> ## Documentation Index
> Fetch the complete documentation index at: https://docs.gethevn.com/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.

# What you can build

> The five moves every integration is made of, and three products assembled out of them: a marketplace with escrow, a payables platform, and an embedded account.

Every whitelabel integration is built from the same five moves. What makes a marketplace different
from a payroll product is which moves it uses, in what order, and who its clients are — not a
different API.

```mermaid theme={null}
flowchart LR
    M1["1 · Link a client<br/>Sign in with HEVN → POST /dapi/v1/clients/link"]
    M2["2 · Verify it<br/>PUT /dapi/v1/client/kyb"]
    M3["3 · Take money in<br/>POST /dapi/v1/banks → /payins"]
    M4["4 · Pay money out<br/>POST /dapi/v1/payouts → the holder approves"]
    M5["5 · Read the ledger<br/>GET /dapi/v1/transactions"]
    M1 --> M2 --> M3 --> M4 --> M5
    M2 -.->|"crypto in needs no rail"| M4
```

| Move | Calls | Page |
| - | - | - |
| Link a client | `POST /dapi/v1/connect/sessions` with `action: "link"`, the sign-in window, then `POST /dapi/v1/clients/link` | [Sign in with HEVN](https://docs.gethevn.com/whitelabel/sign-in-with-hevn.md), [Clients](https://docs.gethevn.com/whitelabel/clients.md) |
| Verify it | `PUT /dapi/v1/client/kyb` until `ready: true`, then `POST /dapi/v1/client/kyb/complete` | [Onboard a client](https://docs.gethevn.com/whitelabel/onboarding.md) |
| Take money in | `POST /dapi/v1/banks` opens a virtual account; `POST /dapi/v1/payins` prices an arrival | [Virtual accounts](https://docs.gethevn.com/whitelabel/virtual-accounts.md), [Payins](https://docs.gethevn.com/whitelabel/payins.md) |
| Pay money out | `POST /dapi/v1/contacts`, then `POST /dapi/v1/payouts` and a `sign` session the holder approves | [Payouts](https://docs.gethevn.com/whitelabel/payouts.md) |
| Read the ledger | `GET /dapi/v1/transactions`, `/summary`, `/export` | [Balances and transactions](https://docs.gethevn.com/whitelabel/balances-and-transactions.md) |

Moves 1 and 4 are the only ones your customer takes part in, and both happen in the same HEVN popup on
your site: they sign in and allow access once, and they approve each payout you book. Everything else
is your backend alone. The window is described once, in
[Sign in with HEVN](https://docs.gethevn.com/whitelabel/sign-in-with-hevn.md), and never varies by product.

## A marketplace with escrow

Your customer is a buyer paying a seller through your platform, and the money must not reach the
seller until the goods do. Both parties are clients linked to you; you are the operator of the deal
between them.

> [!WARNING]
>
> The buyer approves a deal with their own key, and the sign-in window does not offer escrow approvals
> yet: `POST /dapi/v1/escrow` with a linked buyer answers `403 account_not_controlled`. Talk to HEVN
> before you build this one.

```mermaid theme={null}
flowchart LR
    B["Buyer<br/>client A"] -->|"authorize — funds leave the buyer's wallet"| E["Escrow contract<br/>on Base"]
    E -->|"capture, minus your feeBps"| S["Seller<br/>client B"]
    E -.->|"void, or the buyer's reclaim"| B
    S -.->|"refund leaves your own wallet"| B
```

**1. Link both sides as clients**

A deal binds two accounts linked to you through Sign in with HEVN. A buyer or seller you merely
referred to HEVN does not qualify — `POST /dapi/v1/escrow` answers `422 receiver_not_a_client`.

**2. Fund the buyer**

Whatever gets a stablecoin balance onto the buyer's wallet: a virtual account in the buyer's own
name, or an on-chain transfer straight to `baseSmartWallet`. Crypto in needs no rail and no
verification beyond a `ready` client.

**3. Open the deal and authorize it**

`POST /dapi/v1/escrow` names `senderClientId`, `receiverClientId` and the three windows —
`approveBy`, `holdUntil`, `refundableUntil` — and the buyer approves it. Authorizing moves the money out of the buyer's
wallet into the contract, where neither party, neither HEVN nor you can spend it outside the
contract's rules.

**4. Capture when the seller delivers**

`POST /dapi/v1/escrow/{escrowId}/actions` with `action: "capture"` and a `feeBps` — **that is
your take rate**, deducted from the captured amount before the seller is paid. Capture is
repeatable, so a partial delivery is a partial capture.

**5. Handle the unhappy paths**

`void` returns the hold to the buyer; the buyer can `reclaim` it themselves after `holdUntil` has passed;
`refund` sends money back after a capture — **and a refund leaves your own wallet**, not the
seller's, so keep a working balance in the deal's token.

Read `availableActions` on the deal rather than branching on `status`. The server computes it from
the amounts, the windows and what already landed on chain, so it is the only answer that accounts for
all three. Full matrix: [Escrow actions](https://docs.gethevn.com/whitelabel/escrow-actions.md).

Escrow is switched on per integrator. Ask for it before you build against it —
[Going live](https://docs.gethevn.com/whitelabel/going-live.md#what-hevn-must-enable).

## A payables or payroll platform

Your customer is an employer. It holds one client account, collects into it, and pays many people in
many countries out of it. Nothing here needs escrow, and the contractors are never clients.

**1. One client per employer**

The employer links it through Sign in with HEVN; you verify it and open the virtual account for
the currency the employer funds in. From then on that one `cl_…` is the whole relationship.

**2. Save each contractor as a contact**

`POST /dapi/v1/contacts` carries the beneficiary's account details in the same shape
`GET /dapi/v1/banks` returns them, plus a complete postal address. A contact is deduplicated by
its own details, so a retried create never forks one. Which identifiers a method needs is in
[Rails and payment methods](https://docs.gethevn.com/whitelabel/reference/rails.md#what-each-method-needs).

**3. Price the run before you commit to it**

`GET /dapi/v1/contacts/{contactId}/capabilities?amount=…` reports every payable option for that
contact with its `minAmount`, `maxAmount`, `feeBps` and `fixedFee`, and anything that would
refuse the payout in `blockers[]`. Read it per contact and show your customer a total.

**4. Pay, one payout at a time**

`POST /dapi/v1/payouts` with an `Idempotency-Key` derived from your own payroll-run id and the
contractor id — `run-2026-09:contractor-441` — then a `sign` session the employer's holder
approves in the window. That key is what makes the whole run safe to re-drive after a crash: a
repeat is the same payment, never a second one.

**5. Reconcile from the client's ledger**

`GET /dapi/v1/transactions` on the employer client is the record your customer's finance team
reads, and `GET /dapi/v1/transactions/export` renders it as a statement.

Pin the side that matters. Send `amount` when the employer's budget is fixed, `amountTo` when the
contractor's net is fixed — never both, and never re-derive the other side yourself. See
[Conventions](https://docs.gethevn.com/whitelabel/conventions.md#money).

## An embedded payments account

Your customer gets what looks like a bank account inside your product: payment details in their own
company name, a balance, a statement and outgoing payments. HEVN is invisible.

**1. A client per customer, verified once**

Your customer links their account in the sign-in window. The legal name in its verification
document becomes the name on the account details, so send the registered name with its suffix —
`Northwind Trading Ltd`, not `Northwind`.

**2. A named rail, not a pooled one**

On a `named` rail the partner bank opens the account in the client's own legal name, so the
payer's bank shows your customer and nothing about HEVN. On a `pooled` rail the account belongs
to the partner and a `paymentReference` is what attributes the money — fine when your product
generates the payment instruction, wrong when a human types it.

**3. Surface the balance from chain, not from your database**

`GET /dapi/v1/client/balance` reads the client's Base smart wallet directly, one row per
account. There is no HEVN ledger that holds an authoritative copy, and there should be
no copy of yours either.

**4. Let them pay out**

Contacts plus payouts, exactly as above, each approved by your customer in the window. A wallet
contact on Base is paid straight from the balance with nothing converted; a bank contact goes
through a partner and is quoted.

Re-read the account details before each use rather than caching them — a partner can republish an
account, and a stale IBAN is an unattributable wire.

## What none of these do

They do not let you spend your customer's money. A client account belongs to its holder, and every
payment out of it is approved by the holder's own key in the sign-in window — your developer key only
books it. If what you want is to move money with no approval from anyone but your server, that is
your own integrator account, signed by your key — see [Signing](https://docs.gethevn.com/whitelabel/signing.md).

> [card] [Next: Quickstart](https://docs.gethevn.com/whitelabel/quickstart.md)
>
> Ten steps in the sandbox, from an empty account to money that moved on chain.


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