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

# Overview

Welcome to the remittance platform documentation. This guide will help you understand how our international money transfer system works and how to integrate it into your application.

### What is Remittance?

Our remittance platform enables **fast, secure, and compliant international money transfers**. Senders can send money across borders to beneficiaries via:

* **Bank transfers** - Direct deposits to bank accounts
* **Mobile money** - Instant transfers to mobile wallets
* **Cash pickup** - Beneficiary collects cash at agent locations

### Key Features

<CardGroup cols={2}>
  <Card title="Multi-Currency Support">
    Send from GBP, USD, EUR to 50+ destination currencies at competitive exchange rates.
  </Card>

  <Card title="Multiple Payout Methods">
    Bank transfer, mobile money, and cash pickup options across more than 100+
    countries.
  </Card>

  <Card title="Compliance Built-In">
    Automated KYC/AML screening, sanctions checking, and regulatory compliance
  </Card>

  <Card title="Real-Time FX Rates">
    Live exchange rates with transparent fee structure, markup support and rate
    adjustments and locking.
  </Card>

  <Card title="Fast Settlement">
    Most transactions complete within 1-24 hours, with instant options available
  </Card>

  <Card title="API-First Design">
    RESTful APIs with comprehensive documentation and sandbox environment
  </Card>
</CardGroup>

### How It Works

The remittance flow consists of four main phases:

<Steps>
  <Step title="Sender Onboarding">
    Senders register, complete KYC verification, and set up their profile with
    required compliance documentation.
  </Step>

  <Step title="Transaction Initiation">
    Senders get a quote with live FX rates, select or create beneficiaries, and
    review transaction details.
  </Step>

  <Step title="Collection">
    Secure payment via card or open banking, followed by automated compliance
    screening and FX conversion.
  </Step>

  <Step title="Settlement">
    Funds are disbursed to beneficiaries, and both parties receive confirmation
    notifications.
  </Step>
</Steps>

<Info>
  For detailed visual flow, see the [Process Flows](/remittance/process-flows)
  page.
</Info>

### Core Concepts

#### Transaction Lifecycle

Every transaction moves through defined states from creation to completion:

```
WAITING_TO_PAY → VERIFYING → PAID
```

Transactions can also transition to `CANCELLED`, `EXPIRED`, `FAILED_TO_DELIVER`, `PENDING_REFUND`, or `REFUNDED` based on various conditions.

<Card title="Learn More" href="/remittance/transactions">
  See detailed state transitions and what triggers each status change.
</Card>

#### Exchange Rates

Exchange rates are fetched in real-time during the transaction process. The final rate includes:

* **Base exchange rate** - Market rate from our/your liquidity providers
* **FX margin** - Small markup for sustainability
* **Transfer fee** - Fixed or percentage-based fee per transaction

<Card title="Learn More" href="/remittance/fx-rates">
  Understand how FX rates are calculated and applied.
</Card>

#### Beneficiaries

Beneficiaries are the recipients of remittance transfers. Senders can:

* Save beneficiaries for future transactions
* Manage multiple beneficiaries
* Update beneficiary details
* Each beneficiary undergoes details validation:
  * **Bank transfers**: Account and bank details validation (if supported by payout partner)
  * **Mobile money**: Phone number validation (if supported by payout partner)

<Card title="Learn More" href="/remittance/beneficiaries">
  Explore beneficiary management and validation.
</Card>

#### Corridors

A corridor represents a **send-receive country pair** with specific:

* Supported payout methods
* Transaction limits
* Processing times
* Fee structures
* Regulatory requirements

<Card title="Learn More" href="/remittance/corridors">
  View all supported corridors and their specifications.
</Card>

### Compliance & Security

We operate a **tiered KYC system** as well as a dynamic compliance system to balance sender experience with regulatory requirements as well as custom client integrations:

#### AML/CFT Screening

Every transaction is screened against:

* **Sanctions lists** - OFAC, EU, UN consolidated lists
* **PEP databases** - Politically exposed persons screening
* **Transaction patterns** - Unusual activity detection
* **Risk scoring** - Dynamic risk assessment

<Card title="Learn More" href="/remittance/compliance">
  Deep dive into compliance requirements and processes.
</Card>

### Integration Quick Start

Before you begin:

<Steps>
  <Step title="Get API Credentials">
    Contact our team to receive your sandbox API keys and base URL.
  </Step>

  <Step title="Review API Documentation">
    Familiarize yourself with our [API Reference](/api/introduction).
  </Step>

  <Step title="Understand the Flow">
    Read through the [Process Flows](/remittance/process-flows) to understand
    the complete senders journey.
  </Step>
</Steps>

<Card title="Complete API Reference" href="/api/authentication">
  Explore all available endpoints with request/response examples.
</Card>

### Supported Payout Methods

#### Bank Transfer

Direct deposit to beneficiary's bank account via SWIFT or alternative rails.

* **Settlement Time**: Instant
* **Coverage**: 100+ countries
* **Best for**: Large amounts, regular recipients

#### Mobile Money

Instant transfer to mobile wallet providers like MTN, Airtel, Vodafone, and more.

* **Settlement**: Instant -1hr
* **Coverage**: Africa, Asia, Latin America
* **Best for**: Unbanked recipients, urgent transfers

#### Cash Pickup

Beneficiary collects cash at partner agent locations.

* **Settlement**: Instant availability
* **Coverage**: 200+ countries via partner networks
* **Best for**: Recipients without bank accounts or mobile wallets

<Card title="View All Methods" href="/remittance/settlement">
  Detailed settlement options and requirements.
</Card>

### Fee Structure

Our transparent fee structure includes:

* Transfer Fees
* Payment Method Fees
* FX Margin

<Card title="Complete Fee Details" href="/remittance/fees">
  View detailed fee structure for all corridors.
</Card>

### Testing & Sandbox

We provide a full-featured sandbox environment for testing:

* **Sandbox URL**: `https://{domain}.fincode.software`
* **Test credentials**: Provided upon registration
* **Mock payment gateway**: Simulate successful/failed payments
* **No real money**: All transactions are simulated

<Tip>
  Use the sandbox to test all flows, edge cases, and error handling before going
  live.
</Tip>

### Integration Models

We support two primary integration approaches to fit your business needs:

<Tabs>
  <Tab title="Full Customer Journey">
    ### End-to-End Integration

    Build the complete remittance experience within your application, managing the entire user journey from registration to transaction completion.

    **Flow**:

    1. User onboarding and registration
    2. KYC verification
    3. Transaction initiation
    4. Payment collection
    5. Compliance screening
    6. Settlement

    **Documentation**:

    * [Complete Process Flows](/remittance/process-flows)
    * [User Management APIs](/api/users/create-customer)
    * [Authentication](/api/auth/login)

    ### Complete Transaction Journey

    The diagram below shows the end-to-end flow for **full customer journey** integration:

    ```mermaid theme={null}
    graph TD
        A[Download App] --> B[Sign Up]
        B --> C[Login]
        C --> D{KYC Required?}
        D -->|Yes| E[Complete KYC]
        D -->|No| F[Dashboard]
        E --> G{CRA Forms?}
        G -->|Yes| H[Complete CRA Forms]
        G -->|No| F
        H --> F
        F --> I[Initiate Transaction]
        I --> J[Select Transaction Type]
        J --> K[Choose Destination Country]
        K --> L[Enter Amount]
        L --> M[Get Quote with FX Rate]
        M --> N{Beneficiary Exists?}
        N -->|Yes| O[Select Beneficiary]
        N -->|No| P[Create New Beneficiary]
        O --> Q[Review Transaction]
        P --> Q
        Q --> R[Make Payment]
        R --> S[Compliance Check]
        S --> T[FX Conversion]
        T --> U[Disbursement]
        U --> V[Transaction Complete]

        style A fill:#e1f5ff
        style V fill:#d4edda
        style S fill:#fff3cd
    ```
  </Tab>

  <Tab title="Transaction-Only Integration">
    ### Direct Transaction Submission

    If you already manage your own customers and KYC processes, you can submit transactions directly with customer and beneficiary details included.

    **Flow**:

    ```
    Your System (Customer Management) 
           ↓
    Submit Transaction (with customer + beneficiary data)
           ↓
    Our System (Compliance + Settlement)
           ↓
    Transaction Complete
    ```

    **What You Provide**:

    * Customer information (name, email, phone, address)
    * Beneficiary details (name, account/phone, country)
    * Transaction amount and currency

    **What We Handle**:

    * Payment routing
    * Settlement to beneficiary
    * Status updates via webhooks

    For **transaction-only integration**, your flow starts at the "Compliance Check" stage, with customer and beneficiary data already provided:

    ```mermaid theme={null}
    graph TD
        A[Your System] --> B[Submit Transaction with Customer Data]
        B --> C[Our System: Compliance Check]
        C --> D[Disbursement]
        D --> E[Transaction Complete]
        E --> F[Webhook Notification to Your System]

        style A fill:#e1f5ff
        style F fill:#d4edda
        style C fill:#fff3cd
    ```

    <Info>
      Contact our integration team to enable direct transaction submission for your account.
    </Info>
  </Tab>
</Tabs>

## Next Steps

<CardGroup cols={2}>
  <Card title="Process Flows" href="/remittance/process-flows">
    Visualize the complete transaction journey with detailed diagrams
  </Card>

  <Card title="Transaction Lifecycle" href="/remittance/transactions">
    Understand transaction states and transitions
  </Card>

  <Card title="View Corridors" href="/remittance/corridors">
    Explore supported countries and their specifications
  </Card>

  <Card title="Start Integrating" href="/api/authentication">
    Jump into the API documentation and begin building
  </Card>
</CardGroup>