Build Fintech Products Faster with Clauda’s Unified API

Clauda—The Payment Infrastructure Built for Developers

In the fast-moving world of financial technology, speed and compliance are often seen as opposing forces. Developers, founders, and product teams are constantly pushing to deliver innovative solutions — from cross-border remittance platforms to neobanks and embedded finance features in SaaS products. However, building a financial product is still complex, slow, and expensive.

 

Developers face a host of challenges: integrating multiple banking partners, navigating jurisdiction-specific regulations, managing fraud and KYC/KYB workflows, and ensuring a reliable user experience across currencies and countries. All of these take significant time and resources — often months or even years — just to reach a minimum viable product.

 

At Clauda, we believe financial innovation should not be slowed down by infrastructure limitations or regulatory complexity. That’s why we built a unified API platform that enables developers to build and launch financial products faster, while staying fully compliant from day one.

 

What Is Clauda?

Clauda is a developer-first payment infrastructure provider. Our platform enables developers and fintech startups to move money, verify users, and access banking capabilities across currencies and regions — all through clean, scalable APIs.

 

We’re not just offering another payment gateway. Clauda is an end-to-end infrastructure layer for anyone building financial products in Africa and beyond. From virtual accounts to direct debit, identity verification, crypto <> fiat rails, and global payouts — we offer everything you need to power modern finance, without reinventing the wheel.

 

Our APIs are designed to be fast, flexible, and easy to integrate. Whether you’re building your MVP or scaling across new markets, Clauda helps you go live in days, not months.

 

What Developers Can Build with Clauda

 

Clauda’s unified APIs are built to handle a wide range of financial use cases. Our core product offerings include:

 

1. Virtual Bank Accounts

With Clauda, developers can create virtual bank accounts in USD, EUR, and GBP. These accounts can receive, hold, and manage funds — enabling businesses to operate globally without needing a physical bank presence in each country.

 

Use Case Example: A Nigerian SaaS platform can issue a USD virtual account to a client in the United States, receive subscription payments in USD, and later settle locally in NGN.

 

2. Direct Debit APIs

Clauda supports automated payment collection via direct debit in multiple markets:

 

  • USD (ACH)
  • EUR (SEPA)
  • NGN (NIP Auto-Debit)

This allows companies to initiate recurring debits from customer bank accounts, enabling subscription billing, loan repayments, and invoice automation.

 

Use Case Example: A lending platform can automate loan repayments by debiting users’ bank accounts in Nigeria via NIP or in the US via ACH.

 

3. Bank Transfers and Payouts

 

Clauda supports instant and scheduled payouts through:

 

  • ACH and Wire Transfers (USA)

 

  • NIP (Nigeria)

 

  • Mobile money (selected African markets)

 

  • SWIFT and local banking rails in 150+ countries

 

Use Case Example: A freelancer platform can use Clauda to pay out earnings to users in Nigeria, Ghana, the US, and the UK — all through a single integration.

 

4. Identity Verification (KYC/KYB)

Know Your Customer (KYC) and Know Your Business (KYB) checks are embedded into Clauda’s infrastructure. Our identity API supports:

 

  • Document verification

 

  • Face match and liveness checks

 

  • Global business registration validation

 

  • Sanctions, AML, and PEP screening

 

Use Case Example: A crypto exchange can onboard users in Africa, Europe, or North America and verify their identity instantly via API — without relying on a separate compliance provider.

 

 

5. Crypto <> Fiat Onramps and Offramps

Clauda bridges the gap between traditional finance and digital assets by enabling secure conversion and settlement between fiat and crypto. This makes it easier for crypto-native platforms to offer fiat payments while maintaining compliance.

 

Use Case Example: A Web3 wallet can allow users to convert crypto to fiat and withdraw to a local bank, powered by Clauda.

 

Who Clauda Is Built For

Clauda is designed for developers, product teams, and fintech innovators across various sectors. Our infrastructure is suitable for:

 

  • Fintech startups building neobanks, lending platforms, and P2P apps

 

  • SaaS platforms looking to embed payments, billing, or financial tools

 

  • Remittance companies seeking faster, compliant cross-border payouts

 

  • Marketplaces managing vendor onboarding and international payments

 

  • Crypto exchanges integrating fiat onramps and identity verification

 

  • Enterprise platforms adding financial services as a feature

 

Whether you are a solo developer or a scaling team, Clauda is built to help you move faster.

 

 

What Sets Clauda Apart

 

 

The financial infrastructure space is crowded, but Clauda stands out in a few key ways:

 

Unified API for Global Use

 

Instead of integrating five different vendors for banking, identity, compliance, and payouts — Clauda offers one interface that covers it all. This reduces integration effort, speeds up development, and lowers operational risk.

 

Developer-First Experience

 

Clauda is built by developers, for developers. We prioritize clean documentation, fast sandbox access, responsive support, and transparent pricing. Our platform is built to get you live quickly, without unnecessary barriers.

 

Built-In Compliance

 

Unlike legacy systems that require manual oversight or expensive third-party vendors, Clauda bakes compliance directly into the infrastructure. You can launch with automated KYC, AML screening, and global identity verification from day one.

 

Scalable and Reliable

 

Clauda’s APIs are built on modern, cloud-native infrastructure. We’re ready to support everything from MVPs to enterprise-grade transaction volumes, with robust monitoring, uptime, and security controls in place.

 

Getting Started with Clauda

 

The easiest way to get started is by exploring our developer documentation and sandbox environment. Once you request API access, you’ll be able to start testing virtual accounts, payouts, identity checks, and more.

 

Our team is also available to provide personalized onboarding support, answer technical questions, and help you scope your integration based on your product goals.

 

To request access or speak with our team, visit clauda.co or send us a message at sales@clauda.co.

 

Stay Connected with Clauda

 

We regularly share platform updates, developer resources, case studies, and fintech insights on our social media platforms. Connect with us to stay updated:

 

 

 

 

Final Thoughts

 

At Clauda, we are committed to reducing the time, cost, and complexity of launching financial products. By combining powerful APIs with built-in compliance and global banking rails, we help developers and startups focus on what they do best — building great products and serving customers.

 

 

If you’re working on a fintech idea, scaling your product to new markets, or looking to simplify your payment infrastructure, Clauda is ready to help.

 

Start building today at www.clauda.co.