# AIICPay API

## Description
This is version `1.0.0` of this API documentation. Last update on Aug 26, 2025.
Payment processing and ledger management API with HSM-based cryptographic authentication.

## Authentication
This API uses a hybrid cryptographic authentication system:
1. **Key Generation**: Users generate cryptographic keys using HSM-derived seed public keys
2. **API Calls**: Users sign requests with their private keys and send public keys + signatures
3. **Verification**: Server verifies signatures using standard ed25519 cryptography

## Security Features
- HSM (Hardware Security Module) integration for seed key generation
- ed25519 cryptographic signatures for request authentication
- Rate limiting and brute force protection
- Comprehensive audit logging
- Cross-device key recovery capabilities


## Servers
- Production API: https://pay-api.aiic.nz/v1 (Production API)
- Staging API: https://pay-api-staging.aiic.nz/v1 (Staging API)
- Development API: https://pay-api-dev.aiic.nz/v1 (Development API)

## Authentication
The API accepts 2 different authentication methods:
- Api key auth (http_api_key)
- Bearer auth (http)




## Endpoints and operations

### [Authentication](https://pay-api.aiic.nz/group/endpoint-authentication.md)
- [Generate cryptographic key pair using HSM](https://pay-api.aiic.nz/operation/operation-createkey.md)
- [Test cryptographic authentication](https://pay-api.aiic.nz/operation/operation-testauth.md)
### [Accounts](https://pay-api.aiic.nz/group/endpoint-accounts.md)
- [List user accounts](https://pay-api.aiic.nz/operation/operation-listaccounts.md)
- [Get account balances](https://pay-api.aiic.nz/operation/operation-getaccountbalances.md)
### [Payments](https://pay-api.aiic.nz/group/endpoint-payments.md)
- [Direct credit to account](https://pay-api.aiic.nz/operation/operation-directcredit.md)
- [Send payment between accounts](https://pay-api.aiic.nz/operation/operation-sendpayment.md)
- [Refund a payment](https://pay-api.aiic.nz/operation/operation-refundpayment.md)
- [Check transaction status](https://pay-api.aiic.nz/operation/operation-checktransactionstate.md)
- [Query transaction history](https://pay-api.aiic.nz/operation/operation-querytransaction.md)
- [Create virtual or physical card](https://pay-api.aiic.nz/operation/operation-createcard.md)
- [Create payment voucher](https://pay-api.aiic.nz/operation/operation-createvoucher.md)



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