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

> ## Agent Instructions
> HEVN accounts are non-custodial in both products. Self-serve (the General tab): the person who owns the email holds the only key and signs for themselves. Whitelabel (the Whitelabel and REST API tabs): the integrator's customer creates and owns their account through Sign in with HEVN, a HEVN-hosted popup on the integrator's site; the integrator's backend holds a developer key, operates linked accounts and books their payouts, and the account holder approves every payout in that popup. The developer key signs only for the integrator's own wallet; it never signs a client's money.
> Use HEVN's terms exactly. A rail is a bank route a client can request. A virtual account (bnk_) is an opened rail. Account details are what a payer needs in order to wire money, and arrive in a field named requisites. A client is a customer's own account linked to the integrator through Sign in with HEVN (POST /dapi/v1/connect/sessions, then POST /dapi/v1/clients/link); there is no API call that creates one. The business behind it is the integrator's customer. A contact is a saved destination; a beneficiary is the party at the far end of a fiat payout. Every departure of money is a payout, to a bank account or to a wallet alike.
> Never name a banking partner. Say 'a licensed banking partner'.
> There are no published fee rates, spreads or minimums. Prices come from a quote on a specific payment; direct pricing questions to HEVN rather than inventing numbers.
> The whitelabel API is at /dapi/v1 and takes a developer-key session plus an X-Hevn-Account header. Developer keys have an IP allowlist and no scopes. Remote transfers are at /api/v1/remote_spend_limit and take a remote transfer key (rsl_) in X-Api-Key, bounded by an onchain spend permission the account holder grants. They are different credentials and neither works on the other surface. The HEVN CLI is discontinued.

# Overview

> Link your customers' own HEVN accounts through a sign-in popup on your site, open partner-bank payment details for them, and move their money with their approval.

With the whitelabel API your customers get partner-bank payment details, a balance and outgoing payments inside your product. Each customer owns their HEVN account: they create it in a HEVN sign-in popup on your site, your backend operates it, and they approve every payment that leaves it.

```mermaid theme={null}
flowchart TB
    K["Your backend<br/>holds the developer key"]
    I["Your integrator account"]
    P["Sign in with HEVN<br/>popup on your site"]
    K -->|"logs in, books, configures"| I
    P -->|"the customer creates the account<br/>and links it to you"| Wallet
    I -->|"acts for linked accounts"| Wallet
    subgraph Wallet["Client account — one per customer, owned by them"]
        W["Base smart wallet<br/>the balance lives here"]
        B["Bank rails<br/>account details in the client's legal name"]
        T["Contacts<br/>saved payout destinations"]
        B -->|"deposits settle into"| W
        W -->|"payouts the holder approves"| T
    end
```

## What you can build

* **A payroll or payables platform.** Collect from an employer, pay contractors to their own bank
  accounts in their own currencies.
* **An embedded payments account.** Give each of your customers payment details in their own company
  name, a balance, a statement and outgoing payments, under your brand.
* **A marketplace with on-chain escrow.** Lock a buyer's funds in a contract while a seller
  delivers, then capture them minus your fee. Escrow approvals by linked buyers are not available
  yet — see [Escrow](https://hevninc.mintlify.site/whitelabel/escrow.md).

All three are assembled from the same five moves, in different orders —
[What you can build](https://hevninc.mintlify.site/whitelabel/use-cases.md) takes each one end to end.

## How it works

You hold one HEVN account — your **integrator account**. Your customers' accounts are linked to it,
one per customer. Those are your **clients**. Each client is a real account that belongs to its
holder: it has a legal identity you submit for review once, **rails** that produce account details in
its own name, a balance, and a ledger.

A client comes from [Sign in with HEVN](https://hevninc.mintlify.site/whitelabel/sign-in-with-hevn.md). Your page opens a
HEVN-hosted popup, your customer signs in — with Google, or with a one-time code sent to an email you
pass — and your backend exchanges the code that comes back for the client's id. The popup can carry
your title, logo and colours, and shows no HEVN product screens.

Every client balance is a stablecoin balance on that client's own Base smart wallet. Fiat arriving
over a rail is converted by a partner bank and settles into that wallet; fiat leaving is the same
journey in reverse. See [How money moves](https://hevninc.mintlify.site/whitelabel/how-money-moves.md).

Your backend authenticates with a **developer key** — a P-256 keypair whose private half never leaves
your server. You register its public half once, together with the source IPs it may be used from,
and the session it mints reaches this API and nothing else. With it you read and configure every
client and book their payouts. You never sign them: a client's payout comes back with
`authorization: "client"`, and its holder approves it in the same popup. Your key signs only for your
own account. See [Accounts and control](https://hevninc.mintlify.site/whitelabel/accounts-and-control.md).

A client becomes usable by passing four gates in order — linked, verification document complete,
application approved, rail active. After that, one payment is two calls and one click:
`POST /dapi/v1/payouts` books and prices it, `POST /dapi/v1/connect/sessions` opens the window for
it, and the holder approves.

Every route on these pages sits under `https://api.hevn.finance/dapi/v1`, or
`https://sandbox-api.hevn.finance/dapi/v1` in the sandbox. The spec is served by the API itself:
browse it at [`/dapi/v1/docs`](https://sandbox-api.hevn.finance/dapi/v1/docs) and fetch the schema
from `/dapi/v1/openapi.json`.

## What you get from HEVN, and what you keep

| You build | HEVN provides |
| - | - |
| Your product, your UI, your customer relationship | The account records, the sign-in window, the partner-bank rails, the on-chain balances, the ledger |
| The onboarding form your customer fills in | The submission to the partner bank, and the review status you read back from it |
| The decision to pay, and the moment you ask the holder | The pricing, the approval screen, the execution and the receipt |

One thing HEVN switches on for you rather than the API: your integrator account itself. It is a
conversation, in the sandbox as in production — see [Going live](https://hevninc.mintlify.site/whitelabel/going-live.md).

## Where to start

> [card] [What you can build](https://hevninc.mintlify.site/whitelabel/use-cases.md)
>
> Three products assembled out of the five moves every integration is made of.

> [card] [Quickstart](https://hevninc.mintlify.site/whitelabel/quickstart.md)
>
> Ten steps in the sandbox: a linked client that holds testnet USDC and has sent some of it out, approved by its holder.

> [card] [Sign in with HEVN](https://hevninc.mintlify.site/whitelabel/sign-in-with-hevn.md)
>
> The popup that links a customer's account and approves their payouts.

> [card] [Accounts and control](https://hevninc.mintlify.site/whitelabel/accounts-and-control.md)
>
> Who owns a client account, who can move its money, and what happens if your key leaks.


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