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

# Introduction

> Welcome to Orafi — the seamless crypto payments API for modern businesses.

## What is Orafi?

Orafi is a crypto payments infrastructure that enables businesses to accept cryptocurrency payments with zero blockchain complexity. Our API handles wallets, on-chain transactions, settlements, and webhooks — so you can focus on building your product.

<CardGroup cols={2}>
  <Card title="Quickstart" icon="rocket" href="/essentials/quickstart">
    Create your first payment in under 5 minutes.
  </Card>

  <Card title="API Reference" icon="code" href="/api-reference/introduction">
    Explore every endpoint with examples and response schemas.
  </Card>

  <Card title="Authentication" icon="key" href="/essentials/authentication">
    Learn how API keys and environments work.
  </Card>

  <Card title="Webhooks" icon="bell" href="/api-reference/endpoint/webhooks">
    Get real-time notifications for payment events.
  </Card>
</CardGroup>

***

## How it works

Orafi sits between your application and the blockchain. When a customer initiates a payment:

<Steps>
  <Step title="Create a payment">
    Your server calls the Orafi API to create a payment with the amount, customer details, and a transaction reference.
  </Step>

  <Step title="Customer pays">
    Orafi generates a unique deposit address and a hosted checkout URL. The customer can transfer crypto directly or sign a transaction with their wallet.
  </Step>

  <Step title="Payment confirmed">
    Orafi verifies the on-chain transaction, settles funds to your account (minus a 1% platform fee), and sends a webhook to your server.
  </Step>

  <Step title="Funds available">
    Withdraw settled funds at any time via crypto or fiat payout endpoints.
  </Step>
</Steps>

***

## Key capabilities

| Capability            | Description                                                                 |
| --------------------- | --------------------------------------------------------------------------- |
| **Hosted Checkout**   | Pre-built payment page — no front-end work required.                        |
| **Paylinks**          | Shareable payment links for invoices, social commerce, and one-off charges. |
| **Webhooks**          | Real-time `payment.success` and `payment.failed` events.                    |
| **Payouts**           | Withdraw to any crypto wallet or bank account.                              |
| **Refunds**           | Return funds to customers with a single API call.                           |
| **Test & Live Modes** | Full testnet environment that mirrors production.                           |
| **On-chain Fees**     | Transparent 1% fee enforced at the smart-contract level.                    |

***

## Who is it for?

* **Merchants** who want to accept crypto without managing wallets or nodes.
* **Developers** who need a clean, RESTful payments API.
* **Platforms** that require programmatic payouts and settlement routing.