Connect PAI Exchange accounts, crypto trades, P2P orders and bank-transfer settlements to your stack — safely
PAI : Bitcoin, Tron, LTC y más (formerly "Pagos Al Instante" / "Instant Payments", in operation since February 2017) is a Latin American crypto exchange offering P2P commerce, automated conversion to USD, multi-chain deposits and bank-transfer buy/sell. We deliver authorized protocol analysis plus runnable APIs for account login, trade and statement export, balance sync and webhook notifications, modelled on Open Banking account-information and confirmation-of-funds patterns.
What we deliver
Every engagement ships as a self-contained package: a written protocol and authorization-flow report, an OpenAPI specification, runnable source code in Python or Node.js, automated tests, and a compliance note covering KYC tiers, FATF Travel Rule fields and data retention. You can run the code in your own environment, or call our hosted endpoints per request. We never ship vague scaffolding — each endpoint returns documented fields mapped to PAI screens you can see in the screenshots below.
Deliverables checklist
- API specification (OpenAPI / Swagger) for login, trades, P2P, balances, deposits and webhooks
- Protocol and auth-flow report (token issue / refresh / device-binding / KYC status chain)
- Runnable source for login, trade-history and statement-export APIs (Python / Node.js)
- Automated test suite, Postman collection and rate-limit / retry guidance
- Compliance guidance: KYC tiers, Travel Rule payloads, Dominican Republic VASP and Law 172-13 data-protection notes
Two engagement models
- Source-code delivery from $300 — you receive runnable API source code and full documentation; pay after delivery once you confirm it works against your target scenario.
- Pay-per-call API billing — call our hosted PAI integration endpoints and pay only for the requests you make, with no upfront fee; suited to teams that prefer usage-based pricing or a quick proof of concept.
- NDAs, scoped credentials and read-only access are standard; we can also hand the codebase to your own engineers with a walkthrough session.
Feature modules
Account & session API
Mirrors PAI's app authorization: issue and refresh access tokens, validate device binding, and read KYC tier and per-tier limits. Concrete use: gate a treasury dashboard so only verified PAI accounts can be linked, and surface "verification required" prompts before a withdrawal is attempted.
Trade & order history API
Returns Simple Exchange and PRO-mode fills with pair, side, price, quantity, fee, liquidity flag, timestamp and order status, plus the full P2P order lifecycle (open → escrow locked → fiat received → released → disputed). Concrete use: month-end reconciliation and capital-gains tax reporting for a Latin American SME holding crypto on PAI.
Multi-chain deposit / withdrawal ledger
Per-transaction records with on-chain tx hash, network (TRC20, BEP20, ERC20, Polygon, Avalanche, Manta Network, World Chain), confirmations, source/destination address and memo. Concrete use: a proof-of-reserves feed and an internal audit log that ties every withdrawal broadcast to its on-chain confirmation.
Balance & portfolio sync
Per-asset available and locked balances across 30+ coins — BTC, ETH, LTC, TRX, BNB, BCH, DASH, ZEC, ETC, DOGE, MATIC, USDT, plus emerging tokens such as BitTorrent, Shiba Inu, Toncoin, Dogs, Pepe and WorldCoin (WLD). Concrete use: a real-time net-worth widget that refreshes when a balance webhook fires.
USD auto-conversion & FX records API
Captures each "Automated Conversion to USD" event: trigger, source asset, USD output, applied rate and spread. Concrete use: hedging analytics and profit-and-loss attribution that separate trading gains from FX-stabilisation effects for users who keep balances in USD.
Bill-pay, airtime & webhooks
Exposes recharge, package and bill-payment receipts (operator, beneficiary MSISDN/account, amount, status) and emits webhooks for deposit.confirmed, order.matched, p2p.released and withdrawal.broadcast. Concrete use: expense categorisation for a telecom reseller and instant ledger updates without polling.
Data available for integration (OpenData perspective)
The table below maps PAI Exchange data to the screen or feature that produces it, the granularity you can expect, and the typical downstream use. It is derived from the app's published feature set and from public research on how Latin American crypto exchanges expose account-information data; exact fields are confirmed during protocol analysis.
| Data type | Source (screen / feature) | Granularity | Typical use |
|---|---|---|---|
| Spot & PRO trade fills | Simple Exchange / PRO mode | Per fill: pair, side, price, quantity, fee, timestamp, order id | Reconciliation, capital-gains tax, trade surveillance |
| P2P orders & escrow events | P2P Commerce | Per order plus status transitions and counterparty reference | AML/CTF monitoring, dispute analytics, merchant payout reconciliation |
| On-chain deposits / withdrawals | Wallet → Deposit / Withdraw (TRC20, BEP20, ERC20, Polygon, Avalanche, Manta, World Chain) | Per transaction: tx hash, network, confirmations, address, memo | Proof-of-reserves, audit trail, Travel Rule reporting |
| Asset balances | Portfolio / wallet | Per asset: available + locked, 30+ coins | Treasury dashboards, exposure and risk monitoring |
| USD auto-conversion records | "Automated Conversion to USD" toggle | Per conversion: source asset, USD output, rate, spread, timestamp | FX P&L attribution, hedging analytics, stablecoin accounting |
| Fiat bank-transfer settlements | Buy / Sell crypto via bank transfer | Per settlement: bank, amount, reference, status | Treasury, cash-flow reconciliation, fraud checks |
| Recharges, packages & bill-pay receipts | Recharges & services | Per transaction: operator, beneficiary, amount, status | Expense reporting, reseller settlement, anomaly detection |
| Account & KYC status | Profile / verification | Per user: KYC tier, limits, region | Onboarding gating, eligibility checks, compliance evidence |
Typical integration scenarios
Each scenario below is end-to-end: the business context, the PAI data or API involved, and how it maps onto OpenData, OpenFinance or OpenBanking concepts. Field and event names use the same vocabulary you will see in the delivered OpenAPI spec.
1. Crypto accounting & tax sync
Context: a Dominican SME uses PAI for treasury and needs clean books. Data: trade fills + deposit/withdrawal ledger + USD auto-conversion records, pulled with a read-only token. OpenFinance mapping: a one-time consent that behaves like an "account information" service, normalising records to a chart-of-accounts CSV/JSON that flows into the accounting tool nightly.
2. P2P marketplace risk monitoring
Context: a compliance team must watch peer trades for structuring. Data: P2P lifecycle events order.opened, escrow.locked, fiat.received, order.released, order.disputed plus bank-transfer references. OpenData mapping: a transaction-stream pattern feeding an AML rules engine and case-management queue.
3. Multi-exchange portfolio dashboard
Context: a retail user holds assets on PAI plus other venues. Data: PAI balances + trade history exposed through a unified adapter alongside other exchange connectors. OpenFinance mapping: an aggregation pattern with one scoped token per venue and a common balance/transaction schema.
4. Bill-pay & airtime reconciliation
Context: a telecom reseller routes top-ups through PAI's "Recharges, Packages and More". Data: bill-pay receipts + settlement-status webhooks (recharge.confirmed, recharge.failed). OpenData mapping: a merchant-settlement reporting feed reconciled against operator statements.
5. Proof-of-reserves & audit feed
Context: an external auditor verifies custody at period close. Data: on-chain withdrawal ledger + hot/cold address tags + balance snapshots. OpenBanking mapping: a confirmation-of-funds-style attestation extended to multi-chain crypto holdings, with timestamps and signatures.
Technical implementation
The snippets below are illustrative of the request/response shapes, authentication and error handling in a typical PAI Exchange integration. They are not copied from any private interface — final endpoints are confirmed during protocol analysis and delivered as an OpenAPI document.
1. Token exchange & KYC check
POST /api/v1/pai/auth/token
Content-Type: application/json
{
"grant_type": "authorization_code",
"code": "<AUTH_CODE>",
"device_id": "<DEVICE_FINGERPRINT>"
}
200 OK
{
"access_token": "<ACCESS_TOKEN>",
"refresh_token": "<REFRESH_TOKEN>",
"expires_in": 3600,
"kyc": { "tier": "verified", "daily_limit_usd": 5000, "region": "DO" }
}
2. Trade history with paging
GET /api/v1/pai/trades?pair=BTC-USDT&from=2026-04-01&to=2026-04-30&limit=100&cursor=<NEXT>
Authorization: Bearer <ACCESS_TOKEN>
200 OK
{
"items": [
{ "trade_id": "t_88421", "pair": "BTC-USDT", "side": "buy",
"price": "63912.40", "qty": "0.015", "fee": "0.14", "fee_asset": "USDT",
"mode": "pro", "ts": "2026-04-12T14:03:11Z", "status": "filled" }
],
"next_cursor": "<NEXT>"
}
3. Webhook subscription & sample event
POST /api/v1/pai/webhooks
Authorization: Bearer <ACCESS_TOKEN>
{
"url": "https://your-app.example/pai/hook",
"events": ["deposit.confirmed","p2p.released","withdrawal.broadcast"],
"secret": "<HMAC_SECRET>"
}
// Inbound event (verify X-PAI-Signature: HMAC-SHA256)
{
"event": "deposit.confirmed",
"network": "TRC20",
"asset": "USDT",
"amount": "250.00",
"tx_hash": "0x9f3c...",
"confirmations": 20,
"ts": "2026-05-02T09:21:44Z"
}
4. Error handling
// Standard error envelope
HTTP 429 Too Many Requests
{ "error": "rate_limited", "retry_after": 8 }
HTTP 401 Unauthorized
{ "error": "token_expired" } // → refresh, then retry once
HTTP 409 Conflict
{ "error": "kyc_required", "needed_tier": "verified" }
// Client rule: exponential backoff on 429/5xx,
// single refresh-and-retry on 401, surface 409 to the user.
Compliance & privacy
Regulatory alignment
We build only under client authorization or against documented public/authorized interfaces. Crypto-specific work follows the FATF guidance on virtual assets and its Travel Rule (originator/beneficiary data on transfers). Because PAI Exchange operates from the Dominican Republic, integrations also take into account the 2024 Dominican licensing framework for virtual-asset service providers and the country's personal-data law (Ley 172-13). For EU-resident users we apply GDPR-style consent and data-minimization, and we keep request logs and consent records as evidence.
Privacy controls in the build
- Read-only, scoped tokens by default; write actions require explicit opt-in
- Field-level minimization — pull only the columns a scenario needs
- Encryption in transit and at rest; secrets in a vault, never in code
- Configurable retention windows and a documented deletion path
- Audit log of every API call, mapped to the consenting account
Data flow / architecture
A typical PAI Exchange pipeline has four stages: (1) Client / PAI API — the mobile app session or authorized endpoints emit trades, P2P events, balances and deposits; (2) Ingestion connector — an OAuth-scoped collector with rate-limit handling, paging cursors and webhook receivers; (3) Normalization & storage — dedup, currency normalization and a canonical schema in an encrypted store (relational tables for ledgers, object storage for raw payloads); (4) Output — an export/query API plus outbound webhooks feeding accounting tools, dashboards, AML engines or a data warehouse. Each stage is logged so a record can be traced from the dashboard back to the on-chain confirmation.
Market positioning & user profile
PAI : Bitcoin, Tron, LTC y más is primarily a B2C crypto-exchange app with a strong base in the Dominican Republic and a growing footprint across Latin America, where P2P rails and stablecoin "dollarization" are widely used to manage inflation and remittances. Core users are retail buyers and sellers using bank transfers, P2P merchants who provide local liquidity, and small businesses that hold balances in USDT/USD for stability; recharge and bill-pay users overlap heavily with this group. The app ships on Android and iOS with a "Simple Exchange" beginner flow and a PRO mode for advanced orders, and it sits in the same regional ecosystem as other LatAm-focused wallets and global P2P marketplaces — which is exactly why a normalized integration layer across these platforms is useful. Latin America's continued growth in crypto adoption, documented by industry trackers, keeps demand high for clean transaction exports and unified dashboards.
Screenshots
App screens that produce the data above — P2P commerce, exchange, wallet and services. Click any thumbnail to enlarge.
Similar apps & integration landscape
PAI Exchange sits alongside several other crypto and P2P platforms. Teams that work with any of these often need unified transaction exports, balance feeds and order histories across all of them — which is the integration landscape we cover. The list below is for ecosystem context only; it is not a ranking.
Regional & LatAm-focused
- Bitso — large Latin American exchange with wallet, payments and remittance flows; users often want PAI and Bitso transaction histories merged for tax and treasury reporting.
- Airtm — FX marketplace and stablecoin wallet popular for cross-border payouts; overlaps with PAI's USD-conversion use case, so a shared balance schema is handy.
- Ripio — Argentine exchange/wallet with cards and crypto products; integration teams compare its trade and ledger exports with PAI's when building a regional dashboard.
- Lemon Cash — Argentine fintech with a crypto card spending stablecoins in pesos; its card-spend and balance data complement PAI's bank-transfer settlement records.
Global P2P marketplaces
- Binance P2P — the largest peer-to-peer venue, with 100+ fiat currencies and many payment methods; its order lifecycle maps closely to PAI's P2P events for a unified AML feed.
- Paxful — long-running P2P marketplace where anyone can become a vendor; counterparty and escrow data line up with the same monitoring patterns as PAI.
- Remitano — escrow-based P2P exchange holding funds during a trade; useful comparison point when normalizing escrow states across platforms.
- LocalCoinSwap — non-custodial P2P platform with multiple payment options; teams aggregating P2P trades pull its order data alongside PAI's.
- HodlHodl — privacy-oriented, non-custodial P2P trading; included here because cross-platform reconciliation often needs to account for non-custodial flows too.
- Bitget — global exchange with a P2P module and broad asset coverage; commonly appears in the same multi-exchange portfolio sync as PAI.
About us
We are an independent technical studio focused on App interface integration and authorized API work for fintech and crypto products. Team members have years of hands-on experience in mobile apps, exchanges, payment gateways and protocol analysis, and we deliver one-stop service from protocol analysis and interface refactoring to Open Data integration, third-party interface integration, automated data scripting and interface documentation.
- Crypto exchanges, P2P marketplaces, wallets, payments and remittances
- OpenAPI specs, security reviews and rate-limit/retry hardening
- Custom Python / Node.js / Go SDKs and test harnesses
- Full pipeline: protocol analysis → build → validation → compliance → handover
- Source-code delivery from $300 — runnable API source code plus documentation; pay after delivery upon satisfaction
- Pay-per-call API billing — call our hosted endpoints and pay only per request, no upfront cost
Contact
For a quote, send your target app name (PAI : Bitcoin, Tron, LTC y más) and the specific data or flows you need — for example trade history, P2P orders, balances, multi-chain deposits or bank-transfer settlements.
Engagement workflow
- Scope confirmation — which PAI scenarios and endpoints (login, trades, P2P, balances, deposits, webhooks).
- Protocol analysis and API design — 2 to 5 business days, complexity-dependent.
- Build and internal validation — 3 to 8 business days.
- Documentation, samples and test cases — 1 to 2 business days.
- Typical first delivery: 5 to 15 business days; third-party approvals or multi-chain coverage may extend timelines.
FAQ
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📱 Original app overview — PAI : Bitcoin, Tron, LTC y más (appendix)
PAI Exchange describes itself as simplifying the modern crypto economy: turning the complexities of the crypto world into simple, automated experiences for both novices and experts. It evolved from "Instant Payments" / "Pagos Al Instante" (operating since February 2017 under the pagosalinstante.com domain) into the renamed PAI Exchange, with a strong presence in the Dominican Republic and expansion into other Latin American territories.
- P2P Commerce — buy and sell cryptocurrencies across several Latin American countries with escrow protection.
- Automated Conversion to USD — opt in to automatically convert crypto transactions to USD for stability against volatility.
- Sell & buy crypto via bank transfer — receive bank transfers when selling, or acquire Bitcoin and other assets from the Dominican Republic by bank transfer.
- Recharges, Packages and More — top up phone credit, pay bills and access various services from the app.
- Simple Exchange & PRO mode — a quick direct-swap flow plus an advanced trading mode.
- Integrated protocols — BEP20, TRC20, ERC20, Avalanche, Manta Network, World Chain and Polygon deposit options.
- Cryptocurrency diversity — Bitcoin (BTC), Ethereum, Litecoin, Tron, BNB, Bitcoin Cash, Dash, Zcash, Ethereum Classic, Dogecoin, Matic, Tether (USDT), Polygon and more, including emerging tokens such as BitTorrent, Shiba Inu, Toncoin, Dogs, Pepe and WorldCoin (WLD).
- Unified experience — real-time notifications, tutorials and advanced security measures in a single interface.
App package: app.pagosalinstante.com · Platforms: Android & iOS · Category: Finance. See the app's Google Play listing for the current version and the official site at inicio.paiexchange.com.