Introduction
Start here to understand Verto’s integration models and core money movement flow across receive, wallets, FX conversion, OTC deals, and payouts.
Use this documentation to authenticate with Verto, move funds through receive, wallet, FX, payout, and OTC deal workflows, and build either a direct fintech integration or an embedded platform integration.
Verto is a global clearing and cross-border payment platform that lets you manage global and local accounts, facilitate payments in 50+ currencies, and access wholesale FX liquidity through a single integrated gateway.
Start here
Choose the page that matches your immediate goal:
| Link text | Points to | Purpose |
|---|---|---|
| Quickstart | /docs/quickstart | Make your first authenticated API request. |
| Authentication | /docs/authentication-1 | Choose an authentication method and obtain a bearer token. |
| Accounts | /docs/accounts | Learn about accounts for collecting inbound funds. |
| Receive | /docs/receive | Understand inbound fund collection flows. |
| Wallets | /docs/wallets-1 | Manage balances and wallet operations. |
| FX Conversion Guide | /docs/fx-conversion | Convert funds between supported currencies. |
| Send | /docs/send | Pay out funds to beneficiaries. |
| OTC Deals | /docs/otc-deals | Retrieve OTC deals, filter records, and reconcile deal status changes. |
| Sub-Accounts | /docs/sub-accounts-2 | Build Atlas platform flows for downstream customers. |
| Create a Sub-Account | /docs/create-a-sub-account | Create sub-accounts for platform users. |
| Create Wallets | /docs/create-wallets | Create wallets for sub-accounts or currency balances. |
| Environments | /docs/environments | Review sandbox and production environment details. |
| Go-Live Requirements | /docs/go-live-requirements | Prepare for production rollout. |
🌐 The Verto ecosystem flow
Most Verto integrations follow the same four-step money movement lifecycle:
1. Unified Collection (Receive)
Funds enter the Verto ecosystem via Local Collection accounts or SWIFT rails. Depending on your integration model, these funds can be collected into a Main Corporate Wallet or segregated Sub-Account Wallets.
2. Multi-Currency Wallets (Hold)
Once settled, funds are held in our Multi-Currency Wallets. From here, you can manage balances, automate reconciliation via our Statement APIs, and maintain ledger visibility.
3. Wholesale FX Liquidity (Exchange)
Verto provides an Exchange Service that lets you convert funds between 40+ currency pairs. The programmatic exchange logic follows a strict sequence:
- Fetch Live Rate: Query the
/v2/exchange/quoteendpoint for the base conversion amount. - Rate Locking: A
vfx_tokenis generated, which locks the interbank rate for exactly 30 seconds. - Base Conversion: Execute the trade using the retrieved token to guarantee the quoted spread.
4. Global Payouts (Send)
The final step is routing funds to a beneficiary. Verto supports local payout rails (e.g., NIP in Nigeria, SEPA in Europe) and Global SWIFT transfers to over 190 countries.
Choose your integration model
Use the model that matches how funds and compliance should be handled in your application:
| Model | Use it when | Start with |
|---|---|---|
| Direct / Fintech | You are moving your own funds and operating from your own master wallet context. | Quickstart, Wallets, Send |
| Atlas for Platforms | You need to isolate balances and actions for downstream users with sub-accounts. | Sub-Accounts, Create a Sub-Account, Create Wallets |
🛠️ Supported Languages
The Verto API is a RESTful interface designed to be compatible with any programming language that supports standard HTTP methods.
| Layer | Protocol |
|---|---|
| API | REST |
| Format | JSON |
| Auth | API Key / Bearer Token |
| Events | Webhooks (JSON Payloads) |
Next steps
- Start with Quickstart if you are new to the API.
- Review Environments and Go-Live Requirements before planning production rollout.
- Follow the product guide that matches your next action: receive, wallet management, FX conversion, OTC deal reconciliation, or send.
Updated 8 days ago