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

# Overview

> Build banking products with Axra Treasury — KYC, wallets, payouts, and compliance

## What is Treasury?

Axra Treasury is a Banking-as-a-Service (BaaS) API that lets fintechs build banking products for their users. You manage the product experience — Axra handles KYC, wallets, payouts, and compliance.

## How it works

<Steps>
  <Step title="Sign up as a partner">
    Self-service sandbox signup — get `sk_test_*` and `pk_test_*` keys immediately. No human approval needed for test mode.
  </Step>

  <Step title="Create end-users">
    Create user accounts for your customers via the API. Each user gets KYC verification through our compliance pipeline.
  </Step>

  <Step title="Provision wallets">
    Create multi-currency wallets (USDC, NGN, EUR, etc.) for your users. Each wallet supports deposits via bank transfer, crypto, or mobile money.
  </Step>

  <Step title="Process payouts">
    Initiate payouts to bank accounts, mobile money, or crypto addresses. Axra routes to the optimal rail automatically.
  </Step>
</Steps>

## Key concepts

| Concept      | Description                                                                         |
| ------------ | ----------------------------------------------------------------------------------- |
| **Partner**  | Your organization. Has API keys, fee schedule, velocity limits.                     |
| **End-user** | Your customer. Has KYC status, wallets, transaction history.                        |
| **Wallet**   | A currency-scoped balance container. Supports deposits and withdrawals.             |
| **Payout**   | A withdrawal from a wallet to an external destination (bank, mobile money, crypto). |

## Partner isolation

Every API call is scoped to your partner. You cannot see or access another partner's end-users, wallets, or payouts. This is enforced at the database level.

## Sandbox

Test mode is fully functional without touching real payment rails:

* KYC fixtures for instant approve/reject
* Sandbox wallet credits (no real deposits needed)
* Payout simulation with configurable outcomes
* Webhook events fire to your registered endpoints