name: Cowrywise Embed API Plans & Pricing
description: Pricing and access model for the Cowrywise Embed investment-as-a-service API. Access is provided via an early-access / waitlist model; no publicly listed tier pricing is available. Developers sign up through the Embed dashboard to receive sandbox credentials.
url: https://cowrywise.com/embed
plans:
  - name: Sandbox / Test
    description: Default access tier granted upon Embed dashboard registration. Provides test client_id and client_secret for development and integration against the sandbox environment.
    price: free
    features:
      - Sandbox environment access (sandbox.embed.cowrywise.com)
      - OAuth 2.0 client credentials (test)
      - Full API surface in test mode
      - Python and Node.js client libraries
  - name: Production (Early Access)
    description: Production credentials issued after review and approval. Pricing is negotiated directly with Cowrywise; no public rate card is available. Developers must request early access via the Embed sign-up form.
    price: contact
    features:
      - Production environment access (production.embed.cowrywise.com)
      - User account creation and identity verification
      - Wallet management
      - Savings products (NGN & USD)
      - Mutual funds (money market, equity, fixed income, halal, balanced)
      - Treasury bills
      - Eurobonds (USD-denominated)
      - Local and international equities
      - Fixed notes
      - Portfolio analytics
      - Webhooks
      - Transaction history
notes:
  - Cowrywise is licensed by the Securities and Exchange Commission (SEC) of Nigeria.
  - All regulatory, legal, and technical infrastructure is provided by Cowrywise.
  - Public pricing is not disclosed; interested parties should complete the early-access form at https://cowrywise.com/embed.