the database level.Sandbox
Test mode is fully functional without touching real payment rails:- KYC fixtures for instant approve/reject
- Sandbox wallet credits (no real deposits needed)
- Payout simulation with configurable outcomes
- Webhook events fire to your registered endpoints