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

# Introduction to Mippo LaaS for Pix and stablecoins

> Embed compliant Pix to stablecoin flows in your app using Mippo BCB SPSAV license, KYC screening, and settlement APIs built for LaaS partners.

## What is Mippo LaaS?

Mippo **License-as-a-Service (LaaS)** lets B2B partners embed instant Pix → stablecoin onramp flows inside their own applications under Mippo's BCB SPSAV regulatory license — without needing to hold a license themselves.

<CardGroup cols={3}>
  <Card title="Invisible Onboarding" icon="user-check">
    Your users never leave your app. KYC is embedded via our SDK — Mippo handles Sumsub, sanctions screening, and record retention.
  </Card>

  <Card title="Pix Payment" icon="bolt">
    Users pay in BRL via Pix. Mippo generates the QR code, listens for the payment, and triggers settlement automatically.
  </Card>

  <Card title="Non-Custodial Settlement" icon="wallet">
    Stablecoins (USDT, USDC) settle directly to your user's self-custody wallet. Mippo never holds user funds.
  </Card>
</CardGroup>

## Three onboarding models

<CardGroup cols={3}>
  <Card title="Direct Onboard" icon="arrow-right">
    Mippo onboards the end-user. Best for partners launching quickly with no existing KYC stack.
  </Card>

  <Card title="Client via Partner" icon="building">
    You run KYC using your own vendor; Mippo accepts your KYC token and adds its own independent screening.
  </Card>

  <Card title="Shared" icon="handshake">
    Hybrid model — Mippo and partner share KYC data. Common for licensed entities that want lighter onboarding.
  </Card>
</CardGroup>

## Compliance coverage

All transactions are automatically covered by:

* **BCB SPSAV** — Resolutions 519-521. Mippo is the regulated entity.
* **Travel Rule** — 100% of virtual asset transfers carry originator + beneficiary data (BCB Resolution 520).
* **COAF / OFAC / UN** — Sanctions screening on every KYC submission, independent of partner.
* **5-year record retention** — Mippo owns this obligation, not you.

## Base URLs

| Environment | URL                            |
| ----------- | ------------------------------ |
| Production  | `https://api.mippo.io`         |
| Sandbox     | `https://sandbox-api.mippo.io` |
| API Version | `v1`                           |

<Note>
  Sandbox is fully functional with test credentials. Pix payments in sandbox are simulated — no real BRL is moved.
</Note>