Why Pulse

Pulse is a settlement and orchestration layer for stablecoin-to-fiat payments. Your users pay in stablecoin; you receive fiat where you need it — NGN to a user’s named virtual account, USD to your omnibus — confirmed by signed webhooks, with your brand on every screen. You integrate once on the backend; Pulse owns the banking, on-chain, and settlement rails underneath. It’s built for teams — fintechs, exchanges, and businesses — that need a settlement layer without building banking, on-chain, and compliance rails themselves. Everything below is a capability you can verify in these docs; each section links to the page that demonstrates it.

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Funds in your user’s name, not a pooled omnibus

The naira gate provisions a named virtual account per user — identity (bvn, nin) travels server-to-server and never reaches the browser — so your customer receives funds into an account in their own name, not a pooled balance you have to reconcile yourself. The usd gate settles to your omnibus for the simplest path.

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One integration, your brand on every screen

Four rendering models — in-app component, embedded iframe, hosted page, and headless — all drive the same backend order, minted once with pulse.collectionSessions.create. You pick the control-versus-effort tradeoff; the money moment always wears your brand, never Pulse’s.

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Settlement you can build a ledger on

Every settlement is signed, idempotent, and quote-locked, with per-order deposit attribution and deterministic handling of under- and overpayment. Crediting is driven off one source of truth — a verified disbursement.completed webhook — so your ledger stays correct under retries, duplicate clicks, and at-least-once delivery.

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Deep, aggregated liquidity

Rates and fills come from an aggregated liquidity network rather than a single desk. You preview a live rate, lock it to a quote, and transact at exactly that price.

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Licensing and registrations

Pulse operates under SEC Nigeria ARIP/DAI (approved in principle), with ADGM registration and a DIFC registered office. For partners, these shorten the compliance conversation.

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Supported stablecoins

Pulse Collect supports USDC and USDT on Ethereum, Base, and Polygon, handled through a single backend integration.

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Backed by Tether, built on WDK

Tether is a strategic investor and technology partner, contributing liquidity and infrastructure to the settlement layer beneath Pulse.

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Start building