API002 — Xtrm Payments API (XAPI) Integration Overview and Benefits

Last updated: September 1, 2026

We've developed the Xtrm API (XAPI) for you to integrate global rewards and payments into your system. This overview gives you an understanding of the types of calls possible with XAPI. You can explore the calls and responses you'll use while integrating XAPI into your site, mobile app, or platform. Don't hesitate to contact us with any questions at apisupport@xtrm.com.

Features and benefits

  • Embedded digital wallet (beneficiary API functions)

    • Single, secure, and tracked multi-currency digital wallet.

    • Multi-currency balance and exchange.

  • Embedded admin function (remitter API functions)

    • Access company accounts and balances.

    • Move and exchange currency (FX).

  • User choice on final payment destination

    • Bank ACH, bank wire, and digital prepaid Visa.

    • User bank connect for bank payments.

  • Sarbanes-Oxley compliance

    • Secure and tracked transactions allowing full audit compliance.

  • Global tax compliance (1099-K and equivalent)

    • Individual and company tax compliance. Online 1099-K and equivalent, with all documentation provided online, including transaction breakdown.

  • Private branding

    • Maintain your own or your customer's private branding.

  • Self-serve or managed

    • Allow customers or partners to self-serve, or provide additional services via the API or the standard user interface at xtrm.com.

  • Security and privacy

    • Guarantee a high level of security and privacy, including anti-money laundering and KYC validation for all transactions.

Greater choice + lower cost + operational efficiency + turnkey process + simple or shared fees = less worry + increased revenue.

Getting started

For more information, call 1-866-367-9289, option 2, email apisupport@xtrm.com, or request info and fill out our contact form.