⚡ Powered by the Lightning Network

Cross-border payments
without banking delays or high fees.

One API to collect locally, move funds across borders on Lightning rails, and pay out in minutes, not days.

~1 min Settlement
0.8% Starting Fee
$0 Float Required
Book a Demo

Supported regions

Djingr allows the settlement of funds between the following regions.

South Africa flag ZAR South Africa
Nigeria flag NGN Nigeria
Kenya flag KES Kenya
United Kingdom flag GBP United Kingdom
European Union flag EUR Europe
Tether logo USDT Tether
Bitcoin Lightning Network BTC Lightning
Brazil flag Soon Brazil
United States flag Soon United States
Malawi flag Soon Malawi
Zimbabwe flag Soon Zimbabwe

Live South Africa, Nigeria, Kenya, United Kingdom, Europe, Tether, Lightning

Coming soon Brazil, United States, Malawi, Zimbabwe

How it works

Behind the scenes of every transaction

From API call to local settlement in seconds.

Single API Integration

Connect through one secure, unified API.

Fiat-to-Fiat Conversion

The default flow: send one fiat currency to another instantly over the Bitcoin Lightning Network, with neither side interacting with crypto.

Instant Local Settlement

Funds are deposited into local accounts.

Real-time
Processing
99.9%
Uptime
24/7
Settlement
Features

Powerful Features for Global Payments

Tailored solutions built on the Bitcoin Lightning network to simplify cross-border remittances.

Instant Settlements

Real-time international transfers with zero prepayment needed.

Versatile Infrastructure

Deliver funds to bank accounts or mobile money wallets across Africa.

Empowers Businesses

Enable faster, cheaper and better payments for your business. See the business cross-border payments platform.

Whitelabel & No-Code

Launch branded services easily, without developers. See the whitelabel payments platform.

Unified API Integration

Quickly connect your systems via one powerful API. See the cross-border payments API.

Compliance & Security

Fully compliant infrastructure for high volume and value transactions.

Benefits

Unlock Faster, Cheaper, and More Reliable Global Transfers

Experience the benefits of Lightning-powered remittances without the complexity of crypto.

Fast & Scalable

Process high-volume, low-cost transactions instantly without traditional banking delays or bottlenecks.

Operational Efficiency

Reduce fees, avoid intermediaries, and eliminate the need for pre-funded float accounts.

Tailored for Institutions

Built for remittance firms, businesses and institutions needing instant, efficient, and compliant cross-border payment rails.

User-Friendly API

Integrate global settlement infrastructure without exposing customers to crypto or Bitcoin complexity.

Secure & Compliant

Compliant with local regulations for use by licensed institutions with industry-leading security standards.

Expert Team

Industry veterans in Bitcoin, payments, and banking infrastructure deliver deep domain expertise.

Whitelabel & No-Code Ready

Whitelabel web app available for no-code deployment, vastly increasing speed to market.

Use Cases

Real-World Applications

See how businesses use Djingr to streamline cross-border payments and unlock new markets.

Fintechs
Exporters
Travel
Payroll
Bitcoin to Fiat

Enable Cross-Border Payments in Your App

Fintech platforms can integrate Djingr to offer users fast, compliant international money transfers with instant settlement into local bank accounts. Whether you're building a wallet, neobank, or B2B finance tool, Djingr gives you the infrastructure to move funds globally without pre-funded accounts or complex bank relationships.

Read more about cross-border payments for fintechs.

Fintechs using Djingr for cross-border payments

Get Paid Faster by International Buyers

Export companies can receive payments directly into their corporate bank accounts - instantly and with full traceability. Djingr helps businesses simplify international trade by eliminating settlement delays and reducing operational overhead around cross-border receivables.

Read more about international payments for exporters.

Exporters receiving international payments

Accept Global Bookings with Local Settlement

Travel agencies, tour operators, and hospitality businesses can use Djingr to accept cross-border payments from customers and settle funds locally in real time. This enables smoother booking experiences for international travelers while giving providers faster access to working capital.

Read more about travel and hospitality payments.

Travel and hospitality payments with Djingr

Pay Remote Teams and Freelancers Instantly

Companies with distributed teams or international contractors can use Djingr to send salaries and payouts directly to local bank accounts. Whether you're paying employees in other countries or working with global service providers, Djingr enables fast, reliable, and compliant payroll flows.

Read more about cross-border payroll.

Payroll and payouts for remote teams

Crypto to Fiat / Fiat to Crypto

Crypto-native platforms can use Djingr to bridge the gap between fiat and crypto. Enable your users to move funds seamlessly from crypto to fiat or vice versa. Send from Bitcoin or USDT directly to local bank or mobile money accounts. Djingr also supports Lightning Network integration, allowing you to build or enhance crypto-native functionality with real-time settlement infrastructure. Ideal for wallets, payment apps, and Lightning-first businesses.

Read more about crypto to fiat payments.

Bitcoin to fiat flows powered by Djingr
Transparent Pricing

Pricing

Competitive rates with industry leading settlement times.

0.8% Fee starting at

Fees vary by route, contact our sales team for more detail

$0 Platform Fees

No monthly minimums. No hidden costs.

~1 min Settlement

Real-time settlement via Lightning Network.

Origin Currency Fees (destination dependent) Settlement Time
BTC (Lightning) 0.5% - 1% <1 min
NGN 1.3% - 1.8% 1 min
KES 1.3% - 1.5% 1 min
Euro 1.1% - 1.6% <5 min
GBP 1.1% - 1.6% <5 min
USDT 1.1% - 1.6% 1 min
ZAR 0.75% - 1.25% 1 min
Why Choose Us?

Why Financial Institutions Choose Us

Purpose-built for speed, compliance, and cost-efficiency in cross-border settlements.

No Pre-Funding Needed

Free up working capital by settling transactions instantly - no float or liquidity lockups required.

One API, Global Access

Bridge banking, mobile money, and Bitcoin Lightning through a single, seamless integration.

Built on Bitcoin. Powered by Lightning.

Institutions trust Bitcoin for its security and decentralisation - and Lightning for delivering instant, scalable payments on top of it.

0.8%
Fee starting at
~1 min
Settlement Time
0
Float Required

Get in Touch

Have questions about Djingr? Want to schedule a demo? We'd love to hear from you.

Our Clients
Kotani Pay
FinexMoney
Mavapay
Swoop
Yolat
Yiksi
FinexMoney
Mavapay
Kotani Pay
FinexMoney
Mavapay
Blog

Latest Insights on Cross-Border Payments

Expert perspectives on Bitcoin Lightning, remittances, and the future of global payments.

Djingr adds Brazilian Real to cross-border payments network
Corridors

Djingr Adds Brazilian Real: South America's Largest Economy Now on the Network

Brazil moves billions across borders every year, but cost and speed remain the problem. Djingr now supports Brazilian Real as a send and receive currency, connecting BRL to ZAR, NGN, KES, GBP, EUR and USDT through a single API.

USDT Bidirectional Stablecoin Flows
Stablecoins

Djingr Introduces USDT: Bidirectional Stablecoin Flows Across All Corridors

Three years ago, USDT was a trading instrument. Today it is how a growing number of African businesses and individuals hold dollars, settle invoices, and receive payments from abroad. Djingr now supports bidirectional USDT flows alongside all existing rails.

Djingr Network Expansion
Payments

Redefining Cross-Border Payments: Why We Just Expanded the Djingr Network

We've expanded our global payment infrastructure with bi-directional coverage across KES, USDT (ERC20), EUR, and GBP. One integration, competitive pricing from ~1.10%, and near real-time settlement across every corridor.

CFOs trading legacy rails for Lightning Protocol
Treasury

Ditching the Drag: Why CFOs Are Trading Legacy Rails for Lightning Protocol

Legacy correspondent banking costs African trade 7-20% of transaction values and locks capital for days. Learn why forward-thinking CFOs are moving to the Bitcoin Lightning Network to achieve instant finality and near-zero transaction friction.

Lightning Network article illustration
Lightning Network

How Bitcoin Lightning Network Enables Instant Cross-Border Payments

Discover how the Lightning Network revolutionizes international money transfers by enabling instant settlements, eliminating intermediaries, and reducing fees to near zero. Learn why financial institutions are adopting this technology.

African remittances and mobile money
Remittances

The Future of African Remittances: Mobile Money Meets Bitcoin

Kenya's M-Pesa has 53 million users and processes billions in remittances. Djingr connects its Lightning Network corridors directly to M-Pesa wallets for instant, low-cost transfers.

View all articles →

Frequently Asked Questions

What is Djingr?
Djingr is a B2B payments platform that uses Bitcoin and the Lightning Network to power instant, low-cost cross-border transactions.
Do I need to hold Bitcoin to use Djingr?
No. The default flow is fiat in, fiat out, with Bitcoin and the Lightning Network as the settlement rails underneath and nothing on your side to hold or handle. That is a default rather than a limit: you or your end users can fund or receive payments in Bitcoin or USDT if you prefer.
Can we fund or receive payments in Bitcoin or USDT?
Yes. Bitcoin over the Lightning Network and USDT (ERC20) are both priced origin currencies, and USDT payouts are live. It is optional: on fiat-to-fiat routes the crypto leg stays entirely internal and neither you nor your end users touch it.
How long do transactions take?
Most transactions settle in around one minute, with EUR and GBP corridors settling within five minutes - compared to the days a traditional bank transfer can take.
Is Djingr compliant with financial regulations?
Yes, Djingr is built with compliance in mind and adheres to local financial regulations for licensed institutions.
How do I integrate Djingr into my business?
Integration is straightforward through our unified API. Our team provides comprehensive documentation and support throughout the process.
Do you offer API and Whitelabel solutions?
Yes, we offer both API integration for custom implementations and whitelabel solutions for quick deployment without coding.
Our Team

Built by payments veterans

Combined decades of experience in Bitcoin, tech and payments industries.

Roderick Allardice

Roderick Allardice

Co-founder and CEO

CEO of Djingr with a decade of experience in the Bitcoin and payments landscape.

Taariq Mullins

Taariq Mullins

Co-founder and CTO

Tech lead at Djingr, with 20 years of experience in software development

Book a Demo

Let's show you how Djingr can simplify your cross-border payment operations - no float, no delays.

Schedule a Demo
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