14/14 corridors operational · p50 212ms

Payments infrastructure
for emerging markets.

One API for collections, payouts, and FX across 14 African and Southeast Asian corridors.

fig.01 live routing — hover a corridor
POST /v1/payouts
← 201 Created184mspo_8Kx1Vd2qLstatus: pending
$ strata events tail --liverec

    Moving money for teams in
    Lagos, Nairobi, Manila & Jakarta

    §01

    Four primitives.
    One ledger underneath.

    Every product writes to the same double-entry ledger, so a collection in Nairobi and a payout in Manila reconcile against one balance.

    01GA · 14 corridors

    Collections

    Accept mobile money, instant bank transfer, local cards and USSD through one checkout object. Strata picks the rail; you get one webhook.

    • POST/v1/collections
    • GET/v1/collections/{id}
    • POST/v1/checkout/sessions
    NG · transfer, USSDKE · mobile moneyPH · QRID · virtual account
    02GA

    Payouts

    Send to bank accounts and wallets in local currency, one at a time or 10,000 in a batch.

    • POST/v1/payouts
    • POST/v1/payouts/batch
    • GET/v1/banks?country=KE
    03GA

    FX & Treasury

    Lock a rate for 30 seconds, convert, and hold balances in USD or any corridor currency.

    • POST/v1/fx/quotes
    • POST/v1/fx/conversions
    • GET/v1/balances
    04beta

    Compliance / KYB

    Verify businesses against local registries, collect documents, and screen directors before the first payout leaves. Results come back as structured JSON, not PDFs.

    • POST/v1/kyb/businesses
    • POST/v1/kyb/documents
    • GET/v1/screening/{id}
    §02

    One request in.
    Forty rails out.

    You integrate once. We maintain the connections to local mobile money, bank and card networks, and settle to your accounts.

    Your app sends one request to the Strata API, which routes it to local payment rails and settles to your accounts. 01 / your app 02 / strata api 03 / local rails 04 / settlement https ~40ms T+0 local · T+1 USD Your app checkout payroll marketplace api.strata.dev/v1 authscoped keys idempotency24h window routingbest rail, live ledgerdouble-entry fx30s quote lock webhookssigned, retried Mobile money9 networks Instant bank transfer14 schemes Local card schemesdomestic + intl QR · USSDoffline-first Settlement local currency USD treasury recon file, daily balanced

    scroll →

    §03 · last 90 days

    99.99%

    API uptime

    90d agotoday
    <300ms
    median API response, measured at the edge
    14 / 40+
    countries live / payment methods behind one API
    SOC 2 Type II
    in progress audit window opened Q3 2026
    §04

    Pay per
    transaction.
    That's the model.

    No setup fee, no monthly minimum, no charge for the sandbox. Volume above $2M a month gets custom pricing.

    Talk to sales
    itempricenotes
    Collections1.4%local methods, capped per corridor
    Collections · intl cards2.9%cards issued outside the corridor
    Payouts$0.30flatper payout, any amount, any corridor
    FX0.5%over mid-market, shown in every quote
    KYB checks$1.50per business verified
    Setup fee$0and no monthly minimum
    Sandbox$0unlimited test calls, forever
    §05

    Built for the person
    reading the stack trace.

    a. Sandbox in 2 minutes

    Test keys, fake money, real webhooks. Every corridor is simulated, including the slow ones.

    $ npx strata login
    ✓ authenticated as dev@yourco.test
    $ strata sandbox create --corridors ng,ke,ph
    ✓ sandbox sbx_7Hq2 ready (1m 42s)

    b. SDKs for Node, Python, PHP

    Typed, versioned with the API, and boring in the best way.

    $ npm i @strata/node
    $ pip install strata-python
    $ composer require strata/strata-php

    c. Webhooks for every event

    Signed, retried for 72 hours, replayable from the API.

    → POST yourapp.test/hooks
    payout.settled       200 38ms
    collection.succeeded 200 41ms
    fx.quote.expired     200 29ms

    Changelog — latest

    1. v1.14.2payouts PH instant bank transfer now settles T+0
    2. v1.14.0fx quote lock extended from 10s to 30s
    3. v1.13.5webhooks replay any event from the API
    4. v1.13.0collections UG and TZ mobile money out of beta

    Start building
    with Strata.

    status: building

    Still in active development

    Strata is currently in development, handled and managed by our consulting agency, Jemirae.

    Get in touch with Jemirae