Introduction

Kira supports two distinct payment link experiences to match different use cases:

Remittances (Default)

For cross-border transfers where the payer sends money to a different recipient. This is the standard experience that includes full transfer details, recipient information, and exchange rates.

Top-up

A streamlined experience where users add funds directly to their own wallet. This flow removes unnecessary transfer language and recipient details since the payer and recipient are the same person. Both experiences can be embedded into your application.

Key Differences

Feature	Remittances	Top-up
Recipient display	Shows recipient name and details	Hidden (payer = recipient)
Transfer language	"Send to [recipient]"	"Add funds to wallet"
Exchange rate	Displayed when converting currencies	Hidden (USD → USD/USDT/USDC)
Use case	Cross-border transfers	Wallet funding

Controlling the Experience

The experience is controlled via the payment link creation API, simply include the "link-type" parameter in the API body:

Remittances (default):

json
{
  // No link-type parameter needed
}

Top-up:

json
{
  "link-type": "top-up"
}

Simply include "link-type": "top-up" in your API payload to activate the simplified top-up experience. Omit this parameter for the standard remittance flow.