Crypto payment API: How to launch a spending layer in 2 weeks

For most wallets and dApps, user experience ends at the swap button.
Abraham Rivv
Published
August 29, 2025
5
minutes to read
In 2025, users expect more. They want to pay for products on Amazon, order an Uber, or top up their phone—directly from their crypto wallet. No bridges. No off-ramps. No twenty-click journeys. A true crypto payment API makes that possible, and with Bando, it can be live in 2 weeks.

Why spending is the real utility layer

Real utility comes when users can spend their crypto with the same ease as fiat. But today, spending from a wallet typically involves a maze of wallet hops, bad conversion rates, and high fees.

According to internal data, the average onchain payment flow takes between 15 and 60 clicks and generates fees of approximately 2%. This friction not only ruins UX but also forces users to abandon crypto for bank cards when it’s time to pay.

Bando’s API fixes that. It brings the full power of crypto payments—gift cards, bills, eSIMs, games—into your app in just two weeks.

What happens in 2 weeks

With well-documented endpoints and an easy-to-integrate API, your product team can go from sandbox to live spending in approximately 2 weeks.

Once live, users can spend directly from 10+ chains, including Solana, Arbitrum, Base, Celo, and Optimism. There’s no need to bridge assets, convert to fiat, or leave your app. Just select a service, confirm, and pay.

From the user’s perspective, it’s fast and simple. From your side, it’s fully chain-agnostic, sandbox-tested, and backed by support from day one.

Built for wallets, not merchants

Most crypto payment APIs are built for B2C businesses. They’re slow, limited to Bitcoin, and treat wallets as an afterthought. Bando is different. It’s designed specifically for wallets and dApps that want to offer more than swaps.

What makes it stand out? For one, the margins. Wallets using Bando’s spending API have reported up to 17,000% higher revenue compared to token swaps. That’s because Bando’s business model is built around profit-sharing with distribution partners, not just flat fees.

Launching spending isn’t optional anymore

The wallets that win the next market cycle will be the ones that integrate spending. Users in the USA, Nigeria, Mexico, and across the Global South are already using crypto daily. But they need a seamless way to turn tokens into usable value.

They don’t want to bridge. They don’t want to swap. They want to pay for their Netflix, Uber, or Airbnb with the tokens already in their wallet.

And if you don’t offer that option, they’ll find a wallet that does.

Get started now

Bando is integrated with Opera’s MiniPay, Binance Wallet, World App and LATAM-first wallets. It works with 30,000+ products, from Amazon to Netflix.

Your wallet could be next. It only takes approximately 2 weeks.

Launch your spending layer with Bando’s crypto payment API.

Make crypto actually spendable.

Abraham Rivv
Published
August 29, 2025

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