Overview

Welcome to the Pandascrow API v3.

Pandascrow helps you build trusted transactions into your product with ease, from Escrow, Wallets, Invoicing, Identity Verification, to full agency banking rails. Whether you’re building a marketplace, a fintech app, or something entirely new, this guide walks you through everything you need to go live with our powerful API.

We support a wide range of use cases — including multi-party escrow, milestone payments, automated settlements, payment link generation, and more.

🚀 Getting Started

To use the Pandascrow API, you’ll need to:

Create your account
Or sign in if you already have one.

Once logged in to the Pandascrow Dashboard, you’ll be able to manage your API keys, users, applications, customers, transactions, wallets, settlement accounts, and beyond.

🚧
NOTE: Currency Denominations
In our API responses, all amounts are returned in the lowest denomination of each currency. This means you'll receive values as whole numbers representing the smallest unit, eliminating decimal precision issues in financial transactions.

Currency Code Least Subunit Conversion
🇳🇬 Nigerian Naira NGN 1 Kobo 1 NGN = 100 Kobo
🇺🇸 US Dollar USD 1 Cent 1 USD = 100 Cents
🇪🇺 Euro EUR 1 Euro Cent 1 EUR = 100 Cents
🇬🇧 British Pound GBP 1 Penny 1 GBP = 100 Pence
🇨🇦 Canadian Dollar CAD 1 Canadian Cent 1 CAD = 100 Cents
🇦🇺 Australian Dollar AUD 1 Cent 1 AUD = 100 Cents
🇯🇵 Japanese Yen JPY 1 Sen 1 JPY = 100 Sen
🇨🇳 Chinese Yuan CNY 1 Fen 1 CNY = 100 Fen
🇮🇳 Indian Rupee INR 1 Paisa 1 INR = 100 Paise
🇧🇷 Brazilian Real BRL 1 Centavo 1 BRL = 100 Centavos
🇿🇦 South African Rand ZAR 1 Cent 1 ZAR = 100 Cents
🇰🇪 Kenyan Shilling KES 1 Cent 1 KES = 100 Cents
🇬🇭 Ghanaian Cedi GHS 1 Pesewa 1 GHS = 100 Pesewas
🇷🇼 Rwandan Franc RWF 1 Centime 1 RWF = 100 Centimes
🇹🇿 Tanzanian Shilling TZS 1 Cent 1 TZS = 100 Cents
🇺🇬 Ugandan Shilling UGX 1 Cent 1 UGX = 100 Cents
🌍 West African CFA XOF 1 (no subdivision) 1 XOF = 1 (no subdivision)
🇿🇲 Zambian Kwacha ZMW 1 Ngwee 1 ZMW = 100 Ngwee
Stablecoins
For stablecoins, amounts are also returned in the lowest denomination:

Currency Code Lowest Denomination Conversion
Tether USDT 1 1 USDT = 100 cents
USD Coin USDC 1 1 USDC = 100 cents
Dai DAI 1 1 DAI = 100 cents
Binance USD BUSD 1 1 BUSD = 100 cents
Note: For stablecoins, we use the same cent-based denomination as fiat USD. All stablecoin amounts are stored and returned as whole numbers representing the smallest unit (cents). XOF has no subdivision (1 XOF = 1).

Currency	Code	Least	Subunit	Conversion
🇳🇬 Nigerian Naira	NGN	1	Kobo	1 NGN = 100 Kobo
🇺🇸 US Dollar	USD	1	Cent	1 USD = 100 Cents
🇪🇺 Euro	EUR	1	Euro Cent	1 EUR = 100 Cents
🇬🇧 British Pound	GBP	1	Penny	1 GBP = 100 Pence
🇨🇦 Canadian Dollar	CAD	1	Canadian Cent	1 CAD = 100 Cents
🇦🇺 Australian Dollar	AUD	1	Cent	1 AUD = 100 Cents
🇯🇵 Japanese Yen	JPY	1	Sen	1 JPY = 100 Sen
🇨🇳 Chinese Yuan	CNY	1	Fen	1 CNY = 100 Fen
🇮🇳 Indian Rupee	INR	1	Paisa	1 INR = 100 Paise
🇧🇷 Brazilian Real	BRL	1	Centavo	1 BRL = 100 Centavos
🇿🇦 South African Rand	ZAR	1	Cent	1 ZAR = 100 Cents
🇰🇪 Kenyan Shilling	KES	1	Cent	1 KES = 100 Cents
🇬🇭 Ghanaian Cedi	GHS	1	Pesewa	1 GHS = 100 Pesewas
🇷🇼 Rwandan Franc	RWF	1	Centime	1 RWF = 100 Centimes
🇹🇿 Tanzanian Shilling	TZS	1	Cent	1 TZS = 100 Cents
🇺🇬 Ugandan Shilling	UGX	1	Cent	1 UGX = 100 Cents
🌍 West African CFA	XOF	1	(no subdivision)	1 XOF = 1 (no subdivision)
🇿🇲 Zambian Kwacha	ZMW	1	Ngwee	1 ZMW = 100 Ngwee

Currency	Code	Lowest Denomination	Conversion
Tether	USDT	1	1 USDT = 100 cents
USD Coin	USDC	1	1 USDC = 100 cents
Dai	DAI	1	1 DAI = 100 cents
Binance USD	BUSD	1	1 BUSD = 100 cents

Panda Community

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Extras
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