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

# Platform Overview

> How Niobi routes payments, manages wallet balances, and secures every request across regional rails.

* **Sandbox access, instantly.** Sign up and start building, no approval gate.
* **No UI? No problem.** Generate a [Payment Link](/collecting-payments/payment-links) and start collecting payments in minutes.
* **One integration, every market.** Same credentials, sandbox to production.

<div style={{ display: 'flex', justifyContent: 'center', gap: '1rem', margin: '1.75rem 0 2rem' }}>
  <a href="/initial-steps" className="home-cta-primary">
    <span>Get Started</span>

    <Icon icon="arrow-right" size={16} />
  </a>
</div>

***

## What You Can Build With Niobi

Niobi handles collections, payouts, and multi-currency wallets, along with the approvals, sub-merchant management, and reporting most growing businesses need around them, all through one API and one dashboard.

<div className="platform-feature-cards">
  <CardGroup cols={3}>
    <Card title="Collections, Every Method" icon="wallet">
      Accept mobile money, bank transfers, cards, and redirect-based payments (Wave, Capitec) through one API. Coverage varies by market, see [Supported Countries](/supported-countries) for active methods per country.
    </Card>

    <Card title="Payouts, Every Rail" icon="paper-plane">
      Disburse to bank accounts or mobile money wallets (M-Pesa, PesaLink), or move funds straight to another Niobi wallet, all through the same signed request format.
    </Card>

    <Card title="Hosted Checkout & Payment Links" icon="link">
      Generate a payment link with zero front-end code. Pre-fill it with your customer's name, email, and phone, and Niobi handles the entire [checkout experience](/collecting-payments/payment-links).
    </Card>

    <Card title="Multi-Currency Wallets & FX" icon="coins">
      Hold balances in multiple currencies and convert between them as you need. Check your main wallet or any sub-wallet's balance independently to keep funds segmented by team, product, or client.
    </Card>

    <Card title="Bulk & Scheduled Payments" icon="calendar-clock">
      Upload a batch of payouts in one go, or schedule them to go out on a future date, instead of firing requests one at a time.
    </Card>

    <Card title="Webhooks & Callbacks" icon="bell">
      Get notified the moment a collection or payout settles. Niobi posts a signed callback to your server so you don't have to poll for a final status.
    </Card>

    <Card title="Approval Workflows" icon="user-check">
      Set an approval rule on high-value bills or bulk payment batches, so a second team member reviews and signs off before they go out.
    </Card>

    <Card title="Sub-Merchant Management" icon="building">
      Onboard and manage merchants under your own parent account, without issuing separate credentials for each one.
    </Card>

    <Card title="Team Roles & Permissions" icon="users">
      Control who on your team can initiate, approve, or just view transactions, with role-based access across the dashboard.
    </Card>

    <Card title="Invoicing & Customer Management" icon="file-invoice">
      Create and send invoices, manage a catalog of products, and track customers, useful if you're collecting recurring or itemized payments rather than one-off transactions.
    </Card>

    <Card title="Compliance & Security" icon="shield-check">
      KYB onboarding, IP whitelisting, and scoped API key management keep your integration locked down as you move from sandbox to production.
    </Card>

    <Card title="Accounting Sync & Reporting" icon="chart-line">
      Sync transactions to QuickBooks, and export CSV or PDF reports of balances and transaction history for reconciliation.
    </Card>
  </CardGroup>
</div>

***

## Next Steps

<div className="next-steps-flow">
  <a href="/initial-steps" className="next-step-card">
    <div className="next-step-badge">Developer Track</div>
    <h3>Quickstart Guide</h3>
    <p>Get sandbox credentials and make your first signed API call.</p>
  </a>

  <div className="next-step-arrow">
    <Icon icon="arrow-right" size={20} />
  </div>

  <a href="/supported-countries" className="next-step-card">
    <div className="next-step-badge">Corridors</div>
    <h3>Supported Countries</h3>
    <p>Payment methods, limits, and payloads for every supported country.</p>
  </a>
</div>