name: Cowrywise Embed API FinOps
description: Financial operations guidance for integrations built on the Cowrywise Embed API. Cowrywise does not publish a public cost schedule; charges are agreed during production onboarding. The following covers known cost-relevant behaviours and financial product characteristics.
url: https://cowrywise.com/embed
cost_model:
  type: negotiated / contact
  public_pricing: false
  early_access_form: https://cowrywise.com/embed
  notes:
    - No per-call or per-transaction fees are publicly listed.
    - Revenue model likely involves asset-management fees or revenue-sharing on investment products, consistent with regulated fund-manager operations.
    - Cowrywise is licensed by the SEC of Nigeria as a fund manager; returns on underlying investment products (mutual funds, T-bills, bonds, equities) are subject to market performance.
investment_product_fees:
  - product: Wallet
    fee: zero-fee store of value; free transfers noted in documentation
  - product: Savings
    fee: not publicly disclosed; lock period minimum 3 months
  - product: Mutual Funds
    fee: underlying fund expense ratios apply; not disclosed in API docs
  - product: Treasury Bills
    fee: market-priced; not disclosed in API docs
  - product: Eurobonds
    fee: market-priced; not disclosed in API docs
  - product: Equities (local & international)
    fee: brokerage and exchange fees apply; not disclosed in API docs
currencies:
  - NGN (Nigerian Naira)
  - USD (US Dollar — available for select products including Eurobonds and USD mutual funds)
cost_controls:
  - Monitor transaction fees via the "Fetch transfer and withdrawal processing fees" endpoint before executing transfers.
  - Use the sandbox environment (zero cost) for all development and load testing.
  - Implement webhook listeners to track real-time investment and transaction events to avoid redundant polling.
regulatory:
  regulator: Securities and Exchange Commission (SEC) of Nigeria
  licence_type: Fund Manager
  notes:
    - All investment products are regulated; compliance obligations flow through Cowrywise.
    - Integrators are responsible for KYC/AML obligations for end users (identity verification is part of the account-creation flow).