Stablecoin API v1.0.6 — Release Notes

🚀 Stablecoin API Update v1.0.6 is now live! 🎉

This release adds six preview off-ramp currencies in Production — 🇹🇿 TZS, 🌍 XOF (West Africa), 🌍 XAF (Central Africa) and 🇳🇵 NPR, alongside the 🇿🇲 ZMW and 🇺🇬 UGX schemas — and clarifies the USD international wire field rules.

✨ What's New

• 🇹🇿 TZS (Tanzanian Shilling) — preview, mobile money & bank account rails
• 🌍 XOF (West African CFA Franc) — preview, mobile money in 🇧🇯 BJ, 🇧🇫 BF, 🇨🇮 CI, 🇸🇳 SN; bank transfers in CI & SN
• 🌍 XAF (Central African CFA Franc) — preview, mobile money in 🇨🇲 CM, 🇬🇦 GA, 🇨🇬 CG; bank transfers in CM only
• 🇳🇵 NPR (Nepalese Rupee) — preview, fixed-field bank account
• 🇿🇲🇺🇬 ZMW & UGX request/response schemas now documented (still preview)
• 🇺🇸 USD international wire — account_number / iban mutual exclusivity now documented
• 🔁 transfer_method now returned on USD remote bank account responses
• 🔗 completion_redirect_url on the Plaid bank link request

⚠️ New Currencies Are Preview — Available in Production

TZS, XOF, XAF, NPR, ZMW and UGX are live in both Sandbox and Production. The request and response schemas documented below are stable, so you can integrate against them now.

These are preview corridors, which means they are enabled per merchant rather than on by default. Please talk to your Bakkt contact to have them switched on for your account, and to agree limits before you send production traffic.

All currency schemas below are available on both the user and corporate remote bank account endpoints:

POST /stablecoin/user/bank-account/remote
POST /stablecoin/corporate/{corporate_uuid}/bank-account/remote

🇹🇿 Tanzanian Shilling (TZS) — Preview

TZS off-ramps use the same mobile-wallet / bank-account rail model as KES, GHS, ZMW and UGX, on both the user and corporate endpoints.

The mobile money phone number is given in country calling code format without the leading plus.

Example — mobile wallet

{
  "account_details": {
    "currency": "TZS",
    "is_mobile_wallet": true,
    "recipient_phone_number": "255754123456"
  }
}

Example — bank account

{
  "account_details": {
    "currency": "TZS",
    "is_mobile_wallet": false,
    "account_number": "0150123456700",
    "swift_code": "CORUTZTZXXX"
  }
}

Supported mobile money operators include Vodacom M-Pesa, Airtel and Tigo. Retrieve the live list with GET /stablecoin/banks?currency=TZS.

🌍 West African CFA Franc (XOF) — Preview

XOF is shared by the eight WAEMU countries, so coverage differs by country rather than by currency. The recipient's country is derived from the account details — you do not pass it separately.

Guinea-Bissau, Mali, Niger and Togo use XOF but are not currently supported.

Rails

• Mobile wallet — the country comes from the dialling code of recipient_phone_number, which must be in international format with a leading plus and resolve to BJ (+229), BF (+226), CI (+225) or SN (+221).
• Bank account — the country comes from account_number, which is either a 24-character WAEMU RIB or the equivalent 28-character IBAN, and must resolve to CI or SN. swift_code and bank_name are optional and only used to help resolve the bank when the account number is ambiguous.

⚠️ XOF has no minor unit, so payout amounts must be whole numbers.

Example — mobile wallet

{
  "account_details": {
    "currency": "XOF",
    "is_mobile_wallet": true,
    "recipient_phone_number": "+221771234567"
  }
}

Example — bank account

{
  "account_details": {
    "currency": "XOF",
    "is_mobile_wallet": false,
    "account_number": "CI93CI0080111301134291200589",
    "swift_code": "ECOCCIAB",
    "bank_name": "Ecobank"
  }
}

Supported mobile money operators include MTN, Moov, Orange and Wave. Retrieve the live list with GET /stablecoin/banks?currency=XOF.

🌍 Central African CFA Franc (XAF) — Preview

XAF is also shared by several countries, but unlike XOF the recipient's country is required and cannot be inferred from the currency.

Rails

• Mobile wallet — available in CM, GA and CG. Supply recipient_phone_number including the country dialling code.
• Bank account — available in Cameroon only, so country must be CM. Account numbers are the 23-digit Cameroon RIB (5-digit bank code, 5-digit branch code, 11-digit account number and a 2-digit key). swift_code is optional, since many Central African banks do not publish one.

Example — mobile wallet

{
  "account_details": {
    "currency": "XAF",
    "country": "CM",
    "is_mobile_wallet": true,
    "recipient_phone_number": "237651234567"
  }
}

Example — bank account

{
  "account_details": {
    "currency": "XAF",
    "country": "CM",
    "is_mobile_wallet": false,
    "account_number": "10005000112345678901234",
    "bank_code": "85526075",
    "swift_code": "ECOCCMCX"
  }
}

Supported mobile money operators include MTN, Orange, Moov and Airtel. Retrieve the live list with GET /stablecoin/banks?currency=XAF.

🇿🇲🇺🇬 ZMW & UGX Schemas Now Documented — Still Preview

ZMW and UGX were announced as preview currencies in v1.0.5 and remain preview, available in Production to merchants who have been enabled for them — as described in v1.0.5. Their full request and response schemas are now published in the API reference, alongside:

• account_details variants for both the mobile wallet and bank account rails
• Inclusion in the exchange rate, fee estimate and fee override currency enums
• GET /stablecoin/banks?currency=ZMW / ?currency=UGX for the supported bank and mobile money operator list
• RTGS documented as the supported payment_method for ZMW and UGX on GET /fees and GET /onramp/indicative

🇳🇵 Nepalese Rupee (NPR) — Preview

NPR is available as a preview off-ramp currency and uses the fixed-field bank account shape.

Required fields

currency, account_number, swift_code, bank_name, recipient_relationship, remittance_purpose

Example

{
  "account_details": {
    "currency": "NPR",
    "account_number": "0123456789012",
    "swift_code": "NBOCNPKA",
    "bank_name": "NEPAL BANK LIMITED",
    "recipient_relationship": "Self",
    "remittance_purpose": "Gift"
  }
}

🇺🇸 USD International Wire — Mutual Exclusivity Clarified

The INT_WIRE rules are now stated explicitly: provide swift_code plus exactly one of account_number or iban — the two are mutually exclusive — and routing_number must not be provided.

To reflect this, account_number has been dropped from the schema-level required list on the USD — International Wire (Account Number) variant, since requiring it there conflicted with the IBAN alternative.

⚠️ This is a documentation correction, not a relaxation — you must still supply one of account_number or iban. Existing payloads continue to work unchanged.

🔁 Remote Bank Account Response Changes

transfer_method returned for USD accounts

USD remote bank account responses now include transfer_method, echoing the payment rail the account was registered with (ACH, WIRE, INT_WIRE or INSTANT_PAYMENT). It is null for accounts created before the rail was persisted.

Removed response fields

Two deprecated fields that were never populated have been removed from remote bank account responses:

This is a documentation correction — the API never returned values for these fields, so there is no behaviour change. The unused recipient_bank_address → beneficiary_bank_address request field mapping has been removed alongside it.

🏢 Corporate Bakkt Account Closure — Now in the API Reference

The corporate Bakkt bank account closure endpoint announced in v1.0.5 is now documented in the API reference:

POST /stablecoin/corporate/{corporate_uuid}/bank-account/bakkt/{account_uuid}/close

🔗 Plaid Bank Link — completion_redirect_url

PUT /stablecoin/user/linked-bank-account/link now accepts an optional completion_redirect_url. When provided, this HTTPS URL is where the user is redirected after completing Plaid Hosted Link, replacing the merchant Plaid redirect URL or the default for that session.

{
  "currency": "USD",
  "completion_redirect_url": "https://your-app.example.com/bank-link/complete"
}

📖 Documentation Fixes

• 🇳🇬 The NGN bank_code example has been corrected from NBP to a valid 3-digit code (058).
• 🏦 Common mobile money operators are now listed per currency in the supported assets guide, with a pointer to GET /stablecoin/banks?currency=… for the live, authoritative list.

🙌 Let us know if you need help enabling the new preview corridors or integrating these updates!