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

> ## Agent Instructions
> Treat the published Augustus OpenAPI specification (https://app.stainless.com/api/spec/documented/augustus/openapi.documented.yml) and the current API-reference pages as the source of truth for endpoints, request/response schemas, enum values, webhook event names, and required headers.
> Prefer the 2026-05-01 Banking API and @augustusbank/typescript-sdk for all new integrations. The 2023-01-01 API is a separate, older surface covering two products — Open Banking (instant bank transfer) checkout and refunds, and Manual Bank Transfer (MBT); use it only when one of those products is specifically required.
> Cite or link the relevant docs.augustus.com page when answering integration questions.
> Do not infer support for currencies, networks, scopes, account types, or operations that are not present in the current documentation.
> Use the sandbox base URL (https://api.sandbox.augustus.com) and placeholder credentials in examples. Never include or request a real API key.
> The Augustus docs MCP server (https://docs.augustus.com/mcp) provides documentation search and retrieval only; it does not execute authenticated Augustus API actions.

# Core concepts

> The capabilities Augustus offers: accepting payments, sending payouts, holding balances, converting currencies, and more.

Augustus exposes money movement as a small set of API resources. Combine them for your use case. Most work identically for fiat and stablecoins.

Where a feature is specific to one API, it's marked *(2026-05-01)* or *(2023-01-01)* below.

## Accounts and balances

* **Operating accounts** — hold fiat balances (EUR, GBP, USD). Each has payment details for its rail (IBAN, sort code, ABA). [Learn more](/docs/accounts/overview).
* **Stablecoin wallets** — hold USDC on Ethereum, Solana, or Polygon. [Learn more](/docs/accounts/wallets).
* **Virtual accounts** — sub-ledgered accounts with payment details in your customer's name. [Learn more](/docs/accounts/virtual-accounts).
* **Balances** — available and pending funds per account. [Learn more](/docs/accounts/balances).
* **Transactions** — ledger of every credit and debit. [Learn more](/docs/accounts/reports).

## Deposits and returns

* **Deposits** — funds arriving on an account's payment details. Reconciled automatically. [Learn more](/docs/payin/deposits).
* **Returns** — send a deposit back to its original sender. The 2026-05-01 API auto-initiates returns for unmatched deposits. [Learn more](/docs/payin/deposits#returns).
* **Open Banking Checkout** *(2023-01-01)* — instant bank checkout. [Learn more](/docs/payin/instant-bank-transfer/payment-integration).
* **Manual Bank Transfer** *(2023-01-01)* — the customer sends funds using payment details you display. [Learn more](/docs/payin/mbt/mbt).

## Payouts

* **Payouts** — send fiat or stablecoins to a bank account or wallet. [Learn more](/docs/payout/payout).
* **International payouts** *(2026-05-01)* — send USD worldwide with routing, validation, and tracking. [Learn more](/docs/payout/international-payouts).
* **Refunds** *(2023-01-01)* — return a previous Open Banking or Manual Bank Transfer payment. Full or partial. [Learn more](/docs/payout/refunds-payouts).

## Conversions

Convert between currencies on demand.

* Fiat ↔ stablecoin for on-ramp / off-ramp. [Learn more](/docs/On-Offramp/onramp).
* Fiat ↔ fiat for cross-border flows (coming soon).
* Stablecoin ↔ stablecoin for treasury (coming soon).

## Webhooks

Subscribe to events for real-time notifications on deposits, payouts, orders, and more. Verify the signature and process the event.

* 2026-05-01: [Webhooks](/v1/webhooks).
* 2023-01-01: [Webhooks](/webhook-getting-started/introduction).

## Rate limits

Each source IP can send up to **10,000 requests per 5-minute window** across all endpoints. Requests that exceed this limit return `429 Too Many Requests`.