---
title: "Daya: Cross-Border Payments, FX, Stocks and Crypto"
description: "Receive USD and EUR, buy global stocks and crypto, pay suppliers abroad, and build on payments APIs with live NGN to USDC FX in Nigeria."
canonical_url: "https://liners.com/daya"
markdown_url: "https://liners.com/daya.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/daya/screenshot.webp?v=1782406445039"
published_at: "2026-06-27T00:22:41.139Z"
updated_at: "2026-10-06T16:49:41.656Z"
---

# Daya: Cross-Border Payments, FX, Stocks and Crypto

Receive USD and EUR, buy global stocks and crypto, pay suppliers abroad, and build on payments APIs with live NGN to USDC FX in Nigeria.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Daya](/daya)

## Summary

Payments, FX, stablecoins, and global investing for Africa

A Nigerian fintech offering USD and EUR accounts, global stocks, crypto, cross-border business payments, and payments APIs for individuals, businesses, and developers.

## Product details

| Field | Value |
| --- | --- |
| Website | https://daya.co/ |
| Tagline | Payments, FX, stablecoins, and global investing for Africa |
| Primary country | Nigeria |
| Platforms | Web, API, Android, iOS |
| Average rating | 5 |
| Published reviews | 1 |
| Verified listing | Yes |

## About the product

Daya is a Nigerian financial technology company that builds money tools for **individuals**, **businesses**, and **developers** in Africa, combining **cross-border payments**, **real-time FX**, **stablecoin rails**, and **global investing**.

Key products include:

- **Daya Borders** for freelancers and professionals to receive international income in **USD and EUR**, with **0% fees on incoming USD and EUR transfers**
- **Daya Stocks** to buy **global stocks** without a foreign brokerage account, and **Coins by Daya** to buy crypto funded in **naira**
- **Daya Business** for importers, exporters, and startups to hold **multi-currency balances**, pay suppliers abroad, collect payments, **issue cards**, and **access credit**, plus **Pro by Daya** for on-ramp and smart routing with institutional liquidity
- **Daya API** for fintechs and developers to add **funding accounts**, **bank-transfer and crypto-address collection**, **live FX quotes** (including NGN to USDC), and **payouts** to their own products

Available on **Web**, **Android**, and **iOS** through separate Daya Business, Borders, Stocks, and Coins apps, with **API** documentation at docs.daya.co.

It serves Nigerians who earn or invest globally, African businesses that pay and get paid across borders, and fintechs building on its payment rails.

Based in **Lagos**, Daya lists backing from **Hivemind Capital**, **Alliance**, and **Lattice Fund**, and publishes AML and KYC policies on its site.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [Cross-Border Payments](/tags/cross-border-payments): Product feature or technology
- [Investments](/tags/investments): Product feature or technology
- [Multi-currency](/tags/multi-currency): Product feature or technology
- [Payment Gateway](/tags/payment-gateway): Product feature or technology
- [Stablecoins](/tags/stablecoins): Product feature or technology
- [Virtual Cards](/tags/virtual-cards): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/daya/alternatives)
- [Reviews](/daya/reviews)
- [Transparency](/daya/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/daya)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)