Send to Africa with Zuba

Zuba is Privy’s preferred partner for African-corridor payouts. With Privy powering your wallets and Zuba handling the last mile, you can move stablecoins into local currency across Africa. This recipe walks through the full flow:

Create a wallet with Privy
Fund your Zuba account with USDC/USDT from that wallet
Call the Zuba Payout API to pay out across Africa
Track the payout to completion

Prerequisites

A Privy app with your App ID and App Secret from the Privy Dashboard
A Zuba account with API credentials (see Zuba Authentication)

Zuba uses OAuth 2.0 client credentials. Exchange your Client ID and Secret for a bearer token (valid 24 hours):

cURL

curl -X POST "https://zuba-test.us.auth0.com/oauth/token" \
  -H "Content-Type: application/json" \
  -d '{
    "client_id": "YOUR_ZUBA_CLIENT_ID",
    "client_secret": "YOUR_ZUBA_CLIENT_SECRET",
    "audience": "https://api.zuba.com",
    "grant_type": "client_credentials"
  }'

Use the returned access_token as Authorization: Bearer <token> on every Zuba request below.

1. Create a wallet with Privy

If your users already have Privy embedded wallets, skip ahead. Any Privy wallet holding USDC or USDT works. To create a server wallet:

cURL

curl -X POST "https://api.privy.io/v1/wallets" \
  -u "PRIVY_APP_ID:PRIVY_APP_SECRET" \
  -H "privy-app-id: PRIVY_APP_ID" \
  -H "Content-Type: application/json" \
  -d '{"chain_type": "ethereum"}'

See Privy wallet docs for embedded and user-owned wallet setups.

2. Fund your Zuba account

Provision a deposit address on the network you want to fund from:

cURL

curl -X POST "https://api.zuba.com/v1/deposits/crypto-address" \
  -H "Authorization: Bearer YOUR_ZUBA_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{"network": "eip155:1"}'

Response

{
  "network": "eip155:1",
  "address": "0x1234567890abcdef1234567890abcdef12345678"
}

The address is reusable, so you can send to it as many times as you like. For EVM networks, the same address is valid on all supported EVM chains. Supported networks and tokens:

Network	`network` value	Tokens
Ethereum	`eip155:1`	USDC, USDT
Base	`eip155:8453`	USDC
Solana	`solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp`	USDC, USDT
Tron	`tron:mainnet`	USDT

Now send USDC/USDT from your Privy wallet to that address using Privy’s transaction APIs. See sending transactions on Ethereum or Solana. Once the transfer confirms on-chain, the funds appear on your Zuba balance:

cURL

curl -X GET "https://api.zuba.com/ledger/balances" \
  -H "Authorization: Bearer YOUR_ZUBA_TOKEN"

3. Pay out across Africa

One request does it all: pass the beneficiary’s local payment details inline. inputCurrency is the balance you’re paying from (your USDC/USDT), while currency and amount are what the beneficiary receives. Zuba handles the conversion:

cURL

curl -X POST "https://api.zuba.com/v1/payouts" \
  -H "Authorization: Bearer YOUR_ZUBA_TOKEN" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: 8f7d2a4e-payout-001" \
  -d '{
    "clientRef": "PAYOUT-001",
    "amount": "150000.00",
    "inputCurrency": "USDC",
    "currency": "NGN",
    "route": "bank_transfer",
    "beneficiary": {
      "name": "Amara Okafor",
      "country": "NG",
      "accounts": [
        {
          "type": "bank_account",
          "currency": "NGN",
          "data": {
            "bankCode": "044",
            "crAccount": "1234567890"
          }
        }
      ]
    },
    "reference": "Salary March",
    "description": "Monthly payroll"
  }'

For repeat payouts, create the beneficiary once via POST /v1/beneficiaries and reference it with "beneficiary": { "id": "..." }. Use route: "mobile_money" for mobile money corridors (GHS, XOF, XAF). Field requirements per corridor are available at GET /v1/payouts/requirements and in the Zuba payout docs.

4. Track the payout

cURL

curl -X POST "https://api.zuba.com/v1/webhooks" \
  -H "Authorization: Bearer YOUR_ZUBA_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{"url": "https://yourapp.com/webhooks/zuba", "events": ["payout.paid", "payout.failed"]}'

Event payload

{
  "id": "evt_a1b2c3d4-e5f6-7890-abcd-ef1234567890",
  "type": "payout.paid",
  "createdAt": "2026-03-23T14:30:00.000Z",
  "data": {
    "id": "pay_abc123",
    "clientRef": "PAYOUT-001",
    "amount": "150000.00",
    "currency": "NGN",
    "status": "paid"
  }
}

Verify deliveries with the X-Zuba-Signature header (see Zuba webhook docs). You can also poll GET /v1/payouts/{id}.

Test it in sandbox

Everything above works against https://api.sandbox.zuba.com with sandbox credentials. Magic beneficiary account numbers give deterministic outcomes (0000000000 → paid, 0000000001 → failed). See the sandbox testing guide. That’s it: a Privy wallet, one deposit address, and one API call to reach bank accounts and mobile money wallets across Africa.

​Prerequisites

​1. Create a wallet with Privy

​2. Fund your Zuba account

​3. Pay out across Africa

​4. Track the payout

​Test it in sandbox

Prerequisites

1. Create a wallet with Privy

2. Fund your Zuba account

3. Pay out across Africa

4. Track the payout

Test it in sandbox