> ## 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.

# Introduction to Yativo

> Global fintech infrastructure for payins, payouts, multi-currency wallets, virtual accounts, and cards.

Welcome to the **Yativo Developer Documentation**. Yativo provides programmable financial infrastructure that allows businesses to collect funds globally, hold multi-currency balances, issue virtual cards and accounts, and disburse payouts across Latin America, Africa, North America, and crypto rails.

> [card] [Quickstart](https://docs.yativo.com/yativo-platform/quickstart.md)
>
> Get your team API keys and send your first request in under 5 minutes.

> [card] [Payouts API](https://docs.yativo.com/yativo-platform/money-movement/payouts.md)
>
> Send money to bank accounts and mobile wallets using local rails.

> [card] [Virtual Accounts](https://docs.yativo.com/yativo-platform/cards-and-accounts/virtual-accounts.md)
>
> Issue dedicated account numbers for USD, EUR, GBP, MXN, COP, and NGN.

> [card] [Webhooks](https://docs.yativo.com/yativo-platform/webhooks/overview.md)
>
> Listen to real-time events for deposits, payouts, cards, and KYC updates.

***

## Environments & Base URLs

Yativo maintains two separate environments for integration and live money movement:

| Environment | Base URL | Usage |
| - | - | - |
| **Sandbox** | `https://smtp.yativo.com/api/v1` | Testing, simulation, development |
| **Production** | `https://api.yativo.com/api/v1` | Live money movement and settled balances |

> [!NOTE]
>
> All API requests must be served over HTTPS. On production, API keys require **IP Whitelisting** before write requests are accepted. Sandbox requests allow testing without IP whitelist restrictions.

***

## Core Capabilities

```mermaid theme={null}
flowchart LR
    A[Customers & Payers] -->|Payins / Card / Bank| B(Yativo Infrastructure)
    B -->|Hold & Convert| C[(Multi-Currency Wallets)]
    C -->|Payouts / Rails| D[Bank Accounts & Mobile Money]
    C -->|Spend / Issuance| E[Virtual & Corporate Cards]
    B -->|Real-Time Webhooks| F[Your Application Backend]
```

### 1. Money Movement

* **Payouts:** Instant or local-rail disbursements to bank accounts, mobile money, and crypto wallets. The standard payout endpoint is `POST /api/v1/payout/simple`.
* **Payins & Onramp:** Accept local currency bank transfers, mobile money, and card collections that settle directly to USD, USDC, or local currency balances.
* **FX & Locked Quotes:** Fetch real-time market rates or create locked quotes that freeze exchange rates and fee calculations.

### 2. Accounts & Cards

* **Virtual Accounts:** Generate dedicated international IBANs, ACH routing numbers, CLABE (Mexico), and NGN accounts to receive customer wire/bank transfers.
* **Virtual & Corporate Cards:** Issue Visa/Mastercard cards on demand with configurable employee limits, programmatic freeze/unfreeze, and real-time transaction hooks.
* **Merchant Card Checkout:** Offer 3D-Secure hosted credit/debit card checkout for your platform merchants and digital creators.

### 3. Enterprise Operations

* **Revenue Splitting:** Automatically split gross transactions across partner wallets and external beneficiaries with automated fee allocation.
* **Recurring Subscriptions:** Bill customer balances automatically on a recurring schedule.
* **Granular Team Access:** Manage organizations with role-based permissions (Admin, Manager, Finance, Operations, Viewer) and FIDO2 WebAuthn passkeys.


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