# OpenFi

> Hybrid Open Finance infrastructure: bi-directional Open Banking + Web3 rails for humans and AI agents.

- [Introduction](https://open-fi.mintlify.app/introduction.md): OpenFi is a hybrid Open Finance infrastructure connecting Open Banking and Web3 into a single programmable rail for humans and AI agents.
- [Quickstart](https://open-fi.mintlify.app/quickstart.md): Make your first OpenFi API call in the testnet environment.
- [Authentication](https://open-fi.mintlify.app/authentication.md): How to authenticate requests to the OpenFi API.
- [Use Cases](https://open-fi.mintlify.app/use-cases.md): Three canonical flows showing how OpenFi's pillars combine in practice.
- [Payments vs. Mandates](https://open-fi.mintlify.app/essentials/payments-vs-mandates.md): When to use a one-time payment vs. the mandate / session-key / debit-pull flow.
- [The Allowance State Machine](https://open-fi.mintlify.app/essentials/allowance-state-machine.md): Why OpenFi doesn't use static token approvals.
- [Atomic Clearing & Escrows](https://open-fi.mintlify.app/essentials/atomic-clearing.md): How fiat clearing and on-chain settlement happen as a single event.
- [Identity & Verifiable Credentials](https://open-fi.mintlify.app/essentials/identity-and-vcs.md): How OpenFi proves a human or agent is real without exposing personal data.
- [Supported Rails](https://open-fi.mintlify.app/essentials/supported-rails.md): Fiat rail coverage and known constraints by currency.
- [API Reference Overview](https://open-fi.mintlify.app/api-reference/introduction.md): Base URL, environments, and conventions used across the OpenFi API.
- [Create a payment](https://open-fi.mintlify.app/api-reference/payments/create-payment.md): Execute a single one-time push or pull payment, with atomic settlement into the destination stablecoin or account.
- [Retrieve a payment](https://open-fi.mintlify.app/api-reference/payments/get-payment.md): Fetch the current status of a one-time payment.
- [Create a mandate](https://open-fi.mintlify.app/api-reference/agentic/create-mandate.md): Establish the standing authorization behind a recurring, agent-initiated debit relationship.
- [Create a session key](https://open-fi.mintlify.app/api-reference/agentic/create-session-key.md): Issue a time-bound, velocity-bound allowance scoped to a mandate: the credential an autonomous agent actually holds.
- [Create a debit pull](https://open-fi.mintlify.app/api-reference/agentic/create-debit-pull.md): Execute a single pull against an active session key.
- [Data Oracle (V2 Roadmap)](https://open-fi.mintlify.app/api-reference/oracles/overview.md): Bi-directional financial data oracle: not yet live in the API.
- [Identity overview](https://open-fi.mintlify.app/api-reference/identity/overview.md): Issuing and verifying Verifiable Credentials for Sybil resistance and agent attestation.
- [Data Oracle (V2 Roadmap)](https://open-fi.mintlify.app/api-reference/oracles/overview.md): Bi-directional financial data oracle: not yet live in the API.