> ## Documentation Index
> Fetch the complete documentation index at: https://docs.nexapay.ng/llms.txt
> Use this file to discover all available pages before exploring further.

# Get Crypto Balances

> Returns the available and pending USDT balances for the business profile.

Retrieves the merchant's business USDT balance and pending balance details.

### Crypto Balance Behaviour

NexaPay maintains a merchant `USDT balance` separate from the main `NGN` business wallet.

* Fiat deposits and withdrawals affect the `NGN` wallet.
* Settled crypto payments affect the `USDT` wallet.
* `USDT` is not withdrawn on-chain; when cashed out, NexaPay converts it to `NGN` and settles the equivalent to the merchant's saved bank account.


## OpenAPI

````yaml GET /crypto/balances
openapi: 3.0.0
info:
  title: NexaPay Business API
  version: 1.0.0
  description: Server-to-server merchant integration API documentation.
servers:
  - url: https://api.nexapay.ng/api/v1/business
    description: Production Server
security: []
tags: []
paths:
  /crypto/balances:
    get:
      tags:
        - Crypto
      summary: Retrieve crypto balances
      description: >-
        Returns the available and pending USDT balances for the business
        profile.
      parameters:
        - $ref: '#/components/parameters/BusinessIdQuery'
        - $ref: '#/components/parameters/BusinessEnvHeader'
      responses:
        '200':
          description: Wallet balances retrieved.
      security:
        - ApiKeyAuth: []
components:
  parameters:
    BusinessIdQuery:
      name: businessId
      in: query
      required: true
      schema:
        type: string
      description: >-
        The unique ID of the business profile (required for API key
        authentication).
    BusinessEnvHeader:
      name: x-business-env
      in: header
      required: false
      schema:
        type: string
        enum:
          - prod
          - test
        default: prod
      description: Target environment selector (live production vs. simulated sandbox).
  securitySchemes:
    ApiKeyAuth:
      type: apiKey
      in: header
      name: x-api-key
      description: Merchant API Key (e.g., nexa-prod-... or nexa-test-...)

````