Business accounts and API
Pay suppliers and contractors in bulk, collect by bank transfer, settle in USDT.
One KYB for the company, then a dashboard with roles and approvals, CSV and API payouts with a status per row, named references for collections, monthly statements for the accountant and a named manager from $100,000 per month. Pricing from 0.7% by contract.
- CSV · APIbulk payouts, one status per row
- 6 rolesowner to viewer, two-approver rule
- from 0.7%volume pricing by contract
Bulk payouts from CSV
Upload a file with beneficiary, amount, currency, rail and invoice number; we validate IBANs and BICs, quote every row, and you approve the batch. Each row gets its own status, MT103 and agent report.
beneficiary_name, iban_or_account, bic, country, amount, currency, rail, invoice_no, purpose
API and webhooks
Quotes, payments, collections, documents and status webhooks. Sandbox keys with the business agreement; idempotency keys on every write; signed webhooks.
Roles and approvals
Owner, admin, approver, operator, accountant, viewer. Payments above a limit need two approvers; new recipients need an admin; every action is in the audit log.
Statements and closing documents
A monthly statement with every payment, fee and rate, our fee invoice, and per-payment MT103s and agent reports; the accountant role sees documents only.
Collections with named references
Each customer invoice gets a reference; incoming transfers are matched automatically and USDT is sent after final credit.
Named manager and SLAs
From $100,000 per month: a named manager, agreed cut-offs and response times, and desk settlement above $500,000 per payment.
The API in one request
Create a payment, receive the pay-in address and the locked rate, then listen for status webhooks. Documentation and a sandbox come with the business agreement.
POST /v1/payments
Authorization: Bearer ark_live_••••••••
Idempotency-Key: 7c1e9a2b-0331
{
"amount": "48500.00",
"currency": "USD",
"rail": "SWIFT",
"charges": "SHA",
"beneficiary": {
"name": "Shenzhen Hualian Electronics Co., Ltd.",
"account": "6222020200001234567",
"bic": "BKCHCNBJ",
"country": "CN"
},
"invoice_file_id": "inv_9a0c7",
"purpose": "PI-2026-0917, LED modules"
}
→ 201 Created
{ "id": "pay_ARK24812", "status": "awaiting_funds",
"pay_in": { "asset": "USDT", "network": "TRON",
"address": "TRON_ADDRESS_FROM_YOUR_QUOTE",
"amount": "49117.00", "rate_locked_until": "2026-10-19T08:55:00Z" } }Status webhook
One event per status change, signed with your webhook secret, retried for 24 hours.
POST https://your-system.example/webhooks/arkipo
X-Arkipo-Signature: sha256=3f1c…
{
"event": "payment.status",
"id": "pay_ARK24812",
"status": "transfer_sent",
"previous": "converted",
"at": "2026-10-20T07:02:11Z",
"documents": {
"mt103": "doc_mt103_ARK24812",
"agent_report": "doc_rep_ARK24812"
},
"tracking": { "uetr": "9f8e7d6c-5b4a-4392-8170-6f5e4d3c2b1a" }
}Events
quote.locked · payment.awaiting_funds · payment.funds_received · payment.compliance · payment.documents_required · payment.converted · payment.transfer_sent · payment.credited · payment.returned · collection.received · collection.usdt_sent
Volume pricing
The tier is set by the previous month's volume and reviewed monthly, by contract. Bank and network costs stay at cost.
| Monthly volume | Service fee from |
|---|---|
| under $100,000 | standard tiers |
| $100,000 – $500,000 | 1.0% |
| $500,000 – $2,000,000 | 0.7% |
| over $2,000,000 | 0.5% |
Sandbox
Test keys, fake rails that move through all eight statuses on a timer, and a webhook inspector. Available the day the business agreement is signed.
Request a business account
Tell us about the company and the flows; we reply within one business day with the KYB checklist and a draft agreement.