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

# Finance API

> Embedded financial infrastructure — parties, accounts, wallets, IBANs, and transfers.

The Finance API lets you onboard parties, open accounts, assign IBANs, generate blockchain wallets, and execute fiat and crypto transfers through a single RESTful API.

## Base URLs

| Environment | URL                                       |
| ----------- | ----------------------------------------- |
| Production  | `https://api.venlyfinance.com/v1`         |
| Staging     | `https://api-staging.venlyfinance.com/v1` |

***

## Authentication

All endpoints require a Bearer token in the `Authorization` header. Obtain one using OAuth2 client credentials:

```bash theme={null}
curl -X POST https://login.venly.io/auth/realms/VenlyFinance/protocol/openid-connect/token \
  -H "Content-Type: application/x-www-form-urlencoded" \
  -d "grant_type=client_credentials" \
  -d "client_id=YOUR_CLIENT_ID" \
  -d "client_secret=YOUR_CLIENT_SECRET"
```

Then pass the token on every request:

```bash theme={null}
curl -X POST https://api.venlyfinance.com/v1/parties \
  -H "Authorization: Bearer YOUR_ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "partyType": "INDIVIDUAL",
    "firstName": "Jane",
    "lastName": "Doe"
  }'
```

Tokens expire after **5 minutes**. See the [Authentication Guide](/getting-started/authentication) for token refresh patterns.

***

## Idempotency, pagination, versioning

Both APIs follow shared conventions for idempotent retries, list pagination, and version stability. See the [API Conventions](/getting-started/conventions) page for the full rules.

***

## Data model

Every Finance API resource hangs off a **party**. Parties hold accounts; accounts hold wallets and virtual bank accounts; wallets and IBANs are the entry points for crypto and fiat respectively.

```mermaid theme={null}
flowchart TD
    Company[Your Company] --> PartyA[Party A · individual/organisation]
    Company --> PartyB[Party B · individual/organisation]
    PartyA --> AccountA[Account A]
    PartyB --> AccountB[Account B]
    AccountA --> VBA_A[Virtual Bank Account · IBAN]
    AccountA --> WalletA[Account wallet · per chain]
    AccountB --> VBA_B[Virtual Bank Account · IBAN]
    AccountB --> WalletB[Account wallet · per chain]
    VBA_A -. SEPA credits .-> AccountA
    WalletA -. Crypto transfers .-> AccountA
    VBA_B -. SEPA credits .-> AccountB
    WalletB -. Crypto transfers .-> AccountB
```

New here? Start with [Getting started](/guides/finance/getting-started) for the party → account → verification → IBAN flow, read the [data model](/guides/finance/data-model) in depth, or follow the full [Integration Walkthrough](/guides/finance/integration-walkthrough).

***

## Resources

<CardGroup cols={2}>
  <Card title="Parties" icon="users" href="/api-reference/Finance-API/parties/list-all-parties">
    Onboard individuals and organisations. The foundation of every account.
  </Card>

  <Card title="Accounts" icon="folder-open" href="/api-reference/Finance-API/accounts/list-all-accounts">
    Create and manage financial accounts with role-based party access.
  </Card>

  <Card title="Virtual Bank Accounts" icon="building" href="/api-reference/Finance-API/virtual-bank-accounts/list-virtual-bank-accounts">
    Assign IBANs for EUR SEPA pay-ins linked to accounts.
  </Card>

  <Card title="Wallets" icon="wallet" href="/api-reference/Finance-API/wallets/list-wallets-for-an-account">
    Generate blockchain wallets (Base, Avalanche, Polygon) for crypto settlement.
  </Card>

  <Card title="Transfers" icon="arrows-left-right" href="/api-reference/Finance-API/transfers/create-fiat-transfer">
    Execute fiat and crypto transfers between accounts.
  </Card>

  <Card title="Fiat-to-Crypto Payment Sessions" icon="link" href="/api-reference/Finance-API/fiat-to-crypto-payment-sessions/create-a-fiat-to-crypto-payment-session">
    Generate pay-in sessions that convert fiat deposits to crypto.
  </Card>

  <Card title="Payment Requests" icon="file-invoice" href="/api-reference/Finance-API/payment-requests/create-payment-request-for-account">
    Create payment requests for account or card provider integrations.
  </Card>

  <Card title="Permits" icon="signature" href="/api-reference/Finance-API/permits/get-permit-messages">
    Manage EIP-712 permit signatures for token approvals.
  </Card>

  <Card title="Allowances" icon="shield-check" href="/api-reference/Finance-API/allowances/get-wallet-token-allowances">
    Query token allowances for wallets.
  </Card>
</CardGroup>

***

## Next Steps

<CardGroup cols={2}>
  <Card title="Getting Started" icon="rocket" href="/guides/finance/getting-started">
    Create a party, open an account, and get verified — with managed and self-custody examples.
  </Card>

  <Card title="Integration Walkthrough" icon="route" href="/guides/finance/integration-walkthrough">
    The full end-to-end flow, from onboarding to settling a transfer.
  </Card>

  <Card title="Account verification" icon="circle-check" href="/guides/finance/kyc-verification">
    Why accounts start unverified and how a Venly admin approves them.
  </Card>

  <Card title="Authentication" icon="key" href="/getting-started/authentication">
    Token exchange, refresh patterns, and environment URLs.
  </Card>
</CardGroup>

***

## Support

Visit [venlyfinance.com/contact](https://venlyfinance.com/contact) to reach our team.