Cowrie Exchange is a cryptocurrency exchange that enables instant conversion between fiat money (Naira NGN) and cryptocurrency (Stellar XLM)
Cowrie Exchange acts as a bridge connecting any Nigerian bank account to any Stellar wallet. This repository documents the Cowrie Exchange API which exposes fiat deposit and withdrawal to other wallets/services. Any Stellar based wallet/service provider can connect any Nigerian bank account using this API.
Cowrie Exhange issuses the NGNT token on the Stellar network. NGNT is an asset backed digital token issued on the Stellar decentralized network. It is pegged to the Nigerian Naira (NGN) at a 1:1 ratio. It digitizes the Naira giving it the benefits of both a decentralized token and traditional fiat.
NGNT offers a decentralized method of storing and exchanging value globally, securely and in an instant using an accounting unit familiar to people, giving holders total control of their money. This gives it the properties of cryptocurrency but is forever tied to the value price of NGN.
With NGNT it is now possible to integrate the NGN fiat system with distributed digital services. NGNT is tradable on the SDEX (Stellar Decentralized Exchange)
| Asset | Domain | Issuer |
|---|---|---|
| NGNT | cowrie.exchange | GAWODAROMJ33V5YDFY3NPYTHVYQG7MJXVJ2ND3AOGIHYRWINES6ACCPD |
The Cowrie Exhange API is based on a HTTP/REST architecture. API clients issue HTTP GET requests with parameters specified in the query string. API responses use standard HTTP response codes with messages encoded in JSON format. The API follows the Stellar SEP6 standard
Call this endpoint to initiate a deposit
https://api.cowrie.exchange/transfer/deposit?asset_code=NGNT&account=GBS6VGR6UJYKXEPTPSU4CTPY7GFRLO4BYXFTJH3RHX4V2WIQHSRKEKKB&email_address=pgray@email.com&full_name=Polly%20Gray&amount=1000
| Name | Description |
|---|---|
| asset_code | asset code to deposit (NGNT) |
| amount | Amount to deposit |
| account | Stellar public key address |
| memo | Stellar memo (optional) |
| memo_type | Stellar memo type id, text, hash (option) |
| type | Type of deposit, either bank or card (optional) |
| email_address | Email address for notifications |
| full_name | First and last name |
A successful deposit request will return the following JSON encoded response
HTTP 200 OK
{
eta: '2 minutes',
min_amount: 200,
fee_fixed: 100,
how: 'Please transfer your funds to Cowrie Integrated Systems account at GTBank. The account number is 0174408645. Your deposit reference is 043558D, please put this as your transfers remarks/memo.',
extra_info :
{
bank_name: 'Guaranty Trust Bank',
account_name: 'Cowrie Integrated Systems Limited',
account_number: '0174408645',
deposit_ref: '043558D'
}
}| Response Fields | Description |
|---|---|
| eta | Expected Time of Arrival |
| min_amount | The minimum acceptable deposit amount |
| fee_fixed | Fee charged for this deposit |
| how | Deposit instructions |
| extra_info | Deposit details |
| bank_name | Bank name to transfer deposit |
| account_name | Bank account name to transfer deposit |
| account_number | Bank account number to transfer deposit |
Launch your internet banking website or mobile banking app and make a transfer using these details
- Bank Name: Guaranty Trust Bank
- Account Name: Cowrie Integrated Systems Limited
- Account Number: 0174408645
- Narration/Description/Remarks: 043558D
Call this endpoint to initiate a withdrawal
https://api.cowrie.exchange/transfer/withdraw?asset_code=NGNT&account=GBS6VGR6UJYKXEPTPSU4CTPY7GFRLO4BYXFTJH3RHX4V2WIQHSRKEKKB&dest=0005538936&dest_extra=000013
| Name | Description |
|---|---|
| asset_code | Asset code to withdraw (NGNT) |
| account | Stellar public key address that initiates the withdaw request |
| dest | 10 digit nuban account number |
| dest_extra | 6 digit bank sort code |
| memo | Stellar memo (optional) |
| memo_type | Stellar memo type id, text, hash (option) |
| type | Type of deposit, either bank or card (optional) |
| email_address | Email address for notifications (optional) |
A successful withdraw request will return the following JSON encoded response
HTTP 200 OK
{
account_id: 'GBQZOJE2GWJU5VBT6NBLD2F3IOVOYUBDAXYUU32XMHDF4RMDOURWV3GT',
memo_type: 'text',
memo: '0000130005538936',
eta: 120,
min_amount: 100,
fee_fixed: 200
}| Response Fields | Description |
|---|---|
| account_id | Stellar public key to send the withdrawal payment |
| memo_type | Stellar memo type |
| memo | Bank account name |
| eta | Expected Time of Arrival |
| min_amount | Minimum withdrawal amount |
| fee_fixed | Fee charged for this transaction |
To credit account: GTBank account 0005538936 from your XLM wallet, send a payment with the following details
- Address: GBQZOJE2GWJU5VBT6NBLD2F3IOVOYUBDAXYUU32XMHDF4RMDOURWV3GT
- Memo: 0000130005538936
The 6 digit bank sort codes are listed here. The bank_code parameter must be from this list.
| Bank | Sort Code |
|---|---|
| AccessBank | 000014 |
| CitiBank | 000009 |
| DiamondBank | 000005 |
| Ecobank | 000010 |
| EnterpriseBank | 000019 |
| FCMB | 000003 |
| FidelityBank | 000007 |
| FirstBank | 000016 |
| GTBank | 000013 |
| Heritage | 000020 |
| KeystoneBank | 000002 |
| SkyeBank | 000008 |
| Stanbic | 000012 |
| StandardChartered | 000021 |
| SterlingBank | 000001 |
| UBA | 000004 |
| UnionBank | 000018 |
| UnityBank | 000011 |
| WemaBank | 000017 |
| ZenithBank | 000015 |
A failed request for any of the APIs will result in one of the following HTTP response error codes.
| HTTP Code | HTTP Status | Description |
|---|---|---|
| 400 | Bad Request | one or more query parameters is incorrect |
| 404 | Not Found | Asset code not available |
| 500 | Server Error | the server encountered an error |