Multi-currency wallets, on one ledger.
Hold naira, US dollars, pounds, euros and Ghanaian cedis for every customer through a single API. One ledger across all of them, so a balance, a transfer and a swap read the same whichever currency they are in.
Five currencies, one balance sheet
A customer on the TwelveAI rails can hold a wallet in the Nigerian naira, the US dollar, the pound sterling, the euro and the Ghanaian cedi. Every wallet posts to the same double-entry ledger, so reconciliation is one query rather than five systems compared by hand.
Naira is the base. It is the currency a first wallet opens in, and the one a dedicated Nigerian account number is issued against. The rest you turn on for your workspace when your product needs them.
You choose what your customers can hold
Each workspace decides which currencies its customers may open wallets in. A fintech serving only Lagos stays on naira. One serving the diaspora turns on dollars, pounds and euros. One expanding into Accra adds cedis without standing up a second stack.
One rule is enforced for you: a currency that already holds money cannot be switched off, down to a single minor unit. A setting can never hide a balance that belongs to a customer.
Reachable by conversation or by API
Every wallet is readable and movable the same two ways as the rest of the rails: a plain REST call with your API key, or a customer simply saying what they want and an agent doing it within your policy.
"What is my dollar balance?" and GET /v1/rails/customers/:id/balances answer from the same ledger, with the same numbers.
What each currency is for
Nigerian naira (NGN)
Dedicated account numbers, transfers to any Nigerian bank with name verification, and bill payments.
US dollar (USD)
Dollar balances for customers who earn, save or spend abroad, with naira swaps at live rates.
Pound sterling (GBP)
Sterling balances for diaspora customers and businesses billing into the United Kingdom.
Euro (EUR)
Euro balances for customers trading with the eurozone, held alongside everything else.
Ghanaian cedi (GHS)
Cedi balances so a product built for Lagos works in Accra on the same rails.
One ledger under all of them
Every currency posts to the same double-entry ledger, with a statement, webhooks and an audit trail per wallet. Money moves on the naira rails today, with naira and dollars swapped at live rates.
Infrastructure, not a demo.
Everything here runs on the same platform we operate for real customers, grounded answers, gated writes, and a full audit trail.
- Nigerian naira (NGN). Dedicated account numbers, transfers to any Nigerian bank with name verification, and bill payments.
- US dollar (USD). Dollar balances for customers who earn, save or spend abroad, with naira swaps at live rates.
- Pound sterling (GBP). Sterling balances for diaspora customers and businesses billing into the United Kingdom.
- Euro (EUR). Euro balances for customers trading with the eurozone, held alongside everything else.
Open a wallet in five currencies.
Start in the sandbox with your own API key, no contract to sign first.