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The Yativo Fiat API enables you to send and receive money globally, manage virtual accounts, perform currency exchange, and verify customer identities. All endpoints return JSON responses.

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Base URLs

EnvironmentBase URL
Productionhttps://api.yativo.com/api/v1
Sandboxhttps://smtp.yativo.com/api/v1
Use the sandbox environment for development and testing. Sandbox transactions do not move real funds.

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Authentication

All API requests require a Bearer token obtained from the authentication endpoint. Tokens expire after 600 seconds (10 minutes). 
Authorization: Bearer YOUR_ACCESS_TOKEN
See Generate Token for details on obtaining a token.

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Idempotency

All POST, PUT, and PATCH requests require an Idempotency-Key header. This ensures that duplicate requests (e.g. due to network retries) are not processed twice. 
Idempotency-Key: your-unique-key-here
Use a UUID or a deterministic string based on the operation (e.g. payout-{customer_id}-{timestamp}). Keys are scoped to your account.

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Rate limits

Requests are rate-limited per API key. If you exceed the limit, you will receive a 429 Too Many Requests response. Implement exponential backoff when retrying after rate limit errors.

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Standard response format

All successful responses follow this structure: 
{
  "status": "success",
  "status_code": 200,
  "message": "Request successful",
  "data": { ... }
}

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Error codes

Status CodeMeaning
200OK — Request succeeded
201Created — Resource created successfully
400Bad Request — Invalid request parameters
401Unauthorized — Missing or invalid token
404Not Found — Resource does not exist
422Unprocessable Entity — Validation failed
429Too Many Requests — Rate limit exceeded
500Internal Server Error — Something went wrong on our end

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Error response format

{
  "status": "error",
  "status_code": 422,
  "message": "Validation failed",
  "errors": {
    "customer_email": ["The customer email field is required."]
  }
}

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KYC platform

Certain KYC submission endpoints are hosted on a separate platform:
PlatformBase URL
KYC APIhttps://kyc.yativo.com
Individual KYChttps://kyc.yativo.com/individual/{customer_id}
Business KYBhttps://kyc.yativo.com/business/{customer_id}