Today’s onchain users aren’t just investing—they’re spending. They expect to pay for bills, top up their phones, or buy gift cards using crypto, without jumping through hoops. But even simple purchases often involve over a dozen clicks, several token swaps, and external off-ramps. The user loses time and money, while the wallet earns very little in off-ramp fees (if anything).
That's why APIs are important: they define the experience. But not all of them are designed with wallets and dApps in mind. Too many were created to exchange your crypto for fiat money, requiring you to go through an odyssey to spend your crypto.
Even worse, they ignore high-growth regions like LATAM and Africa, where onchain activity is booming. And they often embed fees and poor rates deep in the backend, degrading user experience and trust.
To meet user expectations, a good crypto payment API needs to do three things exceptionally well.
First, it must simplify the path to transaction. Bando reduces the entire spending process to just six clicks—removing the need for bridges, conversions, or external apps.
Second, it has to support multiple chains natively. Solana and Arbitrum users shouldn’t be second-class citizens. Bando’s protocol works across more than 10 chains and 2,000 tokens without friction.
And third, it must help wallets grow revenue. Unlike token swaps, which provide razor-thin margins, Bando’s model unlocks up to 17,000% higher returns per transaction. This turns spending into a monetization strategy, not just a utility feature.
If you’re choosing a crypto payment API for your wallet or dApp, look for infrastructure that was built for you—not bolted on after the fact.
The right solution should enable payments for things users actually care about: gift cards, gaming credits, eSIMs, and bill pay. It should offer global coverage, with real traction in key markets like Mexico, Nigeria, and the USA. It should require zero regulatory lift on your side and provide full developer support from sandbox to production.
Bando is more than an API—it’s a spending protocol built for wallets and fintechs from the ground up. It integrates with just a few lines of code, works across 10+ chains, and gives users access to over 30,000 real-world products.
Wallets using Bando retain users longer, generate more revenue per interaction, and launch faster. It’s already live with Opera’s MiniPay, Binance Wallet, Base app and many other wallets around the world.
Users don’t want another swap button. They want to pay for real things with the tokens they already hold. Bando makes that happen in a few clicks.
If you're building for the next billion users, you need more than custodial onramps and clunky offramps. You need to make crypto actually spendable.
