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

# Overview

> HopNow white-label virtual accounts API

The Platform API lets Platform customers onboard their own end customers as accounts, manage beneficiaries and payment rails, and move money via deposits, transfers, and payments. All endpoints are authenticated with HMAC-signed API keys.

The production base URL is provided when your API access is issued; all paths in this reference are relative to it. Requests are rate limited and restricted to the IP addresses you register — exceeding the limit returns `429`. All timestamps are ISO 8601 in UTC; dates are `YYYY-MM-DD`.

For reads (GET), the request is the path and query parameters shown — there is no body. Writes (POST / PATCH) document a request-body schema. `disable` actions take the path id with an empty body.

<CardGroup cols={2}>
  <Card title="Onboarding (KYB)" icon="building-shield" href="/va/flows/kyb-onboarding">
    How end customers are verified, from account creation to approval.
  </Card>

  <Card title="Flow of funds" icon="money-bill-transfer" href="/va/flows/flow-of-funds">
    How money moves through virtual accounts, deposits, transfers, and payments.
  </Card>
</CardGroup>

<Note>
  Start with [Authentication](/va/authentication), then see [Errors](/va/errors), [Object IDs](/va/object-ids), and [Idempotency & Pagination](/va/idempotency-pagination) for conventions shared by every endpoint — or jump to the [Endpoint Summary](/va/endpoint-summary) for the full surface at a glance.
</Note>