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

# Core Concepts

Understand the main building blocks of KryptaPay so you can pick the right integration path.

## Wallets

View your liquidity status in real time. The API exposes your portfolio balances in 9 different currencies (EUR, USD, XOF, XAF, NGN, GHS, CDF, USDC, USDT), clearly distinguishing between available and reserved amounts.

## Payins

This module allows you to initiate and centralize fundraising through three major channels: Mobile Money requests (USSD Push in 9 countries), local bank transfers, and the issuance of permanent virtual accounts (SEPA IBAN and USD accounts).

## Payouts

The disbursement API routes your outgoing funds to the most suitable channel: Mobile Money wallets, bank accounts (local, SEPA, SWIFT) or cryptographic addresses (USDC/USDT stablecoins on Ethereum, Polygon, Tron).

## Counterparties

Before issuing a payment, the API allows you to create, validate, and manage your beneficiaries (individuals or businesses). You can associate multiple accounts (e.g., an IBAN, a Mobile Money number, and a USDT address) with a single third party.

## Changes

Query our exchange engine to obtain real-time quotes and perform immediate conversions between your different portfolios (fiat/fiat or fiat/crypto pairs).

## Invoices

This service digitizes the creation and tracking of multi-line invoices, integrating VAT management and multi-currency support. It automatically generates a PDF and a secure public payment link.

## Permanent Virtual Accounts

Provide your business with dedicated bank details to automatically receive transfers from your customers, covering European IBAN accounts (SEPA in EUR) and USD accounts (ACH/FedWire) supported by XOF.

## Webhooks

Abonnez vos serveurs à nos webhooks pour recevoir des requêtes HTTPS dès qu'un événement survient sur votre compte (paiement réussi, échec, réception de fonds sur un IBAN virtuel, validation d'un bénéficiaire).

## Next Steps

<CardGroup cols={2}>
  <Card title="Providers" icon="diagram-subtask" href="/providers">
    Find the list of all available providers, their currency.
  </Card>

  <Card title="Deposits" icon="inbox-arrow-down" href="/deposits">
    Learn how to make a deposit.
  </Card>

  <Card title="Payouts" icon="inbox-arrow-up" href="/payouts">
    Learn how to make a withdrawal.
  </Card>

  <Card title="Webhooks" icon="code" href="/webhooks">
    Learn how to set up webhook to get notified in real time.
  </Card>

  <Card title="Verification and Compliance" icon="address-card" href="/compliance">
    Learn how KryptaPay uses KYB and KYC verification to provide secure, transparent, and trusted payment services.
  </Card>
</CardGroup>