# 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="authentication" %}
[authentication](https://docs.settle.africa/authentication)
{% 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="transfers" %}
[transfers](https://docs.settle.africa/transfers)
{% 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="data-and-details" %}
[data-and-details](https://docs.settle.africa/data-and-details)
{% endcontent-ref %}