API · Partners

Remittance operators

For licensed MTOs (money transfer operators) terminating cross-border remittances into Djibouti or Ethiopia. Two modes: origination (you collect abroad, we terminate) and termination-as-a-service (you instruct, we terminate).

MTOrp_ · rto_

⚠

Onboarding required

The remittance surface is gated to licensed partners. Contact partners@merashub.com to onboard. You'll receive a sk_partner_… key + a per-corridor fee schedule + KYC threshold matrix.

Endpoints

POST/v1/remittance/quotes

Lock an FX quote for a specific corridor + amount. Holds rate for 60 seconds.

POST/v1/remittance/orders

Originate a remittance against a quote, or directly with partner_reference (TaaS mode).

GET/v1/remittance/orders

List your orders (filter by status, corridor, partner_reference).

GET/v1/remittance/orders/{id}

Retrieve a specific order.

POST/v1/remittance/orders/{id}/cancel

Cancel an order before termination. Funds released to your funding account.

GET/v1/remittance/corridors

List supported corridors (source country → destination country, with caps + fee schedule).

GET/v1/remittance/statements

Per-period CSV statement (camt.053-style) of your funding + termination activity.

Origination flow

1
Lock an FX quote
POST /v1/remittance/quotes with source + destination currencies and a source amount. Rate locks for 60s; you get a quote_id.
2
Collect abroad
Your customer pays you the source amount in your own UI. KYC is your responsibility (you're the licensed party).
3
Originate order
POST /v1/remittance/orders with the quote_id + beneficiary details (msisdn, account, or agent). Funds debit your prefunded MerasPay balance.
4
Termination
We route to the right local rail — Waafi/SabaPay/D-Money for wallets, CAC/EAB for bank accounts, agent network for cash pickup.
5
Webhook
remittance.order.succeeded fires when the beneficiary receives funds. Confirmation message back to your customer is your responsibility.

Lock quote

Name	Type	Description
`source_currency` required	ISO 4217	"USD", "EUR", "GBP".
`source_amount_minor` required	integer	Minor units in source currency.
`destination_currency` required	ISO 4217	"DJF" or "ETB".
`destination_country` required	ISO 3166	"DJ" or "ET".
`corridor`	string	Optional alias — e.g. "US→DJ"; if set we apply your corridor-specific fee schedule.

POST /v1/remittance/quotesbash

curl -X POST https://api.merashub.com/v1/remittance/quotes \
  -H "Authorization: Bearer sk_partner_..." \
  -d '{
    "source_currency": "USD",
    "source_amount_minor": 10000,
    "destination_currency": "DJF",
    "destination_country": "DJ"
  }'

201 Created · quote lockedjson

{
  "id": "rqt_01HZ...",
  "source": { "currency": "USD", "amount_minor": 10000 },
  "destination": { "currency": "DJF", "amount_minor": 17750000 },
  "fx_rate": 177.5,
  "fees": [
    { "kind": "partner_fee",   "amount_minor": 250, "currency": "USD" },
    { "kind": "meraspay_fee",  "amount_minor": 100, "currency": "USD" }
  ],
  "net_to_beneficiary_minor": 17750000,
  "expires_at": "2026-05-25T10:16:30Z"
}

Originate order

Name	Type	Description
`quote_id`	rqt_	Required in origination mode. Omitted in TaaS mode.
`partner_reference`	string	Required in TaaS mode (the licensed MTO instructs without a MerasPay quote).
`sender_name` required	string	Sender full name (sanctions-screened).
`sender_country` required	ISO 3166	Sender country.
`beneficiary_name` required	string	Recipient full name (sanctions-screened).
`beneficiary_msisdn`	E.164	For wallet termination.
`beneficiary_account`	string	For bank termination.
`beneficiary_provider`	enum	"waafi", "cac", "santimpay" (ETB), etc.
`beneficiary_agent_pickup`	boolean	When true, route to the agent network for cash pickup with a one-time code.
`purpose_code`	string	ISO 18-character purpose code (FATF). Required for AML.
`metadata`	map	Free-form key/value.

Termination-as-a-Service (TaaS)

If you already collect, do KYC, and lock FX in your own stack, just instruct MerasPay to terminate. Send partner_reference instead of a quote_id; we charge a flat per-transaction termination fee against your prefunded balance.

POST /v1/remittance/orders · TaaSbash

curl -X POST https://api.merashub.com/v1/remittance/orders \
  -H "Authorization: Bearer sk_partner_..." \
  -H "Idempotency-Key: order_xfer_123" \
  -d '{
    "partner_reference": "WU-2026-XFER-000123",
    "amount_minor": 17750000,
    "currency": "DJF",
    "sender_name": "John Doe",
    "sender_country": "US",
    "beneficiary_name": "Bob Hassan",
    "beneficiary_msisdn": "+25377xxxxxxx",
    "beneficiary_provider": "waafi",
    "purpose_code": "INTC"
  }'

Corridors

Each corridor has a per-tx max, daily aggregate cap, KYC threshold, and fee schedule. Refresh nightly:

bashbash

curl https://api.merashub.com/v1/remittance/corridors \
  -H "Authorization: Bearer sk_partner_..."

200 OKjson

{
  "data": [
    {
      "source_country": "US", "destination_country": "DJ",
      "max_per_tx_minor": 500000,   "daily_cap_minor": 2500000,
      "kyc_threshold_minor": 100000,
      "fee_schedule": [
        { "tier_max_minor": 50000,  "fee_minor": 250 },
        { "tier_max_minor": 250000, "fee_minor": 750 },
        { "tier_max_minor": null,   "fee_minor": 1500 }
      ]
    }
  ]
}

ℹ

ETB corridor

For Ethiopia terminations the rail is SantimPay. Quotes against ETB lock against our committed liquidity at the SantimPay float; large outliers (greater than max_per_tx_minor) require pre-funding 24h ahead.

⚠

Sanctions + AML

Every order is screened against OFAC + EU + UN + local lists. Hits hold the order in requires_review state with a 4-business-hour SLA. Your partner agreement spells out reimbursement obligations on hits.

Remittance operators

Endpoints

Origination flow

Lock an FX quote

Collect abroad

Originate order

Termination

Webhook

Lock quote

Originate order

Termination-as-a-Service (TaaS)

Corridors