For AI agents: visit https://kira-financial-ai.readme.io/llms.txt for an index of all pages formatted in Markdown and endpoints in OpenAPI.
Use Case Product Comparison
| Wallets | Payment Link | Virtual Account | cashPay | Payout API |
|---|
| Goal | Hold Funds | Receive Funds in USD | Receive Funds in USD | Receive Funds in USD | Convert & Transfer Funds in Fiat |
| Operation Types | Custody | Pay-in | Pay-in | Pay-in | Pay-out |
| Description | Generate a wallet address on Solana, Polygon, or Tron to hold digital dollars (USDC/T). | Create a payment link to allow recipients to request a USD payment. | Open a US virtual account to receive Wire & ACH transfers from any US bank. | Generate barcodes that enable cash payments at more than 50,000 retail locations across the United States. | Transfer funds to local bank accounts in fiat currency. |
| Wallets | Payment Link | Virtual Account | cashPay | Payout API |
|---|
| Common Use Cases | Treasury management, Payroll & Remittances | Remittances, Wallet/Bank account Top-Up & Product/Services purchases | Payroll, Remittances & Suppliers payments | Payroll, Remittances, Wallet/Bank account Top-Up & Prepaid card funding | Wallet/Bank account withdrawals & Remittances |
| Who can use it? | Individuals & Business | Individuals & Business | Individuals & Business | Individuals | Individuals & Business |
| Ideal for | Freelancers, contractors, Small and Medium-sized Business | Individuals, Small and Medium-sized Business | Freelancers, contractors, Small and Medium-sized Business | Unbanked individuals in the United States | Individuals and Small and Medium-sized Business in LATAM |
| Wallets | Payment Link | Virtual Account | cashPay | Payout API |
|---|
| Integration Effort | Medium | Low | Medium | Medium | Medium |
| UI Customization | Fully Customizable | Limited Customization | Fully Customizable | Limited Customization | Fully Customizable |
| Embebed in Website | ✅ | ✅ | ✅ | ✅ | ✅ |
| Supported Payment Methods | Cash, Debit Card, ACH & Wire | Cash & Debit Card | ACH & Wire | Cash | Not Applicable |
| Supported Countries | Global | United States | United States | United States | EEUU, Mexico, Colombia, Brazil, Chile, Costa Rica, El Salvador, Guatemala, Argentina, Paraguay, Dominican Republic, Uruguay, Ecuador, Peru & Bolivia |
| Wallets | Payment Link | Virtual Account | cashPay | Payout API |
|---|
| User KYC/B | Not Required | Required for users making payments via link | Required for account holders | Required for users completing cash payments | Not Required |
| Evidence supporting transactions | Not Required | Not Required | Might be Required | Not Required | Might be Required |
