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

# Axis: Payment Infrastructure for Autonomous AI Agents

> Axis gives your AI agents a scoped wallet with real spend authority — per-transaction limits, period caps, merchant allowlists, and a full audit trail.

Axis is payment infrastructure built specifically for autonomous AI agents. Instead of giving an agent unrestricted access to a payment method, you provision a **scoped wallet** — a spending account with hard limits, an optional merchant allowlist, and a complete audit trail. This documentation covers everything a frontend developer needs to connect a client application to the Axis backend: authentication, wallet management, funding via virtual accounts, and triggering payment intents from an agent.

<CardGroup cols={2}>
  <Card title="Quickstart" icon="bolt" href="/quickstart">
    Create an account, provision a wallet, fund it, and fire your first payment in under 10 minutes.
  </Card>

  <Card title="Auth Overview" icon="lock" href="/guides/auth-overview">
    Understand the two authentication modes — developer JWTs for the dashboard and API keys for agents.
  </Card>

  <Card title="Wallets" icon="wallet" href="/guides/wallets">
    Deep-dive into spend limits, period windows, merchant allowlists, and wallet lifecycle management.
  </Card>

  <Card title="Create a Wallet (API)" icon="code" href="/api-reference/wallets/create-wallet">
    Full API reference for `POST /api/wallets`, including every request field and response shape.
  </Card>
</CardGroup>

## Core concept

The central primitive in Axis is the **Wallet**. Here is the end-to-end flow:

1. **You provision a wallet.** As a developer or business owner, you call `POST /api/wallets` with the spending rules you want to enforce — a per-transaction cap, a rolling period limit, an expiry date, and an optional list of approved merchants.
2. **You fund the wallet.** Every wallet is backed by a dedicated virtual bank account. Transfer NGN to that account number and Axis automatically credits the wallet balance.
3. **You issue an API key to your agent.** The wallet creation response includes a `fullKey` — a plain-text secret your agent uses to authenticate payment requests. Store it in your agent's environment; it is shown only once.
4. **Your agent spends.** The agent calls `POST /api/payment-intent` with the `x-api-key` header set to `fullKey`. Axis validates every request against the wallet's rules before executing the transfer.

```
Developer                        Axis                          Agent
   |                               |                              |
   |-- POST /api/wallets --------> |                              |
   |<- { apiKey.fullKey,           |                              |
   |     virtualAccount.number } --|                              |
   |                               |                              |
   |-- Fund virtual account -----> |                              |
   |                               |-- credits wallet balance     |
   |                               |                              |
   |-- share fullKey ------------> | <-- x-api-key: fullKey ------|
   |                               |-- POST /api/payment-intent --|
   |                               |-- validates limits & list    |
   |                               |-- executes transfer -------> |
```

## Data model

These are the eight core entities you will encounter throughout the API and this documentation.

| Entity             | Description                                                                                                                                                   |
| ------------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Wallet**         | A scoped spending account bound to a user, with configurable per-transaction and period spend limits, an optional expiry, and an optional merchant allowlist. |
| **ApiKey**         | A hashed credential tied to exactly one wallet. The plain-text `fullKey` is returned once at creation time and is used by the agent as a bearer token.        |
| **VirtualAccount** | A dedicated NGN bank account number automatically generated for each wallet. Inbound transfers to this account credit the wallet balance.                     |
| **Merchant**       | A named payee that can be added to a wallet's allowlist. When `useAllowlist` is `true`, the agent may only pay approved merchants.                            |
| **Transaction**    | A record of every payment intent execution, including amount, merchant, recipient account details, status, and timestamps.                                    |
| **AuditEvent**     | An append-only log entry capturing every significant action — wallet creation, limit changes, key rotation, payment attempts — for compliance and debugging.  |
| **Settlement**     | A batched or real-time settlement record that tracks the movement of funds from Axis to downstream bank rails.                                                |
| **LedgerEntry**    | A double-entry bookkeeping line item recording every credit (funding) and debit (payment) against a wallet's balance.                                         |

<Note>
  All monetary amounts in the Axis API are expressed in the **smallest currency unit**. For Nigerian Naira (NGN) that is **kobo** — so ₦1,500.00 is represented as `150000`. Always convert before sending a request and after receiving a response.
</Note>