Nomba, the business infrastructure company powering payments, collections, and financial operations for businesses across Nigeria, today announced the launch of its Global Payout API. The product is a single integration that enables cross-border payment operators, remittance platforms, and fintechs to collect funds in naira or stablecoins and disburse to five international markets. The launch directly addresses three structural problems that have historically constrained the growth of cross-border payment businesses built from Nigeria: the dual liquidity trap, manual foreign exchange sourcing, and fragmented compliance across multiple jurisdictions. Building a cross-border payment business from Nigeria has always required solving three operational problems simultaneously. First, operators must source foreign currency manually through OTC markets, often while a customer is actively waiting on the other end of a transaction. Second, capital ends up frozen on both sides at once — naira sitting idle on the collection side, foreign currency reserves held on the payout side, neither pool deployed, both eroding margin. Third, every new corridor an operator wants to enter carries its own regulatory environment: FCA requirements in the UK, SEPA and GDPR obligations in Europe, FINTRAC in Canada, a distinct licensing regime in the DRC, and CBN requirements on the Nigerian origination side underneath it all. The result is that most cross-border businesses in Nigeria operate in one or two markets for years, not because they cannot move the money, but because the compliance overhead of expanding is effectively a company-size decision. Why Nomba’s Global Payout API? Nomba cross-border payout API The Global Payout API is built to collapse all three problems into a single integration. Virtual accounts handle collection directly. The moment funds land — in naira or in USDT/USDC stablecoins — the system converts instantly into the destination currency and initiates disbursement. Operators do not source the foreign currency. They do not hold reserve positions on the payout side. And the compliance requirements for each corridor are embedded at the infrastructure level, so teams can build payment products rather than navigate regulatory environments in parallel. The stablecoin funding path is a notable addition for operators looking to remove naira exposure from their cost base entirely. Businesses that already hold USDT or USDC — through diaspora partnerships, institutional arrangements, or crypto-native payment rails — can fund directly in stablecoins, deploy to any supported corridor, and settle in the destination currency without converting through naira. For operators managing margins in a volatile currency environment, this removes a structural risk that was previously unavoidable at the infrastructure level. “Building cross-border payment products from Nigeria has always meant managing frozen liquidity on two fronts at the same time,” Yinka Adewale, CEO, Nomba, notes. “Operators collect naira, then go source foreign currency, all while their customers are waiting. We built this API to collapse that operational complexity into a single transaction flow — and to give operators who want to remove naira exposure entirely the option to fund in stablecoins. The compliance layer is built in. The corridors are live. Operators can focus on building, not on clearing regulatory hurdles in five different jurisdictions.” The API supports disbursements to the United Kingdom via Faster Payments (up to £1,000,000, settled in 1 to 3 hours), Europe via SEPA (up to €100,000, settled in under 1 hour), Canada via Interac (instant) and bank transfer, and the Democratic Republic of Congo via Mobile Money (instant) and bank transfer. Nigeria is supported as the home-base corridor. A five-minute exchange rate lock guarantees that the rate shown to a customer at initiation is the rate applied at settlement, eliminating slippage and reconciliation disputes. The integration flow is four steps: fetch the live exchange rate, lock it, authorise the transfer with recipient details and the locked rate ID, and track the transaction end-to-end via a single endpoint. The Global Payout API is available now. Documentation is live at developer.nomba.com/docs/products/global-payout/introduction. About Nomba Nomba is the business infrastructure company built for Nigerian businesses — providing the payments, collections, and financial operations layer that serious businesses run on. From point-of-sale hardware and payment processing to business accounts and developer APIs, Nomba builds the infrastructure that lets businesses focus on growth instead of managing financial operations manually. Press enquiries: press@nomba.com Developer documentation: developer.nomba.com