> ## 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.

# Welcome to Kotani Pay

> Move money to and from Africa over local payment channels — mobile money, banks, and blockchain.

Kotani Pay connects your application to local payment channels across Africa —
mobile money networks, bank transfers, and blockchain networks. Use it to collect
payments from your users, pay them out, or convert between fiat and crypto.

## What you can do

<CardGroup cols={2}>
  <Card title="Collect payments" icon="arrow-down" href="/v3/flows/deposit-flow">
    Take mobile money, bank, and card payments from your users
  </Card>

  <Card title="Pay people out" icon="arrow-up" href="/v3/flows/withdrawal-flow">
    Send funds to mobile money wallets and bank accounts
  </Card>

  <Card title="Sell crypto for cash" icon="money-bill" href="/v3/flows/offramp-flow">
    Take crypto and pay out local currency
  </Card>

  <Card title="Buy crypto with cash" icon="coins" href="/v3/flows/onramp-flow">
    Take local currency and deliver crypto to a wallet
  </Card>
</CardGroup>

## Get started in three steps

<Steps>
  <Step title="Log in to the dashboard">
    Everything starts here — wallets, balances, keys and transactions.

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

  <Step title="Generate an API key">
    Fastest from the dashboard, in a couple of clicks. No code needed.

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

  <Step title="Make your first call">
    Point at sandbox and move test money end to end.

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

## Environments

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

Build against sandbox. No real money moves there, and the reserved
[test values](/v3/testing/sandbox-scenarios) let you reproduce failures on demand.

## Prefer to poke at it first?

<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 collection with environments already set up
</Card>

## Who uses this

Remittance, forex, digital lending, insurance, savings, social protection, business
financing and gig worker payments. If you're moving money to or from Africa over
local channels, this API covers it.