PROD003 — Xtrm API - XAPI

Last updated: August 26, 2026

What is XAPI™?

XAPI™ is Xtrm's payments API. It lets developers, platforms, and enterprise software programmatically embed global inbound collections (AnySource™), digital wallet management, and cross-border mass payouts (AnyPay™) directly into custom web or mobile applications. 

At a Glance

  • Full platform coverage. Anything you can do in the Xtrm dashboard — fund, hold, convert, and pay out — you can do over the API.

  • White-label. Keep your own branding end to end, or hand recipients off to an Xtrm-hosted flow.

  • Full sandbox. A dedicated test environment for building and validating before you touch production money.

  • Self-serve or managed. Let your customers and partners self-serve, or manage everything on their behalf.

What You Can Build

Capability

Typical use

User and beneficiary management

Create and verify payees, store payout preferences

Wallet operations

Create wallets, check balances, move funds between accounts

Inbound funding

Collect funds into company or user wallets

Currency exchange

Convert balances between supported currencies

Payout execution

Send via bank, wire, prepaid card, or recipient choice

Tax and compliance

Collect tax forms and retrieve compliance documentation

Reporting

Pull transaction history and status for reconciliation

Environments

Dashboard

API base URL

Sandbox

sandbox.xtrm.com

https://xapisandbox.xtrm.com/API/v4/Register/CreateUser

Production

xtrm.com

https://xapi.xtrm.com/API/v4/

The sandbox is a functional replica of production and supports the same endpoints.

Sandbox Behaviour

Two things to know before you test:

  • No money moves. The sandbox does not execute real payments. A transfer you submit will enter a pending state and stay there — that is expected, not a failed integration.

  • Test funds are provisioned for you. Once your IP addresses are approved, Xtrm credits your sandbox company account so you can run end-to-end tests.

Authentication and Access

XAPI™ uses API credentials issued per account, combined with IP whitelisting. Requests from an address you have not registered and had approved will be rejected, so plan for this in advance — allow time for approval.

Integration Workflow

  1. Create a sandbox account. Register at sandbox.xtrm.com.

  2. Generate API credentials. In your sandbox dashboard, go to Settings → Integrations → Get Credentials.

  3. Configure IP whitelisting. Submit your servers' outgoing IP addresses for sandbox access approval.

  4. Test your endpoints. Run end-to-end user creation, funding, and payment tests.

  5. Go live. Complete KYB/KYC verification, then swap your sandbox credentials for production API keys.

Developer Resources

Getting Help