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Augustus provides a modular set of APIs to move money for both fiat and stablecoins. Each domain is a building block - use them independently or together depending on what you’re building. Most capabilities are available in both APIs. Where a feature is specific to one, it’s marked (Banking API) or (Payment Processor) below.

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Incoming payments

Accept funds from your users, customers, or partners.
  • Open Banking (Payment Processor) - power instant bank checkout flows where customers authorize payment in their bank in real time. Learn more.
  • Manual Bank Transfer (Payment Processor) - let customers send funds on their own schedule, with automatic reconciliation against an expected amount and reference. Learn more.
  • Deposits - receive funds directly to an account’s payment details (IBAN, sort code, ABA, or wallet address) without per-payment setup. Learn more.
  • Virtual Accounts (Banking API) - issue named accounts to your customers with payment details in their name for streamlined reconciliation. Learn more.

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Outgoing payments

Send money from your account to users, partners, or external accounts.
  • Payouts - send funds to a bank account or crypto wallet. Use them for one-off transfers, customer withdrawals, supplier payments, or payroll. Learn more.
  • Returns - send a deposit back to its original sender. Both APIs support full returns; the Banking API also auto-initiates returns for unmatched deposits. Learn more.
  • Refunds (Payment Processor) - return a previous Open Banking or Manual Bank Transfer payment to the customer. Supports full or partial refunds. Learn more.
  • Settlements - sweep your balance to a pre-defined external bank account or wallet on a schedule or on demand. Optionally convert between currencies as part of the sweep. Learn more.

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Accounts and balances

Hold funds in multiple currencies and chains, and track every movement.
  • Operating Accounts - your treasury accounts for holding fiat balances. Each has its own payment details (IBAN, sort code, ABA). Learn more.
  • Stablecoin Wallets - your crypto wallets for holding stablecoin balances on supported chains. Learn more.
  • Balances - available and pending funds on each account. Learn more.
  • Transactions - the ledger of every credit and debit, useful for reconciliation and reporting. Learn more.

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Currency conversion

Swap between currencies instantly, within or between fiat and stablecoins.
  • Fiat ↔ Stablecoin for on- / off-ramping (e.g. EUR ↔ USDC, USD ↔ USDC). Learn more.
  • Fiat ↔ Fiat for cross-border flows.
  • Stablecoin ↔ Stablecoin for treasury operations.

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Webhooks

Subscribe to events to receive real-time notifications when payments arrive, payouts complete, deposits are received, and more. Your receiver verifies the signature and processes the event.

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Security

Send up to 10,000 requests per 5-minute window per source IP, across all endpoints. When you exceed this rate limit, the request is blocked at the edge before it reaches the API, and you receive a plain 403 Forbidden. Requests are also filtered at the edge for malicious traffic, such as traffic from IP addresses with a poor reputation and common attack patterns like SQL injection.