Security and compliance
Sanctions screening, KYB, a full audit trail and suspicious-transaction reporting, wired into every flow. AML and security controls for stablecoin payments in Africa.
Account and access
We verify your business before enabling live operations.
Each key carries fine-grained scopes, separate for production and test.
Dashboard access is protected with a second factor.
Control what each team member can see and do.
Compliance and AML
The origin address of every deposit is screened against sanctions lists before it is credited or swept.
Addresses are screened against the major lists (OFAC, UN, EU), refreshed on a schedule.
If screening cannot run, funds are held rather than released.
Every screening decision and sensitive action is recorded as an audit event.
Generate suspicious-transaction report worksheets to complete and file with national financial intelligence units (CENTIF in Benin, NFIU in Nigeria).
We verify the business and identify ultimate beneficial owners at the start of the relationship.
Withdrawal controls
Payouts only go to addresses you have pre-approved.
New destinations wait before they can receive funds.
Cap how much can leave per transaction and per day, per asset.
Risky destinations are held for review before sending.
Integration integrity
Every event is signed so you can verify it came from CowriePay.
Rotate secrets with an overlap window, with no missed deliveries.
Safe retries, with no duplicate payouts.
Sandbox and production data never mix.