Introduction
What Minka is, what problems it solves, and how to navigate the getting started guides and key concepts.
Minka provides an open, interoperable ledger platform used by technology teams to build and integrate payment systems. The platform powers real-time payment networks, enabling more than fifty financial institutions and hundreds of fintechs across the globe to monetize real-time payments.
Instead of treating money as files passed between separate reconciliation layers, batch settlement, and manual rules — Minka treats money as a cryptographically signed message published on the web to interoperable ledgers. That means that payment intents settle atomically in real time. One protocol, One API. No batch window. No file exchange.
Minka Ledger allows you to cut build time from months to days and monetize your payment operations at a fraction of the cost of operating traditional systems.
Solutions (Use Cases)
Minka packages the ledger into solutions designed for specific use cases. Every deployment includes cryptographic audit trails, configurable access policies, and built-in regulatory reporting capabilities.
Minka Hub turns the ledger into a payments hub for financial institutions. It connects your bank to ACH, real-time payment schemes, wire systems, card networks, stablecoins, and cross-border corridors through a single orchestration layer — handling inbound and outbound transfers, participant account management, and transaction reconciliation.
Minka Switch connects multiple banks or payment networks through a shared switching layer, enabling interoperability across schemes without point-to-point integrations. Instead of every bank building a direct connection to every other bank, the switch provides a common settlement and routing infrastructure that all participants share.
Quickstart
These guides walk you through the core payment flows in order.
Start by creating a wallet, then send and collect payments through it, and finally subscribe to real-time notifications.
Mock server — no credentials needed
Every code example in this section runs against a built-in mock server. Click Run on any example to fire the request and see a real response — no API token, no ledger connection, no setup required. The mock returns realistic canned responses so you can follow along and understand the API shape before connecting to a real environment.
When you're ready to move from exploration to integration, the Moving Money section shows you how to connect to a real ledger and run the same flows against live infrastructure.
Create a Wallet
Set up a wallet on the ledger — with automatic balance management, multi-currency support, and full visibility into every payment.
Send a Payment
Move money between two accounts with a single API call — the same instruction works regardless of the payment network, currency, or country.
Collect a Payment
Register a QR code, phone number, or email as a payment alias and start receiving payments from any connected network with zero per-rail integration.
Get Payment Notifications
Subscribe to ledger events and receive a webhook call the moment a payment settles — no polling, no batch files, no missed transactions.
Key concepts
The ledger is built on a small set of building blocks that work together. Understanding these concepts will help you design payment flows, configure business rules, and integrate external systems.
About Minka
Who Minka is, the track record powering real-time payment networks across Latin America, and why the distributed ledger architecture replaces incumbents like ACI and Vocalink.
About Ledgers
What a ledger is, why it replaces fragmented payment infrastructure, and how a shared coordination layer delivers real-time settlement, configurable business rules, and multi-party trust without a central authority.
About Wallets
How wallets represent anything that holds value — bank accounts, invoices, loans, escrow — and why they make the ledger a programmable payment switch with automatic balance management and built-in business rules.
About Intents
How payments move money between wallets using a two-phase commit protocol that guarantees atomic settlement across institutions — even when the payment crosses system boundaries.
About Anchors
How anchors map simple identifiers like phone numbers and QR codes to payment credentials, eliminating the complexity of key-based systems like Pix and Bre-B with a single API for every payment network.
Where to start
Technical team ready to integrate? Follow the quickstart guides in order — Create a Wallet, then Send a Payment, then Collect a Payment — each one builds on the previous. The guides run against a built-in mock server, so you can explore the API shape before connecting to a real environment.
Evaluating the platform? Start with About Minka for the business context, then About Ledgers to understand the core model and how it replaces traditional payment infrastructure.