News: dirham.cloud Launches DirhamPay API — Instant Settlement on Layer‑2
dirham.cloud announced DirhamPay, a developer-first API for instant layered settlement. What architects and merchants should prepare for now.
News: dirham.cloud Launches DirhamPay API — Instant Settlement on Layer‑2
Hook: Today dirham.cloud publicly launched DirhamPay, a programmable payments API designed to offer instant settlement with transparent clearing. This news matters for payment integrators, banks, and regulators across the GCC.
What's announced
DirhamPay provides end-to-end SDKs, audit trails, and an opt-in layer‑2 clearing option to accelerate settlement. The public announcement echoes the broader market movement around layer‑2 clearing services; stakeholders should read the market implications in Breaking: Layer-2 Clearing Service Announcement — What Pakistan’s Crypto Market Should Prepare For and the legislative focus in Parliament Approves Layer‑2 Clearing Disclosure.
Developer and merchant impact
- Developers: an integrated sandbox and cost-aware simulator to model query costs and settlement fees.
- Merchants: optional instant settlement windows for high-volume marketplaces at predictable fees.
- Banks: configurable audit exports to satisfy compliance and dispute resolution.
Operational resilience baked in
DirhamPay emphasizes hybrid failover, and the design proactively integrated lessons from recent outages; the 2025 blackout post-mortem in After the Outage: Five Lessons from the 2025 Regional Blackout informed backup sequencing and manual recovery APIs.
Cost predictability — built-in benchmarking
To help teams avoid surprise billing, DirhamPay includes cost-simulation tooling that follows the methodologies of How to Benchmark Cloud Query Costs. Early access partners report the simulator reduced unexpected query bills during integration testing.
Warehouse and document handling integrations
DirhamPay ships connectors for warehouse document processing and proof reconciliation. This is aligned with the industry shift to batch AI and secure connectors described in DocScan Cloud Launches, allowing logistics providers to attach processed POD documents to settlement events.
Regulatory and policy notes
The launch includes an optional transparent clearing ledger that can be exported for regulatory review. Given the increasing focus on disclosure for layer‑2 services, teams should review legislative developments in layer‑2 clearing disclosure and prepare compliance mapping accordingly.
Early adopter advice
- Start with the sandbox and run a 7‑day reconciliation against your current ledger to measure differences.
- Use the cost simulator and apply the benchmarking steps in queries.cloud.
- Test the optional layer‑2 clearing in a closed pilot and document the export formats your regulator requires, referencing public disclosures on layer‑2 clearing.
Market reaction and what's next
Partners expect DirhamPay to lower settlement latency for marketplaces and cross-border remittances. Over the next six months look for more granular disclosure features and deeper warehouse integrations informed by the DocScan on-prem capabilities.
Read the launch docs and sign up for the pilot: the DirhamPay API portal is open for limited partners; signups will prioritize integrations that complete a query-cost benchmark using the practical toolkit.