XcobeanAPI · Developer Documentation

The Kenya stack, one API.

Payments, identity, e-signature, blockchain anchor, AI, KYC, banking — pay-per-call in KES, M-Pesa native, KE compliance baked in.

⚡ 95+ endpoints live 🔒 HMAC-signed webhooks 🏦 KE-DPA + KICA 2009 compliant 💸 M-Pesa + Paystack + PayPal native
OpenAPI Reference ↓ spec.json Get API key

Payments

M-Pesa STK + recurring + wallet, Paystack (card + Apple Pay), PayPal, Pesapal. One /v1/payments/charge.

E-Signature

DocuSeal-backed envelopes at sign.xcobean.co.ke. KICA 2009 compliant audit trail.

Anchor

Blockchain proof-of-existence via OpenTimestamps. Anchor any SHA-256, verify later.

KE Compliance

KRA (live), Metropol CRB (live), NTSA, eCitizen, sanctions, court records, BO.

AI

Parse natural-language payment intents, OCR receipts, fraud-score charges. Gemini Flash backed.

Comms

SMS via Ultimate SMS + ZeptoMail email. SMS-confirm autopay for recurring M-Pesa.

Network

ASN, IP, DNS, WHOIS, MAC OUI, subnet calc, BGP looking glass. Backed by our own ASN + IX peering.

Banking

Stanbic Bank Kenya Open Banking. Auto-reconcile bank txns to Zoho Books or any ledger.

API Reference

Live spec auto-generated from the route table. Use it directly with Postman, ReadMe, Mintlify, or any OpenAPI 3.1 tool.