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  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/authentication/generate-key</loc>
    <lastmod>2025-10-17T13:39:32.612Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/authentication/human-verify</loc>
    <lastmod>2025-10-17T13:39:32.613Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/authentication/login</loc>
    <lastmod>2025-10-17T13:39:32.611Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/authentication/refresh-token</loc>
    <lastmod>2025-10-17T13:39:32.615Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/bulk-payments/create-batches</loc>
    <lastmod>2026-03-31T09:35:56.496Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/bulk-payments/get-batch</loc>
    <lastmod>2026-03-31T09:35:56.497Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/bulk-payments/get-batch-payments</loc>
    <lastmod>2026-03-31T09:35:56.500Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/bulk-payments/get-statistics</loc>
    <lastmod>2026-03-31T09:35:56.495Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/bulk-payments/get-transaction</loc>
    <lastmod>2026-03-31T09:35:56.506Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/bulk-payments/get-wallets</loc>
    <lastmod>2026-03-31T09:35:56.520Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/bulk-payments/list-batches</loc>
    <lastmod>2026-03-31T09:35:56.557Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/bulk-payments/list-transactions</loc>
    <lastmod>2026-03-31T09:35:56.553Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/bulk-payments/preview-batches</loc>
    <lastmod>2026-03-31T09:35:56.555Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/bulk-payments/process-batch</loc>
    <lastmod>2026-03-31T09:35:56.551Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/bulk-payments/validate-csv</loc>
    <lastmod>2026-03-31T09:35:56.553Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/country-support/banks</loc>
    <lastmod>2025-10-17T13:39:32.635Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/country-support/countries</loc>
    <lastmod>2025-10-17T13:39:32.636Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/country-support/country-details</loc>
    <lastmod>2025-10-17T13:39:32.637Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/country-support/deposit-services</loc>
    <lastmod>2025-10-17T13:39:32.638Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/country-support/networks</loc>
    <lastmod>2025-10-17T13:39:32.636Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/country-support/withdraw-services</loc>
    <lastmod>2025-10-17T13:39:32.659Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/cross-border/generate-invoice</loc>
    <lastmod>2025-10-17T13:39:32.658Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/cross-border/get-invoice</loc>
    <lastmod>2025-10-17T13:39:32.664Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/cross-border/pay-invoice</loc>
    <lastmod>2025-10-17T13:39:32.663Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/cross-border/pay-invoice-status</loc>
    <lastmod>2025-10-17T13:39:32.661Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/customers/mobile-money/create</loc>
    <lastmod>2025-10-17T13:39:32.660Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/customers/mobile-money/get</loc>
    <lastmod>2025-10-17T13:39:32.662Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/customers/mobile-money/get-by-phone</loc>
    <lastmod>2025-10-17T13:39:32.660Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/customers/mobile-money/list</loc>
    <lastmod>2025-10-17T13:39:32.665Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/customers/mobile-money/update</loc>
    <lastmod>2025-10-17T13:39:32.665Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/customers/validate-bank</loc>
    <lastmod>2025-10-17T14:27:17.892Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/customers/validate-mobile-money</loc>
    <lastmod>2025-10-17T14:27:17.892Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/deposits/bank-checkout</loc>
    <lastmod>2025-10-17T13:39:32.689Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/deposits/bank-checkout-status</loc>
    <lastmod>2025-10-17T13:39:32.691Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/deposits/card</loc>
    <lastmod>2025-10-17T13:39:32.690Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/deposits/card-status</loc>
    <lastmod>2025-10-17T13:39:32.687Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/deposits/crypto-bridge</loc>
    <lastmod>2026-02-13T19:02:42.318Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/deposits/crypto-bridge-get-refund-config</loc>
    <lastmod>2026-03-26T00:21:18.870Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/deposits/crypto-bridge-regenerate-refund-config</loc>
    <lastmod>2026-03-26T00:21:18.867Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/deposits/crypto-bridge-status</loc>
    <lastmod>2026-02-13T19:02:42.320Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/deposits/crypto-bridge-webhook-provider-settlement</loc>
    <lastmod>2026-02-13T19:02:42.320Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/deposits/deposit-on-chain</loc>
    <lastmod>2026-01-30T15:55:42.228Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/deposits/deposit-on-chain-status</loc>
    
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/deposits/deposit-on-chain-supported-chains</loc>
    
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/deposits/initiate</loc>
    <lastmod>2025-10-17T13:39:32.689Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/deposits/mobile-money</loc>
    <lastmod>2025-10-17T13:39:32.694Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/deposits/mobile-money-status</loc>
    <lastmod>2025-10-17T13:39:32.693Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/deposits/status</loc>
    <lastmod>2025-10-17T13:39:32.695Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/integrator/create</loc>
    <lastmod>2025-10-17T13:39:32.717Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/integrator/get</loc>
    <lastmod>2025-10-17T13:39:32.716Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/integrator/update-webhook</loc>
    <lastmod>2025-10-17T13:39:32.718Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/introduction</loc>
    <lastmod>2025-10-17T12:55:19.528Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/kyc/create-address</loc>
    <lastmod>2025-10-17T13:39:32.712Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/kyc/create-basic-details</loc>
    <lastmod>2025-10-17T13:39:32.711Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/kyc/create-document</loc>
    <lastmod>2025-10-17T13:39:32.715Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/kyc/get-status</loc>
    <lastmod>2025-10-17T13:39:32.713Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/kyc/list-integrator-users</loc>
    <lastmod>2025-10-17T13:39:32.714Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/offramp/cancel</loc>
    <lastmod>2025-10-17T13:39:32.715Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/offramp/create</loc>
    <lastmod>2025-10-17T13:39:32.736Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/offramp/get-status</loc>
    <lastmod>2025-10-17T13:39:32.744Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/offramp/list-transactions</loc>
    <lastmod>2025-10-17T13:39:32.745Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/offramp/refund-status</loc>
    <lastmod>2025-10-17T13:39:32.747Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/offramp/retry-refund</loc>
    <lastmod>2026-01-30T15:55:42.282Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/offramp/status</loc>
    <lastmod>2025-10-17T13:39:32.737Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/onramp/create</loc>
    <lastmod>2025-10-17T13:39:32.734Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/onramp/crypto</loc>
    <lastmod>2025-10-17T13:39:32.735Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/onramp/crypto-status</loc>
    <lastmod>2025-10-17T13:39:32.746Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/onramp/get-crypto-status</loc>
    <lastmod>2025-10-17T13:39:32.748Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/onramp/get-status</loc>
    <lastmod>2025-10-17T13:39:32.766Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/onramp/status</loc>
    <lastmod>2025-10-17T13:39:32.765Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/payouts/initiate</loc>
    <lastmod>2025-10-17T13:39:32.771Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/payouts/status</loc>
    <lastmod>2025-10-17T13:39:32.772Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/rates/crypto-bridge-rate</loc>
    <lastmod>2026-02-13T19:13:58.779Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/rates/fiat-to-fiat</loc>
    <lastmod>2025-10-17T13:39:32.770Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/rates/get-all-rates</loc>
    <lastmod>2025-10-17T13:39:32.764Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/rates/get-rate</loc>
    <lastmod>2025-10-17T13:39:32.768Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/rates/offramp-rate</loc>
    <lastmod>2025-10-17T13:39:32.769Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/rates/onramp-rate</loc>
    <lastmod>2025-10-17T13:39:32.767Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/system/health</loc>
    <lastmod>2025-10-17T13:39:32.773Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/system/providers</loc>
    <lastmod>2025-10-17T13:39:32.793Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/wallets/crypto/create</loc>
    <lastmod>2025-10-17T13:39:32.793Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/wallets/crypto/get</loc>
    <lastmod>2025-10-17T13:39:32.797Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/wallets/crypto/list</loc>
    <lastmod>2025-10-17T13:39:32.792Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/wallets/fiat/create</loc>
    <lastmod>2025-10-17T13:39:32.791Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/wallets/fiat/get</loc>
    <lastmod>2025-10-17T13:39:32.790Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/wallets/fiat/get-by-currency</loc>
    <lastmod>2025-10-17T13:39:32.789Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/wallets/fiat/list</loc>
    <lastmod>2025-10-17T13:39:32.794Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/wallets/fiat/transfer-deposit-balance</loc>
    <lastmod>2025-10-17T13:39:32.795Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/wallets/fiat/update</loc>
    <lastmod>2025-10-17T13:39:32.796Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/withdrawals/bank</loc>
    <lastmod>2026-02-19T16:04:48.977Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/withdrawals/bank-status</loc>
    <lastmod>2025-10-17T13:39:32.822Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/withdrawals/bank-v2</loc>
    <lastmod>2025-10-17T13:39:32.819Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/withdrawals/lipa-na-mpesa</loc>
    <lastmod>2026-01-30T15:55:42.470Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/withdrawals/mobile-money</loc>
    <lastmod>2025-10-17T13:39:32.822Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/withdrawals/mobile-money-status</loc>
    <lastmod>2025-10-17T13:39:32.825Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/withdrawals/paybill</loc>
    <lastmod>2026-01-30T15:55:42.501Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/api-reference/withdrawals/supporting-banks</loc>
    <lastmod>2025-10-17T13:39:32.824Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/development</loc>
    <lastmod>2025-10-17T12:55:21.107Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/essentials/error-handling</loc>
    <lastmod>2025-10-17T12:55:21.109Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/essentials/offramp-refunds</loc>
    <lastmod>2026-03-26T00:38:30.828Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/essentials/rate-limits</loc>
    <lastmod>2025-10-17T12:55:21.110Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/essentials/transaction-statuses</loc>
    
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/essentials/webhooks</loc>
    <lastmod>2026-03-26T00:38:31.450Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/flows/bulk-payments-flow</loc>
    <lastmod>2025-12-04T08:25:08.061Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/flows/crypto-bridge-flow</loc>
    <lastmod>2026-02-13T19:20:44.120Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/flows/deposit-flow</loc>
    <lastmod>2025-12-04T08:25:08.058Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/flows/offramp-flow</loc>
    <lastmod>2025-12-04T08:25:08.059Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/flows/onramp-flow</loc>
    <lastmod>2025-12-04T08:25:08.060Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/flows/payment-links-flow</loc>
    <lastmod>2025-12-04T08:25:08.061Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/flows/withdrawal-flow</loc>
    <lastmod>2025-12-04T08:25:08.060Z</lastmod>
  </url>

  <url>
    <loc>https://developers.kotanipay.com/v3/overview</loc>
    <lastmod>2026-02-13T19:00:21.042Z</lastmod>
  </url>

  <url>
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    <lastmod>2025-10-02T16:23:56.105Z</lastmod>
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  <url>
    <loc>https://developers.kotanipay.com/v3/run-in-postman</loc>
    <lastmod>2026-03-05T17:40:44.480Z</lastmod>
  </url>
</urlset>