Accept USDC / USDT Without Running Your Own Wallet Infrastructure (Afriex API)

Stablecoins are becoming core infrastructure for global payments.

But building with them usually means:

• managing private keys
• running indexers
• tracking on-chain activity

That’s a lot of overhead.

In this guide, you’ll learn how to accept USDC / USDT without running your own custody infrastructure, using the Afriex API.

What You’ll Build

• A backend endpoint that returns deposit instructions (address + network)
• A webhook system to confirm payments reliably
• A production-ready flow using idempotency and retries-safe logic

The Mental Model

Stop thinking:

“I need to manage wallets”

Start thinking:

“I’m building on payment rails”

With Afriex:

• You don’t generate private keys
• You don’t run blockchain infrastructure

• You rely on Afriex for:

  • deposit attribution
  • transaction state
  • settlement

Your job is to:

• create a payment / invoice object
• show deposit instructions
• confirm payments via webhooks

Step 0 — Setup API Access

Base URLs

• Sandbox: https://sandbox.api.afriex.com
• Production: https://api.afriex.com

Environment Variables

AFRIEX_API_BASE_URL="https://api.afriex.com"
AFRIEX_API_KEY="your-api-key"
AFRIEX_WEBHOOK_PUBLIC_KEY="your-public-key"

Example Request

curl -sS -G "https://api.afriex.com/api/v1/org/balance" \
  -H "x-api-key: YOUR_AFRIEX_API_KEY"

Step 1 — Create Your Payment Object

Afriex does not create payment links for you.

You define your own invoice / payment intent:

{
  id: "internal_id",
  reference: "unique_reference",
  asset: "USDC",
  amount: 100,
  status: "pending",
  expiresAt: Date
}

Tip: Make reference globally unique and reuse it across retries.

Step 2 — Get Deposit Address

Endpoint

GET /api/v1/payment-method/crypto-wallet

Example

curl -sS -G "https://api.afriex.com/api/v1/payment-method/crypto-wallet" \
  -H "x-api-key: YOUR_API_KEY" \
  --data-urlencode "asset=USDC"

Response

{
  "data": [
    { "address": "0x...", "network": "ETHEREUM_MAINNET" },
    { "address": "TY...", "network": "TRON_MAINNET" }
  ]
}

Backend Example

const wallet = await fetch(url).then(res => res.json())

const preferred =
  wallet.data.find(w => w.network === "ETHEREUM_MAINNET") ??
  wallet.data[0]

return {
  address: preferred.address,
  network: preferred.network,
  asset: "USDC"
}

Important Note

This endpoint is:

Production only

It does not work in sandbox.

Step 3 — Display Payment Instructions

Your UI should show:

• Asset (USDC / USDT)
• Network
• Address (copy + QR)

Also include:

Sending on the wrong network may result in lost funds

Step 4 — Confirm Payments (Webhooks)

This is the most important part.

Do NOT:

• rely on user confirmation
• rely on block explorers

Use Afriex webhooks.

Webhook Setup

• Configure your webhook URL in the dashboard
• Copy your webhook public key
• Allowlist Afriex IPs

Signature Verification

import crypto from "crypto"

function verifySignature(signature, rawBody, publicKey) {
  const verifier = crypto.createVerify("RSA-SHA256")
  verifier.update(rawBody)
  return verifier.verify(publicKey, signature, "base64")
}

Important: verify the raw request body, not parsed JSON.

Events

• TRANSACTION.CREATED
• TRANSACTION.UPDATED

Logic

if (event === "TRANSACTION.UPDATED" && status === "SUCCESS") {
  markInvoiceAsPaid()
}

Ensure this operation is idempotent.

Step 5 — Idempotency

Outbound

Use:

{
  "meta": {
    "reference": "invoice_123",
    "idempotencyKey": "idem_invoice_123"
  }
}

Inbound

Webhooks may retry.

Ensure:

• no duplicate credits
• safe re-processing

Use database constraints or “update-if-not-paid” logic.

Step 6 — Reconciliation

Use Afriex APIs for support and debugging:

• Get transaction
• List transactions
• Get balance

⚠️ Common Pitfalls

1. Crypto Wallet Not Working in Dev

→ It’s production only

2. Wrong Network Deposits

→ Only present one supported network

3. Webhook Verification Fails

→ Use raw body + correct public key

4. Duplicate Credits

→ Fix with idempotency

Why This Matters

Stablecoins are becoming:

Core rails for global payments

The real opportunity isn’t just using them.

It’s building systems on top of them.

Summary

With Afriex, you can:

• Accept USDC / USDT
• Avoid custody complexity
• Use webhooks for reliable confirmation
• Build production-ready payment systems

Final Thought

Afriex gives you the rails.

You build the product.