> ## 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

> Global payments infrastructure for businesses and developers

Yativo is a payments infrastructure platform built for businesses, fintechs, and developers who need reliable, programmable money movement across borders and across chains.

## Two platforms, one API surface

<CardGroup cols={2}>
  <Card title="Yativo Fiat" icon="building-columns" href="/yativo-fiat/authentication">
    Multi-currency accounts, cross-border transfers, virtual accounts, beneficiary management, and subscription billing. Send and receive money in 50+ currencies.
  </Card>

  <Card title="Yativo Crypto" icon="bitcoin" href="/yativo-crypto/introduction">
    Multi-chain wallets, crypto-funded debit cards, IBAN accounts, token swaps, and a full B2B card issuer program. Build crypto-native financial products.
  </Card>
</CardGroup>

## Key capabilities

| Capability              | Platform | Description                                                         |
| ----------------------- | -------- | ------------------------------------------------------------------- |
| Multi-currency accounts | Fiat     | Hold and move money in 50+ currencies                               |
| Cross-border transfers  | Fiat     | Send funds internationally via a single API call                    |
| Virtual accounts        | Fiat     | Issue receiving accounts per customer or transaction                |
| Beneficiary management  | Fiat     | Store and reuse recipient bank details across countries             |
| Crypto wallets          | Crypto   | Multi-chain wallet infrastructure with automatic address generation |
| Crypto-funded cards     | Crypto   | Issue debit cards funded from crypto balances                       |
| IBAN accounts           | Crypto   | European bank accounts linked to crypto wallets                     |
| Token swaps             | Crypto   | Cross-chain and same-chain token exchange                           |
| Webhooks                | Both     | Real-time event notifications for all platform activity             |
| B2B customer management | Both     | Create and manage sub-accounts for your own customers               |

## Authentication

Both platforms authenticate via **Bearer tokens**. Generate a token by exchanging your API key and secret at the authentication endpoint for each platform.

All API requests must include:

```http theme={null}
Authorization: Bearer YOUR_ACCESS_TOKEN
```

## Explore the docs

<CardGroup cols={2}>
  <Card title="Fiat API Reference" icon="code" href="/api-reference/introduction">
    Complete endpoint reference with interactive playground.
  </Card>

  <Card title="Guides" icon="book-open" href="/guides/overview">
    Step-by-step tutorials for common integration patterns.
  </Card>

  <Card title="SDKs" icon="package" href="/sdks/overview">
    TypeScript, Python, PHP, Java, and React SDKs.
  </Card>

  <Card title="Sandbox" icon="flask" href="/sandbox/overview">
    Test your integration against live-like sandbox environments.
  </Card>
</CardGroup>