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  <url>
    <loc>https://documentation.kotanipay.com/v3/api-keys</loc>
    <lastmod>2026-06-04T15:17:44.538Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/authentication/generate-key</loc>
    <lastmod>2026-06-03T09:44:42.240Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/authentication/login</loc>
    <lastmod>2026-06-03T09:44:42.247Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/authentication/update-webhook-config</loc>
    <lastmod>2026-06-03T09:44:42.246Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/bulk-payments/create-batches</loc>
    <lastmod>2026-06-08T10:14:30.675Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/bulk-payments/get-batch</loc>
    <lastmod>2026-06-08T10:14:30.678Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/bulk-payments/get-batch-payments</loc>
    <lastmod>2026-06-08T10:14:30.679Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/bulk-payments/get-statistics</loc>
    <lastmod>2026-06-08T10:14:30.683Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/bulk-payments/get-transaction</loc>
    <lastmod>2026-06-08T10:14:30.709Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/bulk-payments/get-wallets</loc>
    <lastmod>2026-06-08T10:14:30.708Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/bulk-payments/list-batches</loc>
    <lastmod>2026-06-08T10:14:30.706Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/bulk-payments/list-transactions</loc>
    <lastmod>2026-06-08T10:14:30.710Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/bulk-payments/preview-batches</loc>
    <lastmod>2026-06-08T10:14:30.707Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/bulk-payments/process-batch</loc>
    <lastmod>2026-06-08T10:14:30.705Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/bulk-payments/validate-csv</loc>
    <lastmod>2026-06-08T10:14:30.710Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/cross-border/generate-invoice</loc>
    <lastmod>2026-06-02T11:50:42.860Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/cross-border/get-invoice</loc>
    <lastmod>2026-06-02T11:50:42.859Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/cross-border/pay-invoice</loc>
    <lastmod>2026-06-02T11:50:42.853Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/cross-border/pay-invoice-status</loc>
    <lastmod>2026-06-02T11:50:42.854Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/customers/mobile-money/create</loc>
    <lastmod>2026-06-02T11:50:42.852Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/customers/mobile-money/get</loc>
    <lastmod>2026-06-02T11:50:42.850Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/customers/mobile-money/get-by-phone</loc>
    <lastmod>2026-06-02T11:50:42.851Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/customers/mobile-money/list</loc>
    <lastmod>2026-06-02T11:50:42.896Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/customers/mobile-money/update</loc>
    <lastmod>2026-06-02T11:50:42.891Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/deposits/bank-checkout</loc>
    <lastmod>2026-06-02T11:50:42.890Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/deposits/bank-checkout-status</loc>
    <lastmod>2026-06-02T11:50:42.891Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/deposits/card</loc>
    <lastmod>2026-06-02T11:50:42.887Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/deposits/card-status</loc>
    <lastmod>2026-06-02T11:50:42.889Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/deposits/deposit-on-chain</loc>
    <lastmod>2026-06-08T10:14:30.795Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/deposits/deposit-on-chain-status</loc>
    <lastmod>2026-06-08T10:14:30.771Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/deposits/deposit-on-chain-supported-chains</loc>
    <lastmod>2026-06-08T10:14:30.759Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/deposits/mobile-money</loc>
    <lastmod>2026-06-02T11:50:42.934Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/deposits/mobile-money-status</loc>
    <lastmod>2026-06-02T11:50:42.925Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/integrator/create</loc>
    <lastmod>2026-06-02T14:45:40.438Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/integrator/get</loc>
    <lastmod>2026-06-04T15:17:45.121Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/introduction</loc>
    <lastmod>2026-06-04T15:17:45.120Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/kyc/create-address</loc>
    <lastmod>2026-06-02T11:50:42.921Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/kyc/create-basic-details</loc>
    <lastmod>2026-06-02T11:50:42.969Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/kyc/create-document</loc>
    <lastmod>2026-06-02T11:50:42.968Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/kyc/get-status</loc>
    <lastmod>2026-06-02T11:50:42.966Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/kyc/list-integrator-users</loc>
    <lastmod>2026-06-02T11:50:42.965Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/offramp/cancel</loc>
    <lastmod>2026-06-02T11:50:42.967Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/offramp/create</loc>
    <lastmod>2026-06-02T11:50:42.963Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/offramp/get-status</loc>
    <lastmod>2026-06-02T11:50:42.964Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/offramp/list-transactions</loc>
    <lastmod>2026-06-02T11:50:42.962Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/offramp/refund-status</loc>
    <lastmod>2026-06-02T11:50:42.961Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/offramp/retry-refund</loc>
    <lastmod>2026-06-02T11:50:42.962Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/offramp/status</loc>
    <lastmod>2026-06-02T11:50:43.003Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/onramp/create</loc>
    <lastmod>2026-06-02T11:50:43.002Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/onramp/crypto</loc>
    <lastmod>2026-06-03T09:44:42.424Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/onramp/crypto-status</loc>
    <lastmod>2026-06-02T11:50:42.999Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/onramp/get-crypto-status</loc>
    <lastmod>2026-06-02T11:50:43.000Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/onramp/get-status</loc>
    <lastmod>2026-06-02T11:50:42.998Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/onramp/status</loc>
    <lastmod>2026-06-02T11:50:42.997Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/rates/fiat-to-fiat</loc>
    <lastmod>2026-06-02T11:50:42.994Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/rates/get-all-rates</loc>
    <lastmod>2026-06-02T11:50:43.042Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/rates/get-rate</loc>
    <lastmod>2026-06-02T11:50:43.034Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/rates/offramp-rate</loc>
    <lastmod>2026-06-02T11:50:43.042Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/rates/onramp-rate</loc>
    <lastmod>2026-06-02T11:50:43.041Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/sms/incoming</loc>
    <lastmod>2026-06-04T15:17:45.464Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/sms/register-webhook</loc>
    <lastmod>2026-06-02T11:50:43.039Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/sms/send</loc>
    <lastmod>2026-06-02T11:50:43.038Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/system/health</loc>
    <lastmod>2026-06-02T11:50:43.035Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/system/providers</loc>
    <lastmod>2026-06-04T15:17:45.463Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/wallets/crypto/create</loc>
    <lastmod>2026-06-02T11:50:43.037Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/wallets/crypto/get</loc>
    <lastmod>2026-06-02T11:50:43.077Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/wallets/crypto/list</loc>
    <lastmod>2026-06-02T11:50:43.075Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/wallets/fiat/create</loc>
    <lastmod>2026-06-02T11:50:43.072Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/wallets/fiat/get</loc>
    <lastmod>2026-06-02T11:50:43.071Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/wallets/fiat/get-by-currency</loc>
    <lastmod>2026-06-02T11:50:43.072Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/wallets/fiat/list</loc>
    <lastmod>2026-06-02T11:50:43.068Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/wallets/fiat/transfer-deposit-balance</loc>
    <lastmod>2026-06-02T11:50:43.073Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/wallets/fiat/update</loc>
    <lastmod>2026-06-02T11:50:43.070Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/withdrawals/bank-status</loc>
    <lastmod>2026-06-02T11:50:43.069Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/withdrawals/bank-v2</loc>
    <lastmod>2026-06-02T11:50:43.076Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/withdrawals/mobile-money</loc>
    <lastmod>2026-06-02T11:50:43.103Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/withdrawals/mobile-money-status</loc>
    <lastmod>2026-06-02T11:50:43.105Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/api-reference/withdrawals/supporting-banks</loc>
    <lastmod>2026-06-02T11:50:43.104Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/dashboard-login</loc>
    <lastmod>2026-06-04T15:17:45.673Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/development</loc>
    <lastmod>2026-06-04T15:17:45.670Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/essentials/balances-and-settlement</loc>
    <lastmod>2026-06-04T15:17:45.671Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/essentials/error-handling</loc>
    <lastmod>2026-06-04T15:17:45.669Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/essentials/offramp-refunds</loc>
    <lastmod>2026-06-04T15:17:45.666Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/essentials/rate-limits</loc>
    <lastmod>2026-06-04T15:17:45.668Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/essentials/request-signing</loc>
    <lastmod>2026-06-04T15:17:45.674Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/essentials/transaction-statuses</loc>
    <lastmod>2026-01-28T09:54:17.123Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/essentials/webhooks</loc>
    <lastmod>2026-06-04T15:17:52.869Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/flows/bulk-payments-flow</loc>
    <lastmod>2026-06-04T15:17:52.867Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/flows/deposit-flow</loc>
    <lastmod>2026-06-04T15:17:52.870Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/flows/offramp-flow</loc>
    <lastmod>2026-06-03T09:44:43.352Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/flows/onramp-flow</loc>
    <lastmod>2026-06-03T09:44:43.342Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/flows/payment-links-flow</loc>
    <lastmod>2026-06-04T15:17:52.874Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/flows/settlement-flow</loc>
    <lastmod>2026-06-04T15:17:52.867Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/flows/withdrawal-flow</loc>
    <lastmod>2026-06-04T15:17:52.873Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/overview</loc>
    <lastmod>2026-06-04T15:17:52.872Z</lastmod>
  </url>

  <url>
    <loc>https://documentation.kotanipay.com/v3/quickstart</loc>
    <lastmod>2026-06-04T15:17:54.558Z</lastmod>
  </url>
</urlset>