9.5 Documentation (APIs)

Developer & Enterprise Hub

Enterprise-grade APIs built for fintech apps, exchanges, wallets, merchants, e-commerce, institutional investors, PPP entities, and payment processors.

Core API Reference

Wallet APIs

Create wallet, fetch balances, transfer USDT (internal & on-chain), cross-chain bridge, withdrawal whitelisting, gas estimation.

POST /v1/walletGET /v1/balancePOST /v1/transfer

Payments & Billing APIs

Fetch biller list, fetch bill amount, initiate utility bill payment, check status, download receipts.

GET /v1/billersPOST /v1/payGET /v1/receipt

Merchant APIs

Generate QR (static/dynamic), verify payment, settlement status, auto off-ramp triggers, invoice CRUD, refund, webhooks.

POST /v1/qrGET /v1/settlementPOST /v1/invoice

KapVault (Yield) APIs

Fetch vault list, APY & risk score, deposit/withdraw, daily yield history, vault health (KapClear synced), insurance details.

GET /v3/vaultsPOST /v3/depositGET /v3/yield

KapTrade APIs

Get crypto prices, place/cancel orders, DEX routes, tokenized stock NAV, agricultural marketplace endpoints.

GET /v2/marketPOST /v2/orderGET /v2/route

Tokenized Assets APIs

Fetch RWA list, NAV history, backing verification, asset metadata, market feed subscription.

GET /v2/rwaGET /v2/navPOST /v2/subscribe

KapClear (Transparency) APIs

Proof-of-reserves, vault reserve composition, PPP pool data, smart contract audit logs, reports.

GET /v4/reservesGET /v4/auditGET /v4/ppp-pool

KapSure Insurance APIs

Policy status, coverage eligibility, event triggers, claim submission, depeg alerts, accident logs.

GET /v3/policyPOST /v3/claimGET /v3/alerts

Security & Authentication

  • Methods: OAuth 2.0, Bearer Tokens, HMAC-SHA256, IP Whitelisting, Device Binding, JWT.
  • Encryption: TLS 1.3 + AES-256 + MPC Key Signing for all sensitive operations.
  • Rate Limits: Standard 300/min | Merchant 1,000/min | Institutional 5,000/min.
  • Compliance: AML screening, KYC validation, Chainalysis monitoring, and strict audit trail logging integrated.

Developer Tools & Sandbox

  • Test Environment: Full Testnet wallet suite + automated test USDT mint faucet.
  • Simulators: Mock billers, simulated KapVault instances, and an isolated trading simulation engine.
  • Mock Data: PPP mock NAV feeds, robust webhook testing console, and interactive API playground.

Webhooks (99.999% Reliability)

Real-time event subscriptions ensure your systems are immediately notified of critical state changes.

// Supported Event Triggers

events = [
  "payment.received", // Payment verified
  "merchant.settled", // Off-ramp sent via Fiat
  "vault.yield.credited", // Daily APY payout
  "trade.executed", // DEX/CEX fill
  "ppp.nav.updated", // Private Placement
  "insurance.alert"
];

API Versioning

We maintain active version streams tailored for different operational complexity layers. Deprecated APIs carry a strict 90-day sunset notice.

v1 — Core Wallet, Payments, Merchantv2 — KapTrade, RWA Tokenizationv3 — PPP, Institutional KapVaultv4 — AI-Driven Analytics & PoR