The vrtx closed-loop APIs provide a modern, secure, and scalable foundation for embedding financial capabilities directly into your platform. Using these RESTful APIs, developers can create wallets, onboard businesses, move money internally, and process closed-loop transactions — all without needing to build or maintain regulated financial infrastructure.vrtx Closed-loop Infrastructure
vrtx enables you to go live quickly with controlled, compliant financial operations inside your ecosystem, powering experiences such as user balances, merchant settlements, disbursements, card spend, and in-app payments.
APIs Overview#
vrtx exposes a modular set of APIs that allow you to compose and scale your closed-loop financial system:Create Fund
Fund a business account within the closed-loop ecosystem to enable payouts, wallet top-ups, and internal transfers.Create Payout
Move funds from a business operational account to one or more wallets inside the closed-loop ecosystem.Create Refund
Move funds from one or more wallets back to the business operational account within the closed-loop ecosystem.Create Transfer
Transfer funds between wallets within the closed-loop ecosystem.Create Withdrawal
Withdraw funds from a business operational account or a wallet to the clearance wallet, representing settlement or reconciliation outside the closed-loop system.
Requirements#
These are the minimum requirements to work effectively with the vrtx APIs:1
Get access
Ability to make authenticated API requests
2
Map your flows
Understanding of wallet-based financial flows, limits, and ledgering.
3
Launch!
Get your production access and launch.
Authentication#
vrtx APIs are powered by API Keys, issued per business.vrtx uses API-key authentication (server-to-server), with optional request signing for high-security environments.
Rate Limits#
vrtx enforces rate limits to ensure stability and fairness across all businesses.
If rate limits are exceeded, the API returns:
Language Support#
All vrtx APIs return responses in English.
Localized descriptions (Arabic, English) for certain fields, such as names, are supported at the business level.
Try It Out#
For a fast start, use any API tool such as Postman, Apidog, or Insomnia.A full vrtx sandbox collection will be available for import soon.
Changelog#
Track new endpoints, enhancements, patches, and breaking changes soon!
