> For the complete documentation index, see [llms.txt](https://docs.settle.africa/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.settle.africa/welcome.md).

# Welcome

## Coverage

The API documentation applies and covers all African countries.

{% hint style="info" %}
The API does not applies to Personal Accounts.
{% endhint %}

## Authentication

The API authenticates in a very simple straightforward manner:

{% content-ref url="/pages/JEfK9PZWrMisOzfOAkH7" %}
[Authentication](/authentication.md)
{% endcontent-ref %}

## Transfers (In & Out)

{% hint style="info" %}
**Note :** Settle does not have any wallets/holding of funds capability. Funds are debited from payment instrument and credited to the receiving end instantly.
{% endhint %}

{% content-ref url="/pages/rkmzAu4xeBDyLCPSkv27" %}
[Transfers](/transfers/sending.md)
{% endcontent-ref %}

## Data & Details

Before processing transactions, certain data needs to be queried and appended to the requests.

* Banks & Mobile Money Providers
* ID verification (National ID, Driver's License)
* Countries and Regions
* Rates

{% content-ref url="/pages/qaz4LtrTOGoUbkIHemJN" %}
[Data & Details](/data-and-details/banks-and-mobile-money.md)
{% endcontent-ref %}