> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://docs.shimi.cash/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.shimi.cash/_mcp/server.

# API reference

**Base URL**

```
https://shimi-waas-api-9493532b9281.herokuapp.com/api/v1
```

**Authentication:** send `Authorization: Bearer <accessToken>` on every request except Generate Access Token and Refresh Access Token. See the [Quickstart](/quickstart).

## Sections

| Section                     | What it covers                                                          |
| --------------------------- | ----------------------------------------------------------------------- |
| Authentication              | Get and refresh access tokens                                           |
| Customers                   | Onboard BVN-verified customers and create their dedicated bank accounts |
| Customer Transactions       | Inbound transactions on your customers' dedicated accounts              |
| Virtual Accounts            | One-time, amount-locked accounts for collecting a single payment        |
| Settlement & Payouts        | Your wallet balances, bank account validation and payouts               |
| Corporate Accounts          | Onboard registered businesses and create their bank sub-accounts        |
| Crypto                      | Deposit addresses, crypto deposits and sending crypto out               |
| Card Issuing                | Issue and manage prepaid cards                                          |
| Airtime, Data & Bills (VTU) | Airtime, data, electricity and cable TV payments                        |
| Webhooks You'll Receive     | Payloads Shimi sends to your server                                     |

## Read before you integrate

* [Access & KYB](/access-and-kyb): errors every authenticated call can return
* [Responses & idempotency](/responses-and-idempotency): response formats, safe retries and uncertain outcomes
* [Webhooks](/webhooks): delivery rules and how to build a receiver