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

# Kotani Pay API v3

> Digital asset transactions using local payment channels

Kotani Pay connects your application to local payment channels across Africa — mobile money networks (M-PESA, MTN Money, Airtel Money, Orange Money), bank transfers, and blockchain networks. Use it to collect payments from users, disburse funds to them, or convert between fiat and crypto.

## Core Operations

<CardGroup cols={2}>
  <Card title="Deposits" icon="arrow-down" href="/v3/api-reference/deposits/mobile-money">
    Collect mobile money, bank, and card payments from users
  </Card>

  <Card title="Withdrawals" icon="arrow-up" href="/v3/api-reference/withdrawals/mobile-money">
    Disburse funds to mobile money wallets and bank accounts
  </Card>

  <Card title="Onramp" icon="coins" href="/v3/api-reference/onramp/create">
    Accept fiat payment and deliver crypto to a wallet address
  </Card>

  <Card title="Offramp" icon="money-bill" href="/v3/api-reference/offramp/create">
    Accept crypto and disburse fiat via mobile money or bank transfer
  </Card>

  <Card title="Webhooks" icon="webhook" href="/v3/essentials/webhooks">
    Receive real-time transaction status updates
  </Card>
</CardGroup>

## Getting Started

<Steps>
  <Step title="Access the dashboard">
    Log in to [integrator.kotanipay.com](https://integrator.kotanipay.com). First-time users can set a password using the Forgot Password flow via OTP.

    [Dashboard login guide →](/v3/getting-started/dashboard-login)
  </Step>

  <Step title="Get your API key">
    Call `POST /auth/login` with your email to receive a magic link. Click it to get a JWT, then call `GET /auth/api-key` to generate your API key.

    [API key guide →](/v3/getting-started/api-keys)
  </Step>

  <Step title="Make your first API call">
    Point requests at the sandbox URL and include your API key in the `Authorization: Bearer` header.

    [Quickstart →](/v3/quickstart)
  </Step>
</Steps>

## Environments

| Environment    | Base URL                           |
| -------------- | ---------------------------------- |
| **Sandbox**    | `https://sandbox-api.kotanipay.io` |
| **Production** | `https://api.kotanipay.io`         |

Use the sandbox environment for all development and testing — no real money moves.

## Try It Now

<Card title="Run in Postman" icon="external-link" href="https://app.getpostman.com/run-collection/30841547-726e952e-e744-45ec-9204-1df4aba5e919?action=collection%2Ffork&source=rip_markdown">
  Fork the full API collection with pre-configured environments
</Card>

## Use Cases

Kotani Pay is used for remittance, forex arbitrage, digital lending, insurance, savings, social protection, business financing, gig worker payments, and more. If you're moving money to or from Africa via local channels, this API covers it.