> ## Documentation Index
> Fetch the complete documentation index at: https://docs.antonpayments.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Anton Payments

> AI-native cross-border payout infrastructure. Fiat, stablecoin, and crypto, routed across a global network of rails.

Anton Payments moves money. Fiat to fiat across borders, stablecoin to fiat, stablecoin to stablecoin, and stablecoin to other cryptocurrencies. Merchants fund payouts with the currency they already hold; Anton picks the rail, clears sanctions, scores risk, and settles.

Most payout platforms bolt AI on top of static rule engines. **Anton is built the other way around** — risk scoring, smart routing, velocity control, and anomaly detection are the platform, not an add-on.

## What you can build

<CardGroup cols={2}>
  <Card title="Global payroll" icon="users">
    Pay contractors in 100+ countries with a single API call. Anton handles identity verification, compliance screening, and rail selection.
  </Card>

  <Card title="Marketplace disbursements" icon="store">
    Settle seller balances in fiat or stablecoin. Batch thousands of payouts, track them via webhooks, and retry safely with idempotency guarantees.
  </Card>

  <Card title="Stablecoin treasury" icon="coins">
    Fund your balance with USDC or USDT and pay out in whichever currency your beneficiary needs — fiat off-ramp or on-chain settlement.
  </Card>

  <Card title="Cross-border B2B" icon="building">
    Move working capital across corridors with FX quote locking, settlement confirmation, and a full audit trail for every transaction.
  </Card>
</CardGroup>

## How it works

<Steps>
  <Step title="Onboard your business">
    Complete KYB verification through the merchant dashboard. Our underwriting team reviews your account before you can move live funds.
  </Step>

  <Step title="Create your first beneficiary">
    Add the people or businesses you want to pay. Beneficiary PII is tokenized on creation — raw identifiers never hit Anton's database.
  </Step>

  <Step title="Send a payout">
    Call `POST /v1/payouts` with an amount, currency, and beneficiary. Anton screens it, scores it, routes it to the right rail, and settles.
  </Step>

  <Step title="Listen for webhooks">
    Subscribe to `payout.*` events to know when a payout is processing, sent, completed, or needs review. Never poll.
  </Step>
</Steps>

## What makes Anton different

**Compliance-first, day one.** Every payout is screened against OFAC, EU, UK, and UN sanctions lists. PII and payment instruments are isolated in a PCI-DSS vault — Anton's core database never stores raw account numbers or identity documents. SOC 2, PCI DSS, and ISO 27001 programs are active.

**AI-native risk.** Every payout runs through the Anton Engine, a real-time scoring system that combines merchant-level velocity rules, cross-merchant trust signals, and anomaly detection. The verdict is reflected in the payout state machine: approved, held for review, or blocked.

**Multi-rail by design.** Anton integrates with a network of bank, card, and on-chain settlement providers. You pick the corridor and currency; Anton picks the rail.

## Start building

<CardGroup cols={3}>
  <Card title="Quickstart" icon="rocket" href="/quickstart">
    Your first payout in five minutes.
  </Card>

  <Card title="Authentication" icon="key" href="/authentication">
    API keys, environments, and secure usage.
  </Card>

  <Card title="API Reference" icon="code" href="/api-reference/introduction">
    Every endpoint, every field, every response.
  </Card>
</CardGroup>