Fiat API References

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.

Base URLs

Environment	Base URL
Production	`https://api.yativo.com/api/v1`
Sandbox	`https://smtp.yativo.com/api/v1`

Use the sandbox environment for development and testing. Sandbox transactions do not move real funds.

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.

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.

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.

Standard response format

All successful responses follow this structure:

{
  "status": "success",
  "status_code": 200,
  "message": "Request successful",
  "data": { ... }
}

Error codes

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

Error response format

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

KYC platform

Certain KYC submission endpoints are hosted on a separate platform:

Platform	Base URL
KYC API	`https://kyc.yativo.com`
Individual KYC	`https://kyc.yativo.com/individual/{customer_id}`
Business KYB	`https://kyc.yativo.com/business/{customer_id}`

Generate Token

Overview

Authentication

Customers

KYC / KYB

Payments & Transfers

Deposits

Virtual Accounts

Wallets

Beneficiaries

Transactions

Virtual Cards

Payouts

Currency Swap

Gift Cards

IP Allowlist

Webhooks

Developer

Fiat API References

Base URLs

Authentication

Idempotency

Rate limits

Standard response format

Error codes

Error response format

KYC platform

​Base URLs

​Authentication

​Idempotency

​Rate limits

​Standard response format

​Error codes

​Error response format

​KYC platform

Base URLs

Authentication

Idempotency

Rate limits

Standard response format

Error codes

Error response format

KYC platform