What is the API?

Overview

Wirex Pay Partner API is a turnkey embedded-finance platform that enables you to issue non-custodial crypto cards, create smart accounts, and move value on-chain—all within your existing product. Partners maintain full UX control while Wirex Pay handles the technical heavy lifting: smart wallet infrastructure, card lifecycle management, KYC integration, compliance audit trails, and settlement. In short, you focus on delivering value to users; we provide the secure, scalable, and regulation-ready rails.

Key Benefits

Benefit	Why it matters
Non-custodial by design	Eliminates pooled-fund risk—each user controls an ERC-4337 wallet, improving security and regulatory posture.
Plastic and virtual cards	Manage the full card lifecycle (issue, activate, block, re-issue) through a single API, accelerating time-to-market.
Crypto-backed accounts with SEPA support	Seamlessly bridge on-chain assets and fiat: users can send/receive EUR via SEPA and convert to stablecoins on demand.
Embedded KYC/KYT	Plug-and-play compliance flows or drop your own provider; every action is logged for full traceability.
Real-time balances & gas estimator	Fetch accurate wallet balances and gas quotes before transacting, reducing failed or expensive transactions.
Battle-tested authentication	Short-lived Wirex Pay tokens or partner-issued JWTs with optional IP pinning and replay protection secure every call.
Immutable compliance audit trail	Critical calls are hashed to an append-only log (optionally anchored on-chain) for tamper-proof evidence.

How It Works

1. Smart Wallet Architecture (ERC‑4337 Account Abstraction)

We provide the tools and standards for partners to easily create and utilize Account Abstraction wallets. Partners can deploy these smart accounts on any supported EVM-compatible chain. Once deployed, the wallets operate autonomously via smart contracts and can enforce programmable spending rules (e.g., daily limits, app restrictions). Users maintain full ownership and recoverability independent of the partner integration or Wirex Pay.

2. Modular Embedded Finance Components

The API is structured around three domains:

Users – Create, verify, KYC, link identifiers (email/phone), and fetch status.
Wallets & Payments – List wallets, fetch balances, estimate gas fees, send/receive tokens, and sweep to merchant accounts.
Cards – Generate PANs, issue and activate cards, block or close them, and receive granular transaction webhooks (e.g., purchase, top-up, fee, reversal). Each domain provides RESTful endpoints returning consistent JSON schemas with OpenAPI 3.1 support.

3) Flexible Authentication Options

Public endpoints – For metadata and configuration, no auth required.
Partner JWT (Auth0) – Ideal for backend-to-backend communication.
Wirex Pay Token – Signed and short-lived (default: 5 minutes), generated via /auth/token. Tokens include scoped aud claims for enhanced security.

4. Built-in Compliance & Auditability

All critical API calls are logged to an append-only audit ledger. Optionally, a hashed digest is posted to a Layer 2 blockchain to provide immutable, timestamped proof without exposing sensitive business data. Anti-money-laundering (KYT) screening can be activated per transaction or globally by partner configuration.

Common Use Cases

Crypto-backed spending cards – Let users spend USDT, ETH, or any ERC‑20 token at point-of-sale, while you benefit from FX spread and card interchange.
B2B expenses & payroll – Issue multi-currency cards with custom on-chain allowances for contractors or employees; automate fund sweeps.
Creator & gaming payouts – Enable instant streaming of micropayments to AA wallets, and let users off-ramp using a virtual card.
Regulatory-light expansion – Expand into new regions without handling client funds; Wirex Pay acts as the issuer of record.