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Documentation Index

Fetch the complete documentation index at: https://developers.kotanipay.com/llms.txt

Use this file to discover all available pages before exploring further.

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.

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Core Operations

Deposits

Collect mobile money, bank, and card payments from users

Withdrawals

Disburse funds to mobile money wallets and bank accounts

Onramp

Accept fiat payment and deliver crypto to a wallet address

Offramp

Accept crypto and disburse fiat via mobile money or bank transfer

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Getting Started

1

Access the dashboard

Log in to backoffice.kotanipay.com with your email and password. If you’re logging in for the first time, use the Forgot Password flow to set your password via OTP.Dashboard login guide →
2

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/secure to generate your API key.API key guide →
3

Make your first API call

Point requests at the sandbox URL and include your API key in the Authorization: Bearer header.Quickstart →

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Environments

EnvironmentBase URL
Sandboxhttps://sandbox-api.kotanipay.com
Productionhttps://api.kotanipay.com
Use sandbox for all development and testing. No real money moves in sandbox.

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Try It Now

Run in Postman

Fork the full API collection with pre-configured environments

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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.