How to integrate a crypto payment API in your wallet

If your wallet only supports swaps, you’re leaving serious value on the table.
Abraham Rivv
Published
September 3, 2025
5
minutes to read
Users today aren’t just looking to hold or trade—they want to spend crypto in the real world. From buying mobile top-ups to paying for streaming services, spending is fast becoming the killer use case for crypto. This guide will walk developer teams through how to integrate a crypto payment API in just a few weeks, giving your product a powerful new layer of utility and monetization.

Why spending is a competitive edge

Today’s users want more than token swaps. They want to buy an Uber ride, pay a bill, or redeem gift cards—without leaving the app and without bridging assets or converting to fiat. Offering that flow turns your wallet into an everyday tool, not just a speculative interface.

Bando’s crypto payment API enables just that: simple, fast, native spending across 10+ chains and 30,000+ real-world products. It also gives wallets up to 17,000% higher revenue per interaction compared to swaps.

What you’ll need

Before getting started, make sure your team has access to API documentation and credentials:

1. Documentation page https://docs.bando.cool/bando-spending-api/getting-started

2. Authentication https://docs.bando.cool/bando-spending-api/authentication

Once you have these in place, you're ready to build.

Integration options

There are 2 main ways to integrate a crypto payment flow:

  1. REST API – Ideal for teams that want full control over UX and backend logic.

  2. Widget – Drop-in component that handles product selection, wallet connection, and transaction flow.

Each of these options lets you offer a wide catalog of spending products—like mobile recharges, gift cards, iGaming, and more—without taking on regulatory risk or custody of funds.

Go live in a few weeks

Once you’ve tested your flow, switch to production credentials, customize your UI if needed, and go live. Bando’s API is already powering integrations for wallets like Opera MiniPay and Binance wallet, proving that the path from token to transaction doesn’t need to be complicated.

Final thoughts

Crypto spending is the next UX frontier for wallets. With Bando, you don’t just integrate a payment method—you launch a revenue engine, deliver real utility, and give your users a reason to stay.

If you're building a wallet, this is the moment to add spending as a service.

Start your crypto payment API integration today.
Make crypto spendable. Make your wallet irreplaceable.

Abraham Rivv
Published
September 3, 2025

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