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Noah Business API

website·Indexed 34 days ago

https://docs.noah.com

A payment infrastructure platform enabling consumer and institutional payment rails in local fiat currencies, bitcoin, and stablecoins. The Business API provides solutions for automated payouts, virtual account pay-ins, global payouts across 120+ fiat currencies, and a KYC platform integrated with Sumsub. It features a REST-based API with request signing, webhooks for real-time transaction notifications, and a Dynamic UI API for frontend control.

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What's inside Noah

  1. Overview of Hosted Fiat Payout Sessions

    A Hosted Fiat Payout Session provides a secure, end-to-end checkout flow for customers to offramp cryptocurrency into fiat currency. The solution manages KYC verification, payment method selection, and transaction monitoring. Users can track accounts, transactions, and customers, and download reports via the Noah Business Dashboard.

  2. Overview of Bank Onramp via USD Virtual Account

    The Bank Onramp workflow assigns a unique bank account number (e.g., ACH routing number) to customers for repeatable fiat deposits. These deposits are automatically converted into a specified cryptocurrency and can optionally be withdrawn to a customer's destination address.

    Key Constraints:

    • USD Virtual Accounts are only compatible with the Standard Model KYC. Reliance Model customers cannot use this feature.
    • Compatible with Hosted Onboarding and Token Share Onboarding.
    • Conversions from USD to cryptocurrency are irreversible once sent on-chain.

  3. Overview of the Noah Business Dashboard

    The Noah Business Dashboard is a management interface for monitoring users and payment activities. Key capabilities include:

    • Transaction and customer overviews.
    • API key and webhook management.
    • Real-time balance tracking for cryptocurrencies (e.g., BTC, USDC). Note: In the Sandbox environment, cryptocurrencies use a _TEST suffix (e.g., BTC_TEST, USDC_TEST).
    • Transaction detail panels covering conversion workflows, fees, and settlement.
    • Account management for deposits, withdrawals, and customer transactions.

  4. Overview of Noah Global Payout capabilities

    Noah's Global Payout solution enables the conversion of cryptocurrency and stablecoins into fiat currency for distribution via local payment methods. The service handles global compliance, payment provider relationships, real-time currency exchange, KYC processing, risk monitoring, and settlement processing.

    Users maintain control over:

    • Fee structures (absorbing costs or passing them to customers)
    • Payment routing and channel selection
    • User flow and brand experience
    • Funding preferences (direct crypto settlement or customer-triggered)
    • Reconciliation and accounting data access.

  5. Overview of Direct Payouts to Individual Customers

    The Payout API allows for the conversion of cryptocurrency into fiat payments delivered directly to individual bank accounts. Supported payment methods include ACH transfers, wire transfers, and tokenized cards. The primary endpoint for executing these payouts is POST /transactions/sell.

  6. Overview of NOAH Webhooks

    Webhooks provide real-time HTTP notifications for events related to hosted customer onboarding, transactions, and deposits. There are three primary event types:

    • Customer Events: Triggered upon completion of hosted onboarding or changes in onboarding status.
    • Fiat Deposit Events: Triggered when a customer performs a fiat deposit to an assigned bank account, or when Status, Refunds, SubStatus, or RFI change.
    • Transaction Events: Triggered when a transaction is created or when Status, Refunds, SubStatus, or RFI change.

  7. Overview of Noah Business Solutions

    Noah provides payment infrastructure for consumers and institutions to handle transactions in 120+ local fiat currencies, Bitcoin, and stablecoins. The platform offers a Business API for custom integrations and a Hosted Checkout for a managed payment interface. Key capabilities include unified integration for multiple payment methods (Card, Bank Transfer, Mobile Money), built-in KYC/AML compliance frameworks, and fast settlement options using stablecoins.

  8. Overview of Full Liquidation Payout workflow

    The Full Liquidation Payout workflow uses the POST /workflows/onchain-deposit-to-payment-method endpoint to automatically sell the entire amount of deposited cryptocurrency as a fiat payout.

    Key characteristics include:

    • Use of SingleOnchainDepositSourceTriggerInput or PermanentOnchainDepositSourceTriggerInput where the FiatAmount field must be omitted.
    • The final sold amount is determined by the actual deposit received, not by a pre-defined estimate.
    • The payout destination is defined during the sell/prepare step via a PaymentMethodID or form data.

  9. Overview of Direct Payouts to US Businesses

    The Payout API allows for the conversion of cryptocurrency into fiat payments delivered directly to US business bank accounts. Supported payment methods include ACH transfers, wire transfers, and tokenized cards. The primary endpoint for executing these payouts is POST transactions/sell.

  10. Overview of Noah Automated Payouts

    Noah's Automated Payout solution automates the conversion of cryptocurrency deposits into local fiat payments worldwide. The system detects when crypto or stablecoins arrive at a designated wallet address and instantly triggers a local fiat payout to a chosen destination based on predefined smart payment rules. This eliminates manual processing, reduces settlement times from days to minutes, and supports payouts in 60+ countries.

  11. Overview of Noah Hosted Onboarding

    Noah Hosted Onboarding is designed for non-licensed payment providers operating in Standard Model KYC scenarios. Noah establishes direct contractual relationships with end customers and manages all KYB/KYC verification and Terms and Conditions acceptance. This allows providers to maintain regulatory compliance without requiring their own licenses.

  12. Overview of NOAH Virtual Accounts

    A virtual account in NOAH is a set of bank payment methods (such as IBAN or ACH routing details) assigned to a customer. These accounts are used to facilitate fiat-to-crypto conversions via the Bank Onramp product.