API Reference - Thiqwave

Overview

Thiqwave provides a RESTful API for pay-ins, payouts, bridging, swaps, and compliance operations. Whether you’re building a fintech platform, mobile wallet, or payment infrastructure, the Thiqwave API enables seamless value transfer across fiat and stablecoin channels.

Base URLs

Production:

https://api.thiqwave.com/v1/

Staging:

https://staging.api.thiqwave.com/v1/

Authentication

All API requests require the X-API-Key header:

curl -H "X-API-Key: your_api_key" https://api.thiqwave.com/v1/...

Treat your API key as sensitive. Use environment variables or secure vaults to manage credentials.

Amount Formats

Thiqwave uses two distinct amount formats to prevent rounding errors: Fiat currencies (AED, USD, EUR, GBP, etc.) are represented as integers in the smallest currency unit:

500 AED = 50000 (fils)
100 USD = 10000 (cents)
50 GBP = 5000 (pence)

Stablecoins (USDT, USDC, etc.) are represented as human-readable strings:

500 USDT = "500.00"
1000.50 USDC = "1000.50"

Idempotency

All mutating operations (POST requests) support the Idempotency-Key header to ensure safe retries:

curl -X POST \
  -H "X-API-Key: your_api_key" \
  -H "Idempotency-Key: unique_identifier" \
  https://api.thiqwave.com/v1/payins

If you retry a request with the same Idempotency-Key, you’ll receive the same response without duplicate processing.

Primary Endpoint

Transfers

Move value between any combination of fiat and stablecoin. On-ramp, off-ramp, bridge, swap, or fiat-to-fiat — one endpoint handles all flows.

Supporting Endpoints

Quotes

Get real-time rates before initiating a transfer.

Accounts & Wallets

Create and manage fiat accounts and stablecoin wallets.

Compliance

KYB verification and compliance status.

Partners

Manage your partner account and sub-partners.

Granular Endpoints

For advanced use cases where you need fine-grained control over individual transaction legs:

Pay-ins

Fiat deposits and stablecoin on-ramp.

Payouts

Fiat disbursements and stablecoin off-ramp.

Bridging

Cross-chain stablecoin transfers.

Swaps

Stablecoin-to-stablecoin conversion.

Choosing the Right Approach

You want to…	Recommended	Alternative
Move value (any source → any destination)	`POST /v1/transfers`	—
On-ramp fiat to stablecoin	`POST /v1/transfers`	`POST /v1/payins`
Off-ramp stablecoin to fiat	`POST /v1/transfers`	`POST /v1/payouts`
Bridge stablecoins across chains	`POST /v1/transfers`	`POST /v1/bridging`
Swap between stablecoins	`POST /v1/transfers`	`POST /v1/onchain-fx`
Fiat-to-fiat (stablecoin sandwich)	`POST /v1/transfers`	Compose pay-in + payout

Most integrations only need the Transfers endpoint. The granular endpoints are available for partners who need to manage individual transaction legs independently.

SDKs

Official SDKs are in active development. We prioritize SDK releases based on partner requirements — if you need a specific SDK, reach out and we’ll work with your timeline. The REST API is fully functional today from any language or platform.

Error Handling

The API returns standard HTTP status codes:

Status	Meaning
`200`	Success
`201`	Created
`400`	Bad request (validation error)
`401`	Unauthorized (invalid or missing API key)
`403`	Forbidden (insufficient permissions)
`404`	Not found
`409`	Conflict (e.g., duplicate idempotency key with different params)
`429`	Rate limited
`500`	Server error

Error responses include a structured JSON body:

{
  "error": {
    "code": "INVALID_AMOUNT",
    "message": "Amount must be greater than 0"
  }
}

Rate Limiting

API requests are rate-limited per API key. Check response headers for limits:

X-RateLimit-Limit: Requests per second
X-RateLimit-Remaining: Requests remaining
X-RateLimit-Reset: Unix timestamp when limit resets

Quote Lock

Quotes expire after 3 minutes. All pay-ins, payouts, and bridge transactions must reference a valid (non-expired) quote via quote_id.

Supported Networks

Thiqwave supports stablecoins across the following blockchain networks:

Ethereum (ethereum)
Avalanche (avalanche)
Arbitrum (arbitrum)
Base (base)
Polygon (polygon)
Tron (tron)
Stellar (stellar)
Solana (solana)
XRP Ledger (xrpl)
Algorand (algorand)
Sui (sui)

Supported Currencies

Fiat: AED, USD, EUR, GBP, and more
Stablecoins: USDT, USDC

Next Steps

Start with a Transfer quote, then create a Transfer. For advanced control over individual legs, explore Pay-ins, Payouts, Bridging, and Swaps.

​Overview

​Base URLs

​Authentication

​Amount Formats

​Idempotency

​Primary Endpoint