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

# Introduction

> What CBPay is and what you can build with the API

<img className="rounded-2xl" src="https://mintcdn.com/grupocbllc/3NwCI_F8po1OVlFF/images/hero.svg?fit=max&auto=format&n=3NwCI_F8po1OVlFF&q=85&s=1026204354c68a201b2bd883b4bae240" alt="CBPay — move your money at the speed of the world" noZoom width="1200" height="300" data-path="images/hero.svg" />

CBPay is a multi-currency payment platform for Latin America. Every
account holds **four independent virtual balances** — `USDT` (the operating
currency), `USDC`, `BTC` and `GOLD` (grams of gold) — and operates against
them:

<CardGroup cols={2}>
  <Card title="Fiat payouts" icon="money-bill-transfer" href="/en/guides/payouts">
    Send money to local bank accounts in Chile, Peru, Mexico, Venezuela,
    Bolivia, Brazil, Paraguay and Ecuador, debited from your USDT balance.
  </Card>

  <Card title="Fiat payins" icon="qrcode" href="/en/guides/payins">
    Collect in local currency (QR, transfers, hosted payment page and
    pull collections) and get credited automatically in USDT.
  </Card>

  <Card title="Internal transfers" icon="arrows-left-right" href="/en/guides/transfers">
    Move balance to any other CBPay account, instantly and
    free of charge.
  </Card>

  <Card title="On-chain crypto" icon="link" href="/en/guides/crypto">
    Fund with USDT over TRON or Ethereum and withdraw on-chain to any
    address.
  </Card>

  <Card title="Cards" icon="credit-card" href="/en/guides/cards">
    Issue virtual and physical cards that spend straight from any of the
    account's balances (USDT, USDC, BTC or GOLD), in real time.
  </Card>

  <Card title="Banking" icon="building-columns" href="/en/guides/banking">
    Real bank accounts in your name: receive, hold and send money over
    international rails (SEPA, SWIFT, ACH).
  </Card>

  <Card title="KYC/KYB" icon="user-check" href="/en/guides/kyc">
    Person and company verification with AML screening, rescreening and
    continuous monitoring.
  </Card>

  <Card title="Statement" icon="file-invoice" href="/en/guides/statement">
    Full account statement per period in JSON, PDF or Excel, with
    guaranteed accounting balance.
  </Card>
</CardGroup>

Every event reaches your **signed webhooks** ([guide](/en/webhooks)).

## How it works

Fiat operations revolve around the USDT balance (the USDC, BTC and GOLD
balances move via internal transfers, on-chain deposits and operator
credits) — money comes in on one side, converts, and goes out the other:

```mermaid theme={"theme":{"light":"github-light","dark":"github-dark"}}
flowchart LR
    subgraph moneyIn [Money in]
        payin["Fiat payin<br/>(QR, transfer, pull)"]
        deposit["On-chain USDT<br/>deposit"]
        transfIn["Internal transfer<br/>received"]
    end
    subgraph balance [Your CBPay account]
        usdt(("USDT balance<br/>available + held"))
    end
    subgraph moneyOut [Money out]
        payout["Fiat payout<br/>(bank, Yape, PIX, QR...)"]
        withdrawal["On-chain USDT<br/>withdrawal"]
        transfOut["Internal transfer<br/>sent"]
    end
    payin -->|"FX at your rate − fee"| usdt
    deposit -->|"− funding fee"| usdt
    transfIn -->|"free"| usdt
    usdt -->|"FX at your rate + fee"| payout
    usdt -->|"+ withdrawal fee"| withdrawal
    usdt -->|"free"| transfOut
    banking["Banking: real bank accounts<br/>(own balance, separate from USDT)"]
    usdt -.->|"fixed fees only"| banking
```

1. CBPay gives you access: email/password
   registration or a direct API key.
2. You fund your account: with a fiat payin or an on-chain USDT deposit.
3. You operate: payouts, transfers, withdrawals — everything debits and
   credits your USDT balance with FX conversion at execution time.
4. You stay informed: every movement lands in an immutable history
   (`GET /v1/movements`) and events reach your webhooks.

## Base URL

```
https://api.qbank.cl/platform
```

All paths in this documentation are relative to that base URL.

<Note>
  Amounts are always **decimal strings** (e.g. `"10.500000"`), never floating
  point numbers. Each currency uses its own precision: 6 decimals for
  `USDT`/`USDC`/`GOLD` and 8 for `BTC`.
</Note>

## Next steps

<Steps>
  <Step title="Create your account and token">
    Follow the [quickstart](/en/quickstart) to register and make your first
    call.
  </Step>

  <Step title="Understand the money model">
    Read [money model](/en/concepts/money-model) and
    [fees](/en/concepts/fees).
  </Step>

  <Step title="Integrate your first product">
    Start with [payouts](/en/guides/payouts) or [payins](/en/guides/payins).
  </Step>
</Steps>