Use case

Crypto to fiat, and back again

Pay out from Bitcoin over Lightning or USDT straight into local bank accounts and mobile money wallets in about a minute — or move the other way.

0.8%

Fees starting at

~1 min

Typical settlement

$0

Float required

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What makes crypto-to-fiat payouts difficult?

Turning digital assets into money someone can spend locally, or the reverse, is where most businesses get stuck. Holding the assets is the straightforward part. The bridge between a crypto balance and a bank account or mobile money wallet is usually a patchwork of exchanges, over-the-counter desks and manual settlement.

That patchwork is slow, hard to reconcile, and tends to break exactly where volumes are largest. It also puts the business in the position of managing crypto operations that are not its actual product.

Djingr runs both directions across the same corridors: Bitcoin over Lightning and USDT in and out of ZAR, NGN, KES, GBP and EUR, settling in about a minute. There is no exchange account to maintain and no fiat parked in the destination market waiting to be drawn down. Fees start at 0.8% and vary by route, with no platform fees and no monthly minimums.

Bitcoin and USDT balances feeding a single converter, with the money coming out the other side as euros, pounds, naira, rand and Kenyan shillings.

Both directions

What the routes look like

All of it through the same integration and the same pricing.

Crypto to fiat

Send from Bitcoin over Lightning or USDT directly to a local bank account or mobile money wallet in a supported market.

Fiat to crypto

Move the other way, from local currency into Bitcoin or USDT, on the same corridors.

Fiat to fiat

The same rails also move fiat to fiat, with the crypto leg kept entirely internal on those routes.

How do you pay out from a crypto balance?

If your treasury sits in Bitcoin or USDT, paying a supplier, a contractor or a withdrawal request usually means selling on an exchange first, waiting for the fiat to clear, then making a separate transfer. Three steps, each with its own delay and its own way of going wrong.

Djingr collapses that into one. Send from Bitcoin over Lightning or from USDT, and the recipient is paid in ZAR, NGN, KES, GBP or EUR, into a local bank account or mobile money wallet, in about a minute. There is no exchange leg for you to run and no fiat float to keep in the destination market.

The same corridors run in reverse, from local currency into Bitcoin or USDT, and fiat to fiat as well — but the common case is simply getting crypto out to a bank account without a detour.

Two routes out of the same crypto balance: one slowed and weakened through three intermediaries, the other running straight to cash and a phone with nothing in the way.

Integration

Build it into your own product

If your product needs crypto-to-fiat conversion on demand rather than as a manual task, the same corridors are available programmatically through the Cross-Border Payments API.

One integration, every corridor

The same API covers every route, so adding a destination market is a configuration change rather than a new integration project.

No exchange leg to run

Send from Bitcoin over Lightning or from USDT and the recipient is paid in local currency. Your product never has to operate an exchange account or hold fiat in the destination market.

Documentation on request

Integration support comes directly from our team, scoped to the corridors and volumes you need. Request API documentation.

FAQ

Common questions

Which assets are supported?

Bitcoin over the Lightning Network and USDT (ERC20), alongside ZAR, NGN, KES, GBP and EUR.

Can funds go straight to mobile money?

Yes. Payouts can be delivered to local bank accounts or mobile money wallets in supported markets.

Does it work in both directions?

Yes. The same corridors move crypto to fiat and fiat to crypto, as well as fiat to fiat with the crypto leg kept entirely internal.

Do our customers have to hold crypto?

Only if you want them to. Bitcoin and USDT are fully supported for funding and payouts, so customers who hold crypto can use it directly. On fiat-to-fiat routes the Lightning leg stays internal instead.

How fast does it settle?

Bitcoin over Lightning settles in under a minute, and USDT corridors in around a minute.