Developers & API

Build instant money experiences
on top of Nixo.

Use Nixo APIs and tools to move money across borders in seconds, design programmable workflows, and ship products your customers actually feel.

REST APIs with clear versioning

Bank-grade security & compliance layers

SDKs for modern stacks

View API docs Launch sandbox Typical setup: under a day

No-code? Low-code? We’ve got guides and patterns too — but this page is for people who speak JSON.

Average latency

< 250ms

From your servers to our API edge.

Historical uptime

99.9%

Measured across core money APIs.

Global reach

180+ countries

Send and receive with one integration.

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            # Create a cross-border payout with Nixo API
          
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            curl -X POST "https://api.nixo.top/v1/payouts" \
          
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              -H "Authorization: Bearer <YOUR_SECRET_KEY>" \
          
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              -H "Content-Type: application/json" \
          
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              -d '{
          
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                "amount": 250.00,
          
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                "currency": "USD",
          
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                "destination_country": "MA",
          
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                "recipient": {
          
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                  "full_name": "Sara Bash",
          
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                  "account_iban": "MA640001234567890123456789"
          
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                },
          
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                "reference": "invoice_9485",
          
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                "metadata": { "source": "web_app" }
          
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              }'

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            // npm install @nixo/finance --save
          
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            import { NixoClient } from '@nixo/finance';
          
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            const nixo = new NixoClient({
          
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              apiKey: process.env.NIXO_SECRET_KEY,
          
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              environment: 'sandbox',
          
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            });
          
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            async function createPayout() {
          
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              const payout = await nixo.payouts.create({
          
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                amount: 250,
          
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                currency: 'USD',
          
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                destinationCountry: 'MA',
          
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                recipient: {
          
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                  fullName: 'Sara Bash',
          
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                  accountIban: 'MA640001234567890123456789',
          
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                },
          
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                reference: 'invoice_9485',
          
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              });
          
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              console.log(payout.status, payout.id);
          
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            }
          
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            createPayout().catch(console.error);

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            # pip install nixo-finance
          
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            from nixo import NixoClient
          
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            client = NixoClient(
          
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                api_key="<YOUR_SECRET_KEY>",
          
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                environment="sandbox",
          
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            )
          
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            payout = client.payouts.create({
          
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                "amount": 250,
          
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                "currency": "USD",
          
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                "destination_country": "MA",
          
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                "recipient": {
          
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                    "full_name": "Sara Bash",
          
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                    "account_iban": "MA640001234567890123456789",
          
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                },
          
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                "reference": "invoice_9485",
          
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            })
          
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            print(payout["status"], payout["id"])

Sandbox mode · Test cards & fake balances only. Switch to live in your dashboard.

APIs for moving, holding, and streaming money.

Start simple with a single payout call, or orchestrate full money journeys with webhooks, KYC signals, and real-time balances.

Payouts API

Send money to bank accounts, wallets, and cards in 180+ countries with transparent FX and predictable delivery times.

Trackable payouts Docs

Accounts & Balances API

Create customer accounts, hold balances in multiple currencies, and reconcile inflows and outflows at ledger level.

Multi-currency ledgers Docs

Webhooks & Events

Subscribe to payout lifecycle events, balance updates, and risk signals — and build your own automations.

At-least-once delivery Docs

Getting started in three steps.

Whether you’re integrating Nixo into an existing stack or launching something new, the flow stays predictable — keys, accounts, and then money flows.

Create a developer account 5 minutes

Wire in authentication & webhooks Under an hour

Call our APIs with your sandbox key, register a webhook URL, and start receiving event payloads for payouts and accounts.

Request production credentials Review

When you’re ready, share your use case, expected volume, and compliance setup. Our team will review, enable live keys, and help you tune the integration.

Safe, fully isolated sandbox.

The Nixo sandbox simulates our production APIs — same endpoints, request shapes, and events, with only the money being fake.

Use test IBANs, phone numbers, and identity details without touching real funds.
Replay events from the dashboard to test edge cases and failure paths.
Lock sandbox keys to IP ranges or environments for extra safety.

Create sandbox account Testing guides

SDKs for stacks your team already uses.

Use our official SDKs for faster integrations, schema-validated requests, and built-in retry logic. Or just call the raw HTTP endpoints — your choice.

Node & TypeScript

Modern, typed client with automatic pagination and retry helpers.

npm: @nixo/finance ESM / CJS

Python

Async & sync clients, perfect for backend services and scripts.

pip: nixo-finance asyncio-ready

PHP

Drop into existing PHP apps with minimal configuration.

Composer support

Laravel helpers

Blade-friendly helpers and config-driven key management.

Queues Webhooks

Tools that ship with the platform.

Nixo is not just an API. It’s a set of tools to debug, observe, and evolve your money flows over time.

Real-time logs: Inspect requests, headers, and responses in your dashboard.
Replay engine: Replay failed webhooks or payout attempts with a click.
Schema explorer: Browse request/response shapes for each endpoint.
Team access: Separate live/sandbox roles and rotate keys safely.

Open developer dashboard

API status & reliability.

We treat the developer experience like product experience. That means transparent uptime, incident reports, and postmortems.

All systems operational

Core APIs · payouts, accounts, webhooks

Regions · EU, MENA, North America

View status page Email developer support

Incident reports are shared publicly with clear timelines, root causes, and prevention actions.

Developer FAQs.

Is there a separate sandbox environment?

Yes. Sandboxes live on separate keys and balance sets. Endpoints are the same, so you can switch environments with configuration only.

Which languages and frameworks do you support?

We maintain first-party SDKs for Node/TypeScript, Python, and PHP, plus guides for Laravel, Next.js, and more. You can also integrate via raw HTTP in any language.

How do you handle security and compliance?

We use TLS everywhere, sign webhooks, rotate keys, and apply strict permissioning. Compliance and licensing depend on the country and partners we work with.

How can I talk to a human about my use case?

Email [email protected] or start from your Nixo dashboard. Tell us about your product, volumes, and timelines — our team will respond with next steps.

Let’s build money that feels instant, not abstract.

Plug into Nixo to focus on your customer experience — while we handle rails, routing, and reliability. One integration, many ways to move value.

Start building with Nixo

Build instant money experienceson top of Nixo.