Browse APIs
PAYCommercial ยท StraitsX (formerly Xfers)

StraitsX API (XSGD, PayNow ramps)

MAS-regulated stablecoin issuer of XSGD and payments API for PayNow collections, bank transfers and fiat-to-stablecoin ramps. The bridge between SGD rails and blockchain for SG fintechs.

How to authenticate

4 stops to a working call

  1. 1Apply for a StraitsX Business account (KYB review required).
  2. 2Get sandbox API keys from the developer dashboard once approved.
  3. 3Authenticate with your API key per the docs (header-based).
  4. 4Test PayNow collection and XSGD mint/redeem flows in sandbox before production enablement.

Example request

Request
curl -H 'X-XFERS-USER-API-KEY: YOUR_KEY' 'https://api.straitsx.com/api/v3/account'

Example response

Response (truncated)
{"data":{"attributes":{"availableBalance":"1000.00","currency":"SGD"}}}

StraitsX API (XSGD, PayNow ramps): common questions

Is the StraitsX API (XSGD, PayNow ramps) free?

The StraitsX API (XSGD, PayNow ramps) is listed as contact. Check the official StraitsX (formerly Xfers) docs for current pricing.

Does the StraitsX API (XSGD, PayNow ramps) need an API key?

Yes. It uses API key. Apply for a StraitsX Business account (KYB review required). Get sandbox API keys from the developer dashboard once approved. Authenticate with your API key per the docs (header-based). Test PayNow collection and XSGD mint/redeem flows in sandbox before production enablement.

What is the StraitsX API (XSGD, PayNow ramps) endpoint?

The base URL is https://api.straitsx.com. A working example: curl -H 'X-XFERS-USER-API-KEY: YOUR_KEY' 'https://api.straitsx.com/api/v3/account'

Notes for AI agents

Business onboarding (KYB) gates everything; no anonymous sandbox. XSGD is an ERC-20/other-chain token, so on-chain interactions are separate from the fiat API.

Machine-readable version: /api/apis/straitsx

On the same line

PAYCommercial

2C2P Payment Platform API

2C2P

Southeast Asia payments processor headquartered in Singapore, covering cards, QR payments and 250+ local payment methods across the region. Suited to merchants selling into multiple SEA markets.

TokencontactPayments
PAYCommercial

Adyen

Adyen N.V.

Enterprise payments platform with a single Checkout API for cards and local payment methods. In Singapore it supports PayNow (SGD, SG only) with real-time payments, QR code integration, refunds, partial refunds and separate captures via the standard /payments endpoint with paymentMethod.type set to paynow.

API keypaidPayments
PAYCommercial

Airwallex API

Airwallex

Global business accounts, multi-currency wallets, payouts, cards and payment acceptance with strong Singapore entity support. Common choice for SG companies paying overseas suppliers or holding multi-currency balances.

OAuth 2.0paidPayments
PAYCommercial

FOMO Pay

FOMO Pay Pte Ltd

Singapore MAS-licensed major payment institution providing a banking-grade API for accounts, balances, virtual accounts, beneficiaries, outgoing transfers and transaction data. Known in SG for QR payment acceptance (PayNow/SGQR) and digital-currency-to-fiat settlement rails for merchants.

RestrictedcontactPayments