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

# Welcome to Yativo Fiat

> Cross-border payments, virtual accounts, and financial infrastructure for businesses

Yativo Fiat is a cross-border payment infrastructure platform for businesses. Send money globally, receive deposits via local payment rails, issue virtual accounts to your customers, manage KYC/KYB compliance, and access multiple payment networks — all through a single unified API.

***

## What You Can Build

<CardGroup cols={2}>
  <Card title="Accept Payments" icon="arrow-down-to-line" href="/yativo-fiat/accept-payments">
    Issue virtual accounts so customers can pay via local bank transfer, PIX, SPEI, SEPA, and more. Receive webhook notifications when funds arrive.
  </Card>

  <Card title="Send Money" icon="paper-plane" href="/yativo-fiat/send-money">
    Send cross-border payments to beneficiaries via local bank transfers, SPEI, ACH, SEPA, and LATAM rails. Lock exchange rates with quotes before executing.
  </Card>

  <Card title="Virtual Accounts" icon="building-columns" href="/yativo-fiat/virtual-accounts">
    Issue dedicated local bank account numbers per customer for automatic payment matching and reconciliation.
  </Card>

  <Card title="Virtual Cards" icon="credit-card" href="/yativo-fiat/virtual-cards">
    Issue prepaid virtual Visa/Mastercard cards to your customers for online spending, funded from your wallet balance.
  </Card>

  <Card title="Wallets" icon="wallet" href="/yativo-fiat/wallets">
    Manage multi-currency wallet balances. Hold USD, EUR, BRL, CLP, MXN, COP, PEN, ARS and more.
  </Card>

  <Card title="Customers & KYC" icon="user-check" href="/yativo-fiat/customers">
    Create and manage customer profiles. Submit KYC/KYB for compliance and unlock features like virtual accounts and virtual cards.
  </Card>
</CardGroup>

***

## How It Works

<Steps>
  <Step title="Create your account">
    Sign up at [app.yativo.com](https://app.yativo.com). Authentication is passwordless — enter your email, receive a 5-digit OTP, and you're in.
  </Step>

  <Step title="Complete Business KYC">
    Submit your company details, upload required documents, and verify your UBOs (Ultimate Beneficial Owners). This unlocks full API access.
  </Step>

  <Step title="Get your API credentials">
    Go to **Developer → API Key** in your dashboard. Generate your App Secret (PIN verification required). Note your Account ID.
  </Step>

  <Step title="Generate a Bearer token">
    Call `POST /auth/login` with your Account ID and App Secret to get a Bearer token (valid 10 minutes). Use this token in all API requests.
  </Step>

  <Step title="Start building">
    Create customers, issue virtual accounts, send money, and receive payments — all via the API.
  </Step>
</Steps>

***

## Supported Regions & Payment Rails

| Region        | Countries                        | Rails                |
| ------------- | -------------------------------- | -------------------- |
| Latin America | Brazil                           | PIX                  |
| Latin America | Mexico                           | SPEI                 |
| Latin America | Chile, Peru, Colombia, Argentina | Local bank transfer  |
| North America | United States                    | ACH, Wire            |
| Europe        | Eurozone                         | SEPA Credit Transfer |

Contact your integration team for additional corridors not listed here.

***

## Key Concepts

| Concept              | Description                                                                                   |
| -------------------- | --------------------------------------------------------------------------------------------- |
| **Customers**        | End users your business serves. Must pass KYC before receiving virtual accounts or cards.     |
| **Virtual Accounts** | Local bank account numbers assigned to a customer for receiving funds on specific rails.      |
| **Beneficiaries**    | Recipients for outbound payments. Save their bank details for reuse.                          |
| **Wallets**          | Your multi-currency balance pools. Fund payouts from your wallet.                             |
| **Quotes**           | Rate-locked exchange calculations valid for 5 minutes. Use quote IDs when executing payments. |
| **Webhooks**         | Real-time event notifications sent to your server (e.g. deposit completed, KYC approved).     |

***

## Environments

| Environment        | URL                                      |
| ------------------ | ---------------------------------------- |
| **Dashboard**      | [app.yativo.com](https://app.yativo.com) |
| **Production API** | `https://api.yativo.com/api/v1`          |
| **Sandbox API**    | `https://smtp.yativo.com/api/v1`         |

***

## Next Steps

<CardGroup cols={2}>
  <Card title="Quickstart" icon="rocket" href="/yativo-fiat/quickstart">
    Get your first payment working in under 10 minutes.
  </Card>

  <Card title="Authentication" icon="key" href="/yativo-fiat/authentication">
    Learn how to authenticate and secure your API calls.
  </Card>
</CardGroup>