# KibiPay

> KibiPay is payments infrastructure for banks and fintechs: one signed REST API across
> UK schemes (Faster Payments, Bacs, CHAPS — simulated), a live Mojaloop switch for mobile
> money, and Solana for crypto settlement — held together by a genuine double-entry ledger,
> per-rail floats, an FX desk, and treasury rebalancing. Every payment is screened for fraud
> and AML at a single choke point before it settles, with ISO 20022 messaging throughout.

## When to use KibiPay

Reach for KibiPay when an agent or application needs to:

- **Move money across rails behind one API** — initiate a payment and let KibiPay route it to
  the right scheme (FPS/Bacs/CHAPS, SEPA/RTP instant rails, Mojaloop, or Solana) by destination.
- **Resolve a payee across rails** — look up an alias / handle / QR in the cross-rail Directory
  before paying, with Confirmation of Payee name-checking.
- **Pay an x402 resource** — settle agentic-commerce (HTTP 402) charges on instant rails or
  stablecoin through the multi-rail x402 facilitator.
- **Quote and book FX** — get a live, verifiable cross-currency quote and settle against it.
- **Request-to-Pay / mandates** — raise a pull-payment request or a capped recurring mandate.
- **Reconcile and report** — settlement finality, reconciliation breaks, and EOD/regulatory reports.

Not a fit for: card acquiring, consumer wallets you host yourself, or non-payment workflows.

## Developer resources

- [API documentation](https://api.kibipay.com/docs): interactive reference for the Payments API.
- [OpenAPI spec](https://api.kibipay.com/openapi.json): machine-readable OpenAPI 3.1 surface (typed
  errors as `application/problem+json`, cursor pagination, `RateLimit-*` headers, `202` async jobs).
- [Developer portal](https://console.kibipay.com/developers): API keys, quickstart, and clients.
- [API tutorials](https://kibipay.com/api-tutorials/): worked guides for common integrations.
- [Webhooks](https://console.kibipay.com/webhooks): signed, retried event delivery (HMAC verification).
- [External MCP server](https://console.kibipay.com/external-mcp): per-agent delegated identity,
  scoped read + money-write tools, per-agent daily spend caps, first-use confirmation, and a
  tamper-evident money-audit chain — how an AI agent transacts over KibiPay rails.
- [API catalog](https://kibipay.com/.well-known/api-catalog): RFC 9727 linkset to the specs above.

## Conventions

- **Auth**: bearer API key per request; Ed25519 request signing is supported for directory writes.
- **Errors**: RFC 9457 `application/problem+json` with a machine-readable code and human message.
- **Rate limits**: standard `RateLimit-Limit` / `RateLimit-Remaining` / `RateLimit-Reset` headers,
  and `Retry-After` on `429`.
- **Versioning**: URL-path versioning (`/v1/…`).
- **Pagination**: cursor-based on list endpoints.

## Company

- [About](https://kibipay.com/about)
- [Contact](https://kibipay.com/contact)
- [Pricing](https://kibipay.com/pricing.md)
- [Payments blog](https://kibipay.com/blog/): guides on payment rails, ISO 20022, legacy protocols, AML, and OFAC sanctions.