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Documentation Index

Fetch the complete documentation index at: https://docs.dubupay.com/llms.txt

Use this file to discover all available pages before exploring further.

Exchange rates represent the current conversion price between Nigerian Naira and stablecoins. Before you create a TEMPORARY virtual account or an NGN payout offramp, you should fetch the latest rate and supply the returned rate_id in your request body to lock in a guaranteed conversion price. Rates are live market quotes with a short validity window — always fetch fresh before use.

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Authentication

All endpoints require either a Bearer token or an API key. 
Authorization: Bearer <access_token>

X-Api-Key: dubu_sk_live_...

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Get exchange rates

GET https://api.dubupay.com/api/v1/payments/rates Returns the current exchange rates for NGN conversions. You can filter by currency pair and side (buy or sell).

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Query parameters

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from
string
Source currency (e.g., NGN).
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to
string
Target currency (e.g., USDT or USDC).
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side
string
Trade direction. Typically buy or sell.

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Response

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data
array
List of rate objects for all available pairs (or the filtered pair if query params are provided).

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Example — fetch all rates

curl "https://api.dubupay.com/api/v1/payments/rates" \
  -H "X-Api-Key: dubu_sk_live_..."

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Example — fetch NGN/USDT rate only

curl "https://api.dubupay.com/api/v1/payments/rates?from=NGN&to=USDT" \
  -H "X-Api-Key: dubu_sk_live_..."

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Example response

{
  "success": true,
  "data": [
    {
      "id": "rate_abc123",
      "pair": "NGN/USDT",
      "rate": "0.00063",
      "side": "buy",
      "expires_at": "2024-01-15T10:35:00.000Z",
      "timestamp": "2024-01-15T10:30:00.000Z"
    },
    {
      "id": "rate_def456",
      "pair": "NGN/USDC",
      "rate": "0.00063",
      "side": "buy",
      "expires_at": "2024-01-15T10:35:00.000Z",
      "timestamp": "2024-01-15T10:30:00.000Z"
    }
  ]
}

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How rates are used

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TEMPORARY onramps — locked rate

When you create a TEMPORARY onramp, you pass the rate_id from this endpoint. The rate is locked for the 25-minute lifetime of the virtual account. If a deposit arrives within the window, the conversion happens at the locked rate — even if the market has moved. 
{
  "type": "TEMPORARY",
  "amount": 50000,
  "rate_id": "rate_abc123",
  "settlement": {
    "mode": "ONCHAIN",
    "asset": "USDT",
    "chain": "TRON",
    "destination_address": "TQn9Y2khEsLJW1ChVWFMSMeRDow5KcbLSE"
  }
}

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PERMANENT onramps — floating rate

PERMANENT onramps do not lock a rate at creation time. Instead, the prevailing market rate at the moment a deposit arrives is used for conversion. This gives customers a reusable account without requiring you to refresh rate IDs.

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NGN payout offramps — locked rate required

When you create an offramp with settlement.mode set to NGN_PAYOUT, you must supply a rate_id. This locks the USDT→NGN rate for the payout so the recipient receives a predictable amount.

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Rate freshness

Rate IDs expire quickly. Always call GET /payments/rates immediately before creating a TEMPORARY onramp or an NGN payout offramp — do not cache rate IDs across sessions or reuse them across multiple requests. Use the expires_at field to confirm the rate is still valid before submitting.