# Yara

> Stablecoin infrastructure for businesses building in Africa.

## Docs

- [Create a deposit address](https://developers.yara.cash/api-reference/publicaddresses/create-a-deposit-address.md): Creates a receive address for a supported chain. The returned address ID is the stable identifier integrators should store.
- [Get a deposit address](https://developers.yara.cash/api-reference/publicaddresses/get-a-deposit-address.md): Returns a single deposit address owned by the authenticated merchant.
- [List deposit addresses](https://developers.yara.cash/api-reference/publicaddresses/list-deposit-addresses.md): Lists merchant deposit addresses with optional chain and status filters.
- [Get merchant USD balance](https://developers.yara.cash/api-reference/publicbalance/get-merchant-usd-balance.md): Returns the merchant's USD available and reserved balances from Formance. Pending deposits are unconfirmed deposit records and are not spendable ledger balance.
- [List supported chains](https://developers.yara.cash/api-reference/publicchains/list-supported-chains.md): Returns chains and asset rails currently understood by the external API.
- [Get a customer verification submission](https://developers.yara.cash/api-reference/publiccustomer-verification/get-a-customer-verification-submission.md): Returns safe state for one verification attempt without returning the submitted KYC or KYB payload.
- [List customer verification submissions](https://developers.yara.cash/api-reference/publiccustomer-verification/list-customer-verification-submissions.md): Lists immutable verification attempts for one merchant-owned customer.
- [Submit customer verification](https://developers.yara.cash/api-reference/publiccustomer-verification/submit-customer-verification.md): Stores an immutable encrypted verification attempt, submits it for review, and returns the safe asynchronous submission state.
- [Create an end customer](https://developers.yara.cash/api-reference/publiccustomers/create-an-end-customer.md): Creates a merchant-owned customer and provisions the corresponding verification profile.
- [Get an end customer](https://developers.yara.cash/api-reference/publiccustomers/get-an-end-customer.md): Returns one customer owned by the authenticated merchant.
- [List end customers](https://developers.yara.cash/api-reference/publiccustomers/list-end-customers.md): Lists customers owned by the authenticated merchant.
- [Get a deposit](https://developers.yara.cash/api-reference/publicdeposits/get-a-deposit.md): Returns a single deposit owned by the authenticated merchant.
- [List deposits](https://developers.yara.cash/api-reference/publicdeposits/list-deposits.md): Lists merchant deposit records. Sweeps are intentionally excluded.
- [Get active fees](https://developers.yara.cash/api-reference/publicfees/get-active-fees.md): Returns the active merchant fee schedule.
- [Health check](https://developers.yara.cash/api-reference/publichealth/health-check.md): Returns process health.
- [Readiness check](https://developers.yara.cash/api-reference/publichealth/readiness-check.md): Returns database readiness.
- [Get current rates](https://developers.yara.cash/api-reference/publicrates/get-current-rates.md): Returns current USD conversion rates and expiry information.
- [List merchant transactions](https://developers.yara.cash/api-reference/publictransactions/list-merchant-transactions.md): Lists deposit and transfer projections for the merchant. Sweeps are not included in this feed.
- [Get a transfer](https://developers.yara.cash/api-reference/publictransfers/get-a-transfer.md): Returns a single merchant transfer, including its funding intent and any provider-confirmed funding receipts.
- [Get transfer funding details](https://developers.yara.cash/api-reference/publictransfers/get-transfer-funding-details.md): Returns the immutable funding economics and the transfer-specific bank or crypto instructions. A pending intent without instructions is still being provisioned and may be polled.
- [Initiate a transfer](https://developers.yara.cash/api-reference/publictransfers/initiate-a-transfer.md): Creates a merchant-principal transfer from a valid quote. Balance-funded transfers reserve immediately; bank/crypto-funded transfers return intent-specific funding instructions and wait for an exact receipt. The request contract has no customer or on-behalf-of field.
- [List transfers](https://developers.yara.cash/api-reference/publictransfers/list-transfers.md): Lists merchant transfer intents.
- [Quote a transfer](https://developers.yara.cash/api-reference/publictransfers/quote-a-transfer.md): Quotes a transfer to an already whitelisted recipient. USD bank transfers require the authenticated merchant's verified Tier 2 business profile and approved USD banking capability; no customer identity is accepted as the transfer principal.
- [Create a customer USD virtual account](https://developers.yara.cash/api-reference/publicvirtual-accounts/create-a-customer-usd-virtual-account.md): Creates or returns the existing live USD virtual account for a Tier-2-verified customer. The response is masked; retrieve the account by ID for full active deposit instructions.
- [Get a customer USD virtual account](https://developers.yara.cash/api-reference/publicvirtual-accounts/get-a-customer-usd-virtual-account.md): Returns one merchant-owned virtual account. Full deposit instructions are returned only while the account is ACTIVE and the response must not be cached.
- [Get a customer USD virtual-account deposit](https://developers.yara.cash/api-reference/publicvirtual-accounts/get-a-customer-usd-virtual-account-deposit.md): Returns one provider-confirmed deposit owned by the authenticated merchant, including the snapshotted Yara fee and merchant credit.
- [List customer USD virtual-account deposits](https://developers.yara.cash/api-reference/publicvirtual-accounts/list-customer-usd-virtual-account-deposits.md): Lists provider-confirmed USD deposits attributed to the authenticated merchant's customers. The merchant owns every credited balance; customer_id is attribution only.
- [List customer USD virtual accounts](https://developers.yara.cash/api-reference/publicvirtual-accounts/list-customer-usd-virtual-accounts.md): Lists virtual accounts owned by the authenticated merchant. Deposit instructions are always masked in collection responses.
- [List one customer's USD virtual accounts](https://developers.yara.cash/api-reference/publicvirtual-accounts/list-one-customers-usd-virtual-accounts.md): Lists virtual accounts for a customer owned by the authenticated merchant. A customer owned by another merchant is returned as not found.
- [List webhook events](https://developers.yara.cash/api-reference/publicwebhooks/list-webhook-events.md): Lists outbound webhook events and delivery status history for the authenticated merchant.
- [Authentication](https://developers.yara.cash/get-started/authentication.md): How to authenticate your requests to the Yara API.
- [Environments](https://developers.yara.cash/get-started/environments.md): Test safely in sandbox, then go live in production.
- [Quickstart](https://developers.yara.cash/get-started/quickstart.md): Create a deposit address, receive a stablecoin deposit, and pay out.
- [What is Yara?](https://developers.yara.cash/get-started/what-is-yara.md): Stablecoin infrastructure for businesses building financial products in Africa.
- [Build with Yara](https://developers.yara.cash/index.md): Stablecoin infrastructure that lets businesses embed wallets, ramps, and USD accounts directly into their products.
- [Yara Liquidity](https://developers.yara.cash/liquidity/overview.md): Stablecoin Liquidity as a Service for treasury, payouts, trading, and settlement.
- [Ramps](https://developers.yara.cash/ramps/overview.md): Fiat-to-stablecoin and stablecoin-to-fiat flows for African markets.
- [Customers](https://developers.yara.cash/virtual-accounts/customers.md): Create and manage the people and businesses that receive customer-scoped Yara products.
- [USD Virtual Accounts](https://developers.yara.cash/virtual-accounts/overview.md): Receive USD payments that connect into stablecoin workflows.
- [Customer verification](https://developers.yara.cash/virtual-accounts/verification.md): Submit and track the KYC or KYB required for customer-scoped products.
- [Customer webhooks](https://developers.yara.cash/virtual-accounts/webhooks.md): Receive customer creation and verification state notifications.
- [API reference](https://developers.yara.cash/wallets/api-reference/overview.md): The WAAS endpoints for addresses, balance, transfers, and more.
- [Core concepts](https://developers.yara.cash/wallets/concepts.md): The building blocks of Wallets as a Service.
- [Create a deposit address](https://developers.yara.cash/wallets/guides/create-an-address.md): Provision an on-chain address to receive stablecoins.
- [Make a transfer](https://developers.yara.cash/wallets/guides/make-a-transfer.md): Quote a payout, choose how to fund it, and initiate a transfer to a whitelisted destination.
- [Receive funds](https://developers.yara.cash/wallets/guides/receive-funds.md): Accept stablecoin deposits and see them credited to your USD balance.
- [Webhooks](https://developers.yara.cash/wallets/guides/webhooks.md): Get real-time notifications for deposits, transfers, customers, and verification.
- [Whitelist a recipient](https://developers.yara.cash/wallets/guides/whitelist-an-address.md): Approve a payout destination in the dashboard before sending funds.
- [Wallets as a Service](https://developers.yara.cash/wallets/overview.md): Receive stablecoins, hold a USD balance, and pay out to whitelisted recipients.

## OpenAPI Specs

- [openapi](https://developers.yara.cash/openapi.json)

## Optional

- [Dashboard](https://dashboard.yara.cash)
- [Support](mailto:support@yara.cash)