A working integration for PAI Exchange's wallet, P2P and fiat-payout records

PAI Exchange runs deposits and withdrawals across seven networks — BEP20, TRC20, ERC20, Avalanche, Manta Network, World Chain and Polygon, as its Google Play listing describes them — and settles fiat through Dominican bank transfers. One account therefore holds on-chain movement, P2P trades, exchange swaps, an automated USD-conversion toggle, phone recharges and bill payments side by side. The integration question is not whether there is data worth syncing. It is how to pull each of those flows out cleanly, keyed correctly by chain, under the user's authorization, from an app that the operator re-skinned from "Pagos al Instante" and still ships frequent updates to.

Reaching the data, and the route we would take

There is no Dominican open-banking, account-aggregation or virtual-asset statute to consent through — the Banco Central de la República Dominicana has only warned that crypto is not legal tender, and a virtual-assets bill is still sitting in the Chamber of Deputies. That removes a statutory rail but also removes a dependency. The route is authorized interface work on an account the data owner controls.

Three routes genuinely apply here:

• Interface integration / protocol analysis on a consenting account. We observe the app's own client traffic against an account whose owner authorizes the work, recover the login and token-refresh exchange, and map the wallet, P2P and activity calls. Reaches everything the app itself shows the user. Moderate effort; durability depends on app-version churn, which we plan for (see engineering notes).
• User-consented credential access. The account holder supplies their own credentials within a scoped, logged session so we drive the same surfaces programmatically. Lighter to stand up; appropriate when one or a few accounts are in scope rather than a population.
• Native wallet records as a fallback. On-chain deposits and withdrawals are also visible from the public chain given the deposit addresses PAI issues, which lets treasury and AML use cases be reconstructed even where in-app history is sparse.

For most teams the first route is the one worth building: it is the only one that returns P2P escrow state, the USD-conversion ledger and bill-pay debits together, which the chain alone cannot. Access — a consenting account, a test wallet on the chains you care about — is arranged with you during onboarding, not asked of you up front.

What sits behind a PAI login

What gets handed over

The deliverable is a running integration tied to the surfaces above, not a report:

• An OpenAPI/Swagger description of the reachable PAI surfaces — wallet, deposit-address, P2P, exchange, conversion and activity calls — with the (asset, network) keying made explicit.
• A protocol and auth-flow report: the login and token-refresh chain, headers, pagination cursors, and the error and re-auth behaviour as observed during the build.
• Runnable source for the key endpoints in Python or Node.js — balance fetch, per-network deposit address, P2P order list, exchange/conversion history, payout and bill-pay history — with retry and token-refresh handled.
• A normalized schema that separates crypto legs from fiat legs and keys every balance and deposit by chain, plus automated tests against recorded fixtures.
• Interface documentation and data-retention guidance: what is captured, how consent and access are logged, and how to keep the map current as PAI ships updates.

The calls up close

Illustrative shape of two of the surfaces, reflecting how PAI separates assets by network. Host and paths shown are placeholders that get confirmed during the build against a consenting account.

# Auth: bearer token recovered from the app's login / refresh exchange (illustrative).
import httpx

BASE = "https://api.pagosalinstante.example"   # real host fixed during the build

def session(token: str) -> httpx.Client:
    return httpx.Client(base_url=BASE, timeout=15,
                        headers={"Authorization": f"Bearer {token}"})

def deposit_address(c, asset: str, network: str) -> dict:
    # network is mandatory: USDT-TRC20 != USDT-BEP20 != USDT-ERC20 != USDT-Polygon
    r = c.get("/wallet/deposit-address", params={"asset": asset, "network": network})
    if r.status_code == 401:
        raise TokenExpired("re-run the refresh exchange, then retry")
    r.raise_for_status()
    return r.json()   # {asset, network, address, memo|null, min_deposit}

def p2p_orders(c, state="all", cursor=None) -> dict:
    r = c.get("/p2p/orders", params={"state": state, "cursor": cursor})
    r.raise_for_status()
    body = r.json()   # {orders:[{id, side, asset, fiat, counterparty,
                       #           escrow_state, bank_ref}], next}
    return body
      

The 401-then-refresh path is the part most worth getting right: PAI's token lifetime is short enough that a long backfill will cross at least one refresh, and the P2P list is cursor-paged, so a naive single page silently under-reports.

Dominican rules, KYC and the consent we work under

The Dominican Republic has no specific cryptocurrency or virtual-asset-service-provider law in force. The Banco Central de la República Dominicana has issued a communiqué stating that crypto is not legal tender and is not backed or authorized, the Junta Monetaria has authorized no virtual currency, and the Superintendencia del Mercado de Valores does not regulate unregistered virtual assets. A bill to regulate virtual-asset providers has been deposited in the Chamber of Deputies but is not enacted, so its specific obligations are not stated here as settled rules. Because the legal status is in flux, we do not lean on a statutory consent mechanism — there isn't one — and instead anchor the work in the account owner's authorization.

Personal data is handled under the Dominican personal-data-protection law, Ley No. 172-13. In practice that means scoped consent tied to the specific accounts in play, access and pulls logged with timestamps, data minimized to the domains the use case needs, and an NDA where the engagement calls for one. PAI's own KYC tier and 2FA state are captured as context, never circumvented; the work describes the user's data, it does not defeat the platform's authentication.

Engineering realities we plan around

Two things about PAI shape the build more than anything else, and we account for both rather than treating them as obstacles:

• The chain label is not the asset. PAI lists the same tokens — USDT, MATIC, others — across several networks. A balance, a deposit address and a withdrawal are only meaningful as an (asset, network) pair. The normalized schema keys on that pair end to end, so a TRC20 USDT figure can never silently merge with a BEP20 one and a Polygon balance never folds into Avalanche.
• One activity stream, several rail types. Crypto movement, P2P escrow settlements, exchange and PRO swaps, the auto-conversion ledger, bank-transfer payouts and bill-pay debits all land in one history. Each gets its own typed model and state enum, and fiat legs are tagged explicitly, so an auto-converted sale is never reported as a raw crypto sale and an open P2P escrow is never counted as a settled swap.
• The app moves. PAI re-skinned from Pagos al Instante and added emerging tokens recently, so the protocol map is treated as versioned: each maintenance cycle diffs live client traffic against the captured spec and surfaces new chains or a changed auth path as a flagged difference before it breaks a sync.

Access is arranged with you during onboarding — a consenting PAI account and a test wallet on the chains in scope — so capture runs on real flows without touching anyone else's funds.

Where teams use it

• A regional fintech folding its users' consented PAI balances and trade history into one dashboard alongside other wallets.
• A treasury or tax tool importing the USD-conversion ledger and bank-transfer payouts so Dominican-peso settlement is reconciled against crypto cost basis.
• An AML/compliance product watching multi-chain deposit and withdrawal patterns for consenting users across the seven networks.
• A remittance flow matching P2P trade settlements to the local bank reference on each payout.

App screens

Public store screenshots, used to corroborate the surfaces above.

What was checked, and when

Reviewed 18 May 2026 by the OpenBanking Studio integration desk. The data surfaces were read from the app's Google Play listing and the operator's own site (inicio.paiexchange.com, which dates PAI's start to February 2017 and describes its conversion, wallet and referral features); the regulatory position was taken from the Banco Central de la República Dominicana communiqué on crypto and virtual assets and the virtual-assets bill deposited in the Dominican Chamber of Deputies. No vendor relationship is implied.

• Google Play — PAI : Bitcoin, Tron, LTC y más (app.pagosalinstante.com)
• PAI Exchange operator site
• Banco Central de la República Dominicana — communiqué on crypto and virtual assets
• Chamber of Deputies — deposited virtual-assets bill

Other crypto apps in the same integration bucket

Same-category apps an integrator often unifies alongside PAI; named for context, not ranked.

• Binance — large global exchange with a deep P2P market in Latin America; holds balances, order and P2P trade history per account.
• Bybit — exchange and P2P platform with local-currency pairs; account holds spot, derivatives and P2P records.
• OKX — exchange with P2P and multi-chain wallet; per-account balances, trades and on-chain movement.
• Bitget — exchange with a growing Latin American P2P presence; holds trade, copy-trade and P2P data.
• HTX — exchange active in cross-border Latin American corridors; account-level trades and wallet balances.
• Airtm — dollar-account and peer exchange used widely across Latin America; holds balances and transfer history.
• El Dorado — Latin American P2P crypto and stablecoin app; holds P2P orders and local-rail settlements.
• Lemon Cash — regional crypto wallet and card; holds balances, card spend and transaction history.
• Buenbit — crypto and stablecoin app in the region; holds balances, conversions and transfer records.

Questions integrators ask about PAI

Can on-chain deposits, P2P trades and bill-pay be split into one clean feed?

Yes. PAI mixes crypto movement, P2P escrow settlements, exchange swaps and fiat debits into one activity history. We model each flow with its own state machine and tag fiat legs, so an auto-converted sale, a raw P2P sale and a phone recharge come out as distinct, typed records rather than one undifferentiated stream.

PAI lists seven deposit networks for the same assets — how does that affect the build?

It is the central design point. USDT on TRC20 is a different object from USDT on BEP20, ERC20 or Polygon, with different addresses, memos and minimums. We key balances and deposits by the pair (asset, network) across BEP20, TRC20, ERC20, Avalanche, Manta, World Chain and Polygon so a Polygon balance never collapses into an Avalanche one.

There is no Dominican open-banking law — does that block reaching the data?

No. The Dominican Republic has no enacted virtual-asset or account-aggregation regime, so there is no statutory consent rail to use and none is needed. We work through authorized interface integration on a consenting PAI account, with the user's own credentials and native wallet records, handled under the Dominican personal-data law (Ley No. 172-13) and the platform's KYC posture.

We are a desk outside the Dominican Republic — can you still build against PAI's local rails?

Yes. Capture runs against a consenting account and a test wallet on the relevant chains; the bank-transfer and bill-pay legs are observed as data fields, not money we move. Where an account or chain access is needed it is arranged with you during onboarding as part of the engagement.

Source code is delivered first and invoiced from $300 once it runs on your side and the output checks out — you pay after you are satisfied, not before. If you would rather not host anything, the same integration is available as a metered endpoint you call and pay per request, with nothing upfront. Either path is a one-to-two-week build. Tell us which PAI accounts are in scope and what you need pulled at /contact.html and we will scope it back to you.