Using Bitnob’s API to Enable USDT and BTC Wallets in Your Fintech App

As demand for borderless, fast, and stable money movement grows across Africa and globally, fintech startups are increasingly looking for ways to integrate digital asset wallets into their apps. Whether it's Bitcoin (BTC) or stablecoins like USDT, these assets provide a powerful edge in financial products, helping users save, transact, and store value in currencies that aren’t subject to local inflation or volatility.

However, building crypto wallets from scratch requires deep blockchain expertise, regulatory understanding, security infrastructure, and a ton of development time. For most startups, that's a mountain that slows innovation.

This is where Bitnob’s API comes in. With Bitnob’s infrastructure, you can enable BTC and USDT wallets for your users without building from scratch. The API gives you access to Bitcoin and stablecoin infrastructure that works across countries, reliably, securely, and quickly.

In this article, we’ll break down exactly how to get started, what features Bitnob offers through the API, and why this integration could be a game-changer for your fintech product.

Why Enable BTC and USDT Wallets?

Before diving into the "how," it’s important to look at the "why."

• Cross-border relevance: USDT is widely used across Africa for remittances and trade. BTC is also emerging as a savings tool in countries with weak currencies.
   
• Inflation protection: In places like Nigeria, Ghana, Zimbabwe, and Egypt, local currencies lose value over time. BTC and USDT offer users more control.
   
• Fintech expansion: Offering crypto wallets helps your app reach both global senders and local receivers, no matter the financial corridor.

What You Can Do With Bitnob’s API

Bitnob’s developer-friendly APIs give you access to features that simplify everything around building and scaling BTC and USDT wallet services. Here’s what’s possible like getting historical Bitcoin data for your data-driven applications and: 

Create and Manage Wallets: You can create BTC and USDT wallets for users instantly, assign unique wallet addresses for deposits or integrate bitcoin wallets into your products. 

Accept Deposits in BTC or USDT: Bitnob’s API lets your users deposit directly into their wallet address using BTC or USDT on-chain.

Send or Withdraw Funds: Users can send money to other wallets or off-ramp by withdrawing in supported local currencies (like NGN, XOF, GHS, UGX, and more). Send and Receive Bitcoin and Lightning transactions

Monitor Transactions in Real-time: Track every wallet activity, deposits, withdrawals, confirmations with webhook support for seamless integration.

Access Competitive Rates: Whether it’s conversion from USDT/BTC to fiat or vice versa, Bitnob ensures your users get solid, real-time rates.

Securely store Bitcoin and Stablecoins

Why Bitnob?

There are other crypto APIs out there, so why Bitnob?

• Built for African fintechs: Bitnob understands the landscape of African payments and infrastructure, which means better local support, better localization, and better performance.
   
• Regulatory-friendly: We handle backend compliance, AML checks, and risk monitoring so you don’t have to build that stack from scratch.
   
• High uptime, secure systems: Bitnob’s wallet services are built on solid infrastructure that scales without compromising on security.
   
• Multi-currency withdrawals: Bitnob supports withdrawals in several local African currencies (NGN, GHS, XOF, UGX, KES, XAF etc) giving your users flexibility.

Use Cases

1. Remittance Platforms:
Let users send USDT from abroad and deliver it as fiat (local currency) via Mobile Money or bank withdrawals.

2. Savings and Investment Apps:
Allow users to save in BTC as a hedge against inflation and withdraw anytime they want.

3. Freelance Platforms:
Pay freelancers in USDT or BTC, then let them withdraw in the local currency instantly.

4. Digital Wallets or Neobanks:
Expand your digital wallet app by embedding crypto savings and transfers.

Final Thoughts

Building Bitcoin and USDT wallet functionality into your fintech product shouldn’t be difficult. With Bitnob’s API, it’s not.

You get all the powerful backend infrastructure, secure wallets, real-time settlement, fiat payouts, and full monitoring without needing to build blockchain rails yourself. This lets you focus on delivering the best customer experience while still offering world-class wallet features.

Whether you're building for freelancers, merchants, remote workers, or everyday consumers, integrating BTC and USDT wallets with Bitnob is your shortcut to a more global, more flexible financial app. Ready to get started?  Explore the docs and sign up now.