# Zetus SPEI API

> Collect SPEI transfers on your own CLABEs. Mutual TLS plus an OAuth2 client_credentials bearer token bound to the certificate; money in integer centavos; every write is idempotent by `reference`; incoming transfers must be confirmed (`verification.verified`) before you apply them; webhooks follow Standard Webhooks. Outgoing payments: your system only requests them (`payments.request`); two people of your organisation approve them in the console; only `payment.completed` is final money out. Integrate now against the sandbox: API `https://sandbox.zenit.zetuspay.com.mx`, token endpoint `https://auth.sandbox.zenit.zetuspay.com.mx/oauth2/token`, docs `https://docs.sandbox.zenit.zetuspay.com.mx`; the network is simulated and `/sandbox/*` routes trigger deposits, approvals and outcomes. Production (not live yet): token endpoint `https://idp.zetuspay.com.mx/oauth2/token`, API `https://api.zenit.zetuspay.com.mx` (to be confirmed).

## Tutorials

- [Quickstart](tutorials/quickstart.md): from sandbox credentials to the first call

## How-to guides

- [Generate a certificate and CSR](how-to/certificate-csr.md): key, CSR, rotation, revocation
- [Get a token](how-to/get-a-token.md): client_credentials over mTLS, scopes, caching
- [Idempotency and retries](how-to/idempotency-and-retries.md): `reference`, timeouts, backoff
- [Pagination](how-to/pagination.md): cursors and the event log
- [Verify webhooks](how-to/verify-webhooks.md): signature, dedupe, rotation
- [Errors](how-to/errors.md): envelope, statuses, catalogue
- [Send payments](how-to/send-payments.md): beneficiaries, requests, approvals, limits, events
- [Use the sandbox](how-to/use-the-sandbox.md): URLs, deposits, simulated approvals, outcomes by amount, what changes at go-live
- [Go live](how-to/go-live.md): production checklist

## Explanation

- [Incoming transfer lifecycle](explanation/incoming-transfer-lifecycle.md): why received is not verified
- [Operation date and 18:00 cut](explanation/operation-date-and-cutoff.md): business days
- [Payment lifecycle](explanation/payment-lifecycle.md): why settled is not completed

## Reference

- [Reference index](reference/README.md): OpenAPI contract and error catalogue
- [Error codes](codes.json): machine-readable catalogue
- [Full documentation in one file](llms-full.txt): all pages plus API reference