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Kaito Developer Portal

Welcome to the Kaito APIs. This portal provides OpenAPI specs, quickstarts, and security details so you can build, test, and launch on Kaito.

What is Kaito?

Kaito provides API-based connectivity as a payment rail to move value across regions and rails:

  • FIAT <-> FIAT — Cross-border fiat transfers
  • FIAT <-> CRYPTO — On-ramp to crypto
  • CRYPTO <-> FIAT — Off-ramp to fiat
  • CRYPTO <-> CRYPTO — On-chain transfers

You integrate once with the Kaito API, and Kaito handles routing, provider selection, fallbacks, and settlement orchestration.

Integration Options

OptionDescriptionUse Case
API DirectFull control via REST APIBackend integrations
JavaScript SDK@kaito/checkout-sdkWeb applications
Hosted CheckoutRedirect to KaitoQuick integration
iFrame EmbedWidget in your appCustom UI

Environments

EnvironmentBase URLPurpose
Productionhttps://api.kai2.ioLive transactions
Sandboxhttps://sandbox.api.kai2.ioTesting with mock data

API Catalog

Core API

Quotes, payments, payouts, and FX operations.

FeatureDescription
QuotesLock pricing and routing for a limited time window
Execution PlansPreview the multi-hop execution path
PaymentsExecute on-ramp (FIAT_CRYPTO) and on-chain (CRYPTO_CRYPTO) payments
PayoutsExecute off-ramp (CRYPTO_FIAT) and cross-border (FIAT_FIAT) payouts
FX RatesIndicative exchange rates
FX QuotesFirm, executable FX quotes
CorridorsSupported country pairs and rails

Spec: core.yaml

Users API

Identity verification, wallet management, and directory services.

FeatureDescription
Identity (KYC)Individual identity verification
Identity (KYB)Business verification
WalletsCustodial wallet creation and management
Directory ResolutionResolve handles, phone numbers, emails to wallet addresses
HandlesManage user handles/aliases
ContactsAddress book management

Spec: users.yaml

Merchant API

Payment acceptance and banking services for merchants.

FeatureDescription
ChargesIn-person payment acceptance (NFC, QR, Alias)
RefundsFull or partial refunds
MerchantsMerchant account management
SettlementsView settlement history and status
BalancesAvailable and pending balances
ReconciliationDaily reports (CSV, XLSX, JSON)
FeesFee breakdown and summaries

Spec: merchant.yaml

Platform API

Webhooks and blockchain gateway operations.

FeatureDescription
Webhook EndpointsRegister and manage webhook subscriptions
Event TypesList available event types
Fee EstimationEstimate network fees before transactions
Transaction BroadcastSubmit signed transactions to blockchain networks

Spec: platform.yaml

Security

MechanismDescription
OAuth2Client credentials from https://auth.kai2.io/oauth2/token
mTLSClient certificate required on every request
ScopesRequest only needed scopes (e.g., payments:write)
IdempotencyIdempotency-Key header for safe retries
WebhooksHMAC-SHA256 signature verification

Quick Start

# 1. Get access token
curl -X POST https://auth.kai2.io/oauth2/token \
  -d "grant_type=client_credentials" \
  -d "client_id=YOUR_CLIENT_ID" \
  -d "client_secret=YOUR_CLIENT_SECRET" \
  -d "audience=https://api.kai2.io"

# 2. Create a quote
curl -X POST https://sandbox.api.kai2.io/v1/quotes \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "railType": "FIAT_CRYPTO",
    "sender": { "amount": "100", "currency": "USD" },
    "receiver": { "currency": "USDT" },
    "corridor": "US-GT"
  }'

# 3. Execute payment
curl -X POST https://sandbox.api.kai2.io/v1/payments \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Idempotency-Key: unique-key-123" \
  -H "Content-Type: application/json" \
  -d '{
    "railType": "FIAT_CRYPTO",
    "amount": 100,
    "currency": "USD",
    "destination": { "type": "address", "value": "0x..." },
    "quoteId": "qt_01JH..."
  }'

SDKs & Tools

  • Auto-generate clients from OpenAPI specs (TypeScript, Python, Java, Go)
  • Import specs into Postman/Insomnia

Documentation

Last updated: 2025-12-22

 
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