> ## 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.

# Quickstart: your first Pix to stablecoin transaction

> Set up API keys, submit KYC for a test client, and process your first Pix to stablecoin transaction with the Mippo LaaS API in under 5 minutes.

## Prerequisites

* An approved Mippo LaaS partner account ([apply here](https://partners.mippo.io/apply))
* A sandbox API key from your [Partner Dashboard](https://partners.mippo.io/partner/api-keys)

## 1. Install the SDK

<CodeGroup>
  ```bash npm theme={null}
  npm install @mippo/laas-sdk
  ```

  ```bash yarn theme={null}
  yarn add @mippo/laas-sdk
  ```

  ```bash bun theme={null}
  bun add @mippo/laas-sdk
  ```
</CodeGroup>

## 2. Initialise the client

```typescript theme={null}
import { MippoLaas } from '@mippo/laas-sdk';

const mippo = new MippoLaas({
  apiKey: process.env.MIPPO_API_KEY,  // sk_test_... for sandbox
  environment: 'sandbox',
});
```

<Warning>
  Never initialise the SDK client-side. Your API key must stay on your backend server.
</Warning>

## 3. Submit KYC

```typescript theme={null}
const client = await mippo.kyc.submit({
  cpf: '123.456.789-09',
  biometricHash: 'sha256:your_biometric_hash',
  personType: 'PF',
});

// client.token → pass to transactions
// client.riskTier → 'STANDARD' | 'HIGH' | 'PEP'
```

<Note>
  In sandbox, any valid CPF format passes KYC and returns `riskTier: 'STANDARD'`. To test the `HIGH` risk path, use CPF `000.000.001-91`.
</Note>

## 4. Initiate a transaction

```typescript theme={null}
const tx = await mippo.transactions.initiate({
  kycToken: client.token,
  amountBrl: 500,
  asset: 'USDT',
  walletAddress: '0xYourUserWalletAddress',
});
```

## 5. Handle the auth challenge

Every transaction returns an auth challenge before a Pix QR code is issued.

<Tabs>
  <Tab title="Standard Risk (TOTP MFA)">
    ```typescript theme={null}
    if (tx.authChallenge?.type === 'MFA_TOTP') {
      // Show your user a prompt to enter their TOTP code
      const totpCode = await promptUserForTotp();

      const confirmed = await mippo.transactions.confirmMfa({
        transactionId: tx.transactionId,
        totpCode,
      });

      // confirmed.pixPayload → render as QR code for the user
      console.log(confirmed.pixPayload);
    }
    ```
  </Tab>

  <Tab title="High Risk / PEP (Liveness)">
    ```typescript theme={null}
    if (tx.authChallenge?.type === 'LIVENESS') {
      // Redirect user to the liveness URL or embed it in a WebView
      const livenessUrl = tx.authChallenge.livenessUrl;
      window.location.href = livenessUrl;
      // Mippo fires a webhook when liveness passes → pixPayload sent via webhook
    }
    ```
  </Tab>
</Tabs>

## 6. Listen for completion

After the user pays via Pix, Mippo fires a `transaction.completed` webhook to your endpoint. See the [Webhooks guide](/docs/guides/webhooks) for verification.

```typescript theme={null}
// transaction.completed payload
{
  "event": "transaction.completed",
  "data": {
    "transactionId": "tx_1719000000_xyz",
    "txHash": "0xabc123...",
    "asset": "USDT",
    "amount": "90.25",  // after Mippo fee
    "walletAddress": "0xYourUserWalletAddress"
  }
}
```

<Check>
  That's it. The stablecoin is now in your user's wallet.
</Check>